Cheapest 2007 Subaru Impreza Insurance Rates in 2024
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UPDATED: Jun 4, 2023
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Searching for low-cost insurance for a new or used Subaru Impreza could be a painful process, but you can follow a few tricks to make it easier.
There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the absolute fastest way to compare rates for a new or used Subaru and locate the cheapest rates.
Consumers need to get comparison quotes quite often because prices go up and down regularly. Even if you think you had the best deal for Impreza coverage a year ago other companies may now be cheaper. There is a lot of wrong information about insurance coverage online but with this article, you’re going to get some great ways to slash your insurance coverage rates.
Buying the lowest cost insurance coverage coverage is not that difficult. If you have insurance now or need new coverage, you can use this information to find better prices and possibly find even better coverage. Drivers only need an understanding of how to compare rates online.
Where Can I Get Cheap Car Insurance?
Finding cheaper 2007 Subaru Impreza car insurance prices doesn’t have to be difficult. Drivers just need to take a few minutes comparing rate quotes online from several insurance companies. This is very easy and can be done using a couple different methods.
- The single most time-saving way to find low rates is a comparison rater form click to view form in new window. This method keeps you from doing separate quote forms for each company. One simple form will get you price quotes instantly.It’s the quickest way to get rates.
- A less efficient way to compare prices requires a trip to the website of each company to complete a price quote. For example, let’s assume you want rates from Liberty Mutual, State Farm and Farmers. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverages on every quote. If your comparisons have different liability limits then you won’t be able to truly determine the lowest rate.
Pay less by taking advantage of discounts
The price of auto insurance can be rather high, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked about before you will receive the discount. If you’re not getting every credit available, you are paying more than you should be.
- Government Employees – Simply working for the federal government can save as much as 8% for Impreza coverage with a few insurance coverage companies.
- Low Mileage – Keeping the miles down on your Subaru can qualify you for discounted rates on garaged vehicles.
- Homeowners Pay Less – Simply owning a home can help you save on insurance coverage because of the fact that having a home is proof that your finances are in order.
- Club Memberships – Belonging to a qualifying organization could trigger savings when buying insurance coverage for Impreza coverage.
- Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.
- Senior Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Impreza coverage.
- Safety Course Discount – Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Drivers should understand that many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. But any discount will bring down your premiums.
For a list of companies with discount insurance coverage rates, follow this link.
Lesser-known factors impacting Subaru Impreza insurance rates
It’s important that you understand the rating factors that go into determining your insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get better insurance rates.
- Optional equipment can affect rates – Owning a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
- Extra add-on coverages are wasting money – There are a lot of additional coverages that you can get tricked into buying when buying insurance. Coverages like vanishing deductibles, accidental death and additional equipment coverage may be wasting your money. These may sound like a good investment initially, but now you might not need them so get rid of them and save.
- Consolidate policies to earn discounts – Many insurers will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to shop around to ensure the best deal. You may still find better rates by buying insurance from a different company.
- Big city or small town – Choosing to live in a small town can save you money when it comes to insurance. Lower population means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have to deal with traffic congestion and longer commute times. More time on the road can result in more accidents.
- Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Subaru Impreza is rated at least four stars on Safercar.gov it is probably cheaper to insure.
- Drive less and save money – The more you drive each year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Cars not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your insurance policy is rated on the correct driver usage. Incorrect usage on your Impreza can cost quite a bit.
- Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage in the event that you are found liable for damages from an accident. It provides you with a defense in court up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so do not skimp.
- Better credit scores mean better rates – A driver’s credit score is a big factor in your rate calculation. People with high credit ratings tend to be more responsible than those with lower credit ratings. If your credit rating is low, you could be paying less to insure your 2007 Subaru Impreza by spending a little time repairing your credit.
Your coverage should be tailored to you
When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.
For example, these questions can aid in determining if your situation would benefit from an agent’s advice.
- Is my trailer covered?
- Are split liability limits better than a combined single limit?
- Am I covered if I hit my neighbor’s mailbox?
- Does medical payments coverage apply to all occupants?
- When should I buy a commercial auto policy?
- Does coverage extend to Mexico or Canada?
- Is my nanny covered when driving my vehicle?
- Is upholstery damage covered by car insurance?
- When can my company non-renew my policy?
If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.
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Car insurance coverage information
Knowing the specifics of insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Collision coverage protection
Collision coverage will pay to fix damage to your Impreza from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Auto liability insurance
This coverage can cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as repair bills for other people’s vehicles, structural damage, medical expenses, medical services and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.
Comprehensive or Other Than Collision
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as a broken windshield, rock chips in glass and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical costs insurance
Coverage for medical payments and/or PIP kick in for expenses such as pain medications, chiropractic care, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Subaru Impreza.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.
At the end of the day…
Consumers switch companies for a variety of reasons including policy non-renewal, unfair underwriting practices, lack of trust in their agent and policy cancellation. Regardless of your reason, finding the right car insurance provider can be less work than you think.
We covered quite a bit of information on how to shop for 2007 Subaru Impreza insurance online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with a small local company.
When you buy insurance online, do not reduce needed coverages to save money. In many instances, consumers will sacrifice full coverage only to find out they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.
More information is available at these links:
- Vehicle Insurance (Wikipedia)
- Distracted Driving (Insurance Information Insitute)
- Child Safety Seats (Insurance Information Insitute)
- Red Light Cameras (State Farm)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Auto Theft Statistics (Insurance Information Insitute)
Frequently Asked Questions
What factors affect the insurance rates for a 2007 Subaru Impreza?
Several factors can influence the insurance rates for a 2007 Subaru Impreza. These factors typically include the driver’s age, driving record, location, credit history, and the level of coverage desired. Additionally, the car’s value, repair costs, safety features, and potential for theft may also impact the insurance rates.
How can I find the cheapest insurance rates for a 2007 Subaru Impreza?
Finding the most affordable insurance rates for a 2007 Subaru Impreza may require some research. It’s recommended to compare quotes from multiple insurance providers, as rates can vary. Additionally, maintaining a good driving record, opting for higher deductibles, and bundling your car insurance with other policies may help reduce premiums. You may also inquire about any available discounts for features such as anti-theft systems or advanced safety features.
Does the location impact the insurance rates for a 2007 Subaru Impreza?
Yes, the location where you reside can affect the insurance rates for a 2007 Subaru Impreza. Insurance providers consider factors such as the local crime rate, population density, and the likelihood of accidents or vehicle theft in your area. If you live in an area with higher risks, you may experience higher insurance premiums.
Is the cost of insurance higher for a 2007 Subaru Impreza compared to other vehicles?
The cost of insurance for a 2007 Subaru Impreza is typically similar to other compact cars in its class. Insurance providers take into account factors such as the car’s value, repair costs, and safety features when determining premiums. It’s recommended to obtain insurance quotes specific to your situation to get an accurate cost estimate.
How can I lower the insurance rates for my 2007 Subaru Impreza?
While it may be challenging to significantly lower insurance rates for a vehicle like the 2007 Subaru Impreza, there are a few steps you can take. Maintaining a good driving record, installing safety features, parking in a secure location, and considering higher deductibles can potentially help reduce premiums. Additionally, bundling your car insurance with other policies from the same provider or inquiring about any available discounts may also help lower your rates.
Can I remove certain coverage options to reduce insurance costs for my 2007 Subaru Impreza?
Removing certain coverage options may lower insurance costs for your 2007 Subaru Impreza, but it’s important to carefully consider the potential risks and consequences. Comprehensive and collision coverage, for example, provide protection in case of accidents, theft, or damage to your vehicle. Removing these coverage options may save money upfront but can leave you financially vulnerable.
Is it recommended to get minimum coverage to save money on insuring a 2007 Subaru Impreza?
Opting for minimum coverage to save money on insuring a 2007 Subaru Impreza may not be the best choice. Minimum coverage may meet the legal requirements, but it may not provide sufficient protection for the value of your vehicle and your unique needs. It’s advisable to consider the appropriate coverage levels for your situation.
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