2015 Subaru Impreza Insurance Cost in 2024 – 6 Ways to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

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Purchasing the cheapest insurance coverage online may be overwhelming for people that are relatively new to comparing prices online. With a ridiculous number of companies in the marketplace, how are people able to have a chance to compare all the different companies and get the lowest price?

It is always a good idea to do price comparisons as often as possible because insurance coverage prices are variable and change quite frequently. If you had the best deal on Impreza coverage last year a different company probably has better rates today. There are a lot of ways to save on insurance coverage on the web, but in just a couple of minutes you can learn the easiest ways to reduce your insurance coverage bill.

Cheaper rates by taking advantage of these six discounts

Car insurance is not an enjoyable expense, but there’s a good chance there are discounts that may help make it more affordable. Some trigger automatically when you quote, but occasionally some discounts must be inquired about in order for you to get them.

  • Government Employees – Active or retired federal employment could provide a small rate reduction on Impreza coverage depending on your company.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy a life insurance policy as well.
  • Distant College Student Discount – Kids who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Organization Discounts – Participating in qualifying clubs or civic groups may earn a discount when shopping for car insurance.
  • Accident Forgiveness Coverage – but some companies like Allstate, State Farm and GEICO allow you one accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
  • Buy New and Save – Insuring a new car can be considerably cheaper because newer vehicles keep occupants safer.

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

A partial list of companies that have some of the discounts shown above include:

  • Travelers
  • Nationwide
  • Farmers Insurance
  • Esurance
  • State Farm
  • Progressive
  • Mercury Insurance

If you need lower rates, check with each insurance company which credits you are entitled to. Some discounts listed above may not apply to policies in your area. To choose providers with the best discounts, enter your zip code here.

How much insurance coverage do I need?

When choosing proper insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • Why is insurance for a teen driver so high?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I have a commercial auto policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my state a no-fault state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I have coverage if my license is suspended?
  • Am I covered when driving a rental car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code.

Save $389 a year. For real?

Popular insurance providers such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. All the ads try to convey promises about how much you will save just by switching your policy. It sounds good, but how can they all have lower policy pricing? It’s all in how they say it.

All companies have specific criteria for the driver that makes them money. For instance, a desirable insured may need to be over the age of 35, has no tickets, and drives less than 10,000 miles a year. Any new insured who meets those qualifications is entitled to the best price and will save when switching.

Insureds who may not quite match the requirements will probably be forced to pay higher premiums and this results in business not being written. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That’s why insurance companies can make the claims of big savings. Because each company has a different risk profile, you should compare many company’s premium rates. Because you cannot predict with any certainty which company will give you lower car insurance rates than your current company.

Specifics of your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Liability auto insurance – Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things like loss of income, funeral expenses, medical expenses, court costs and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Collision coverage – Collision insurance covers damage to your Impreza resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, damaging your car on a curb, driving through your garage door, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive protection – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, theft, hitting a deer, hail damage and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Impreza.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like surgery, dental work, nursing services and prosthetic devices. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Online plus local equals savings

When searching for cheap car insurance quotes, you should never buy less coverage just to save a little money. There have been many situations where someone sacrificed liability limits or collision coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at the best cost while still protecting your assets.

Insureds leave their current company for a variety of reasons including lack of trust in their agent, denial of a claim, questionable increases in premium and even not issuing a premium refund. Regardless of your reason, switching companies can be pretty painless.

Budget-friendly car insurance can be sourced both online and from local agencies, and you should compare price quotes from both to have the best selection. Some car insurance companies do not offer online quoting and usually these small, regional companies prefer to sell through independent agencies.

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