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Subaru Subaru Impreza Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 16, 2021

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Locating the cheapest insurance for a new or used Subaru Impreza can turn out to be difficult, but you can use the following methods to find lower rates.

There is a better way to find car insurance online so you’re going to learn the absolute fastest way to price shop coverage on a Subaru and locate the cheapest rates from local insurance agents and online providers.

Comprehensive Insurance Comparison

Cutting your insurance rates can be surprisingly simple. All you need to do is take a couple of minutes to get quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  1. The fastest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate quotes for each company. Completing one form will return price quotes instantly. This is perfect if you don’t have a lot of time.
  2. A different way to compare prices is going to the website for each individual company and complete a new quote form. For sake of this example, we’ll pretend you want comparison quotes from GEICO, Liberty Mutual and State Farm. To get each rate you have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but be sure to compare exactly the same deductibles and coverage limits for every quote you compare. If you are comparing differing limits it will be impossible to find the best deal for your Subaru Impreza.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but there could be available discounts to help bring down the price. A few discounts will automatically apply when you quote, but a few must be requested specifically before you get the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Homeowners Pay Less – Simply owning a home may trigger a insurance coverage policy discount because maintaining a house is proof that your finances are in order.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Accident Free – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
  • Paperwork-free – A handful of insurance companies give back up to $50 simply for signing digitally online.
  • Multi-policy Discount – If you have multiple policies with one company you may earn at least 10% off all policies.
  • Low Mileage – Keeping the miles down on your Subaru can qualify you for discounted rates on garaged vehicles.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.

A little note about advertised discounts, most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will bring down the cost of coverage.

Insurance companies that may offer these money-saving discounts may include but are not limited to:

  • State Farm
  • American Family
  • GEICO
  • 21st Century
  • Progressive

Before buying, ask all companies you are considering how you can save money. Savings might not be offered in your area.

Subaru Impreza rate determination is complex

Smart consumers have a good feel for the rating factors that go into determining the price you pay for auto insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with big savings.

  • Tickets mean higher rates – A bad driving record has a huge affect on how much you pay. Drivers who don’t get tickets get better rates compared to drivers with tickets. Only having one moving violation can bump up the cost forty percent or more. If you have flagrant violations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse is a sure-fire way to pay more for auto insurance. Not only will rates go up, but not being able to provide proof of insurance may earn you a license revocation or jail time.
  • Bump up deductibles to save – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Subaru. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and burglary. Physical damage deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more money you are required to pay out-of-pocket, the lower your rates will be for Impreza insurance.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. Safe vehicles reduce injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Subaru Impreza is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Younger drivers pay higher rates – Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teenage drivers tend to be less responsible when behind the wheel therefore auto insurance rates are much higher.

Everyone needs different coverages

When it comes to choosing adequate coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

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Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • When does my teenage driver need to be added to my policy?
  • Is my nanny covered when driving my vehicle?
  • Why does it cost so much to insure a teen driver?
  • How does medical payments coverage work?
  • Should I carry comprehensive and collision coverage?
  • What is the ISO rating for a 2003 Subaru Impreza?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Learning about specific coverages of auto insurance can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2003 Subaru Impreza.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, rock chips in glass and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This pays for damage to your Impreza from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, crashing into a building, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverage – This can cover injuries or damage you cause to people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair bills for other people’s vehicles, legal defense fees, medical services, attorney fees and medical expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for expenses for things like surgery, chiropractic care, dental work and pain medications. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Affordable insurance is out there

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced physical damage coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

You just read a lot of tips how to reduce 2003 Subaru Impreza insurance prices online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the best prices are with some of the lesser-known companies.

Discount insurance can be sourced both online and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Additional detailed information can be read in the articles below:

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