Subaru Subaru Impreza Insurance Rates
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UPDATED: Dec 18, 2019
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Trying to find the cheapest auto insurance rates for your Subaru Impreza? Searching for the cheapest insurance for a Subaru Impreza can be a painful process, but you can follow a few tricks to save time.
There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the best way to price shop coverage for a new or used Subaru and get the best price possible.
You need to check auto insurance prices on a regular basis because insurance rates are usually higher with each renewal. If you had the lowest premium rates for Impreza insurance six months ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance on the internet, but we’re going to give you some great ideas on how to stop overpaying for insurance.
If you have a policy now or are shopping for new coverage, you can use this information to find better prices and possibly find even better coverage. Finding affordable car insurance coverage is not that difficult. Vehicle owners only need to know the proper methods to shop for car insurance over the internet.
Insurance coverage quotes comparison
Effectively comparing insurance coverage prices is a ton of work if you don’t know the most efficient way to do it. You could spend your day talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to get prices fast.
Many of the larger companies take part in a program that allows shoppers to submit their information once, and every company provides a quote based on that information. This eliminates the need for quote forms to each company.
To find out what other companies charge click to open in new window.
The single downside to doing it this way is you can’t choose the insurers you want to price. So if you prefer to pick individual companies to compare rates, we have a listing of insurance coverage companies in your area. Click here to view list.
However you get your quotes, make sure you compare nearly identical coverage limits on every quote you get. If your comparisons have higher or lower deductibles then you won’t be able to determine which company has the best rates.
Insurance coverage policy discounts you can’t miss
Insurance coverage is easily one of your largest bills, but you might already qualify for some discounts that could help you make your next renewal payment. Many discounts should be triggered when you purchase, but once in a while a discount must be inquired about before they will apply.
- Driving Data Discount – Insureds who allow driving data collection to look at vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if their driving habits are good.
- Online Discount – A handful of companies will give you a small discount for completing your application online.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.
- Student Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you can avoid the installment charge.
- Save with More Vehicles Insured – Insuring all your vehicles with the same company may reduce the rate for each vehicle.
- Home Ownership Discount – Simply owning a home can save a few bucks due to the fact that maintaining a home is proof of financial responsibility.
- Discount for Low Mileage – Fewer annual miles on your Subaru may enable drivers to earn slightly better premium rates than normal.
Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.
For a list of insurers with discount insurance coverage rates, click here to view.
Why you might pay increased rates
It’s important that you understand the factors that go into determining the level of your policy premiums. If you understand what influences your rates, this allows you to make educated decisions that may result in big savings. Lots of factors are part of the calculation when quoting car insurance. Some are obvious such as your driving record, but other factors are more transparent such as your credit history or your vehicle rating.
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The following are some of the items used by insurance companies to determine your prices.
- How old are your drivers? – More experienced drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.Beginning drivers are statistically shown to be inattentive in a vehicle so insurance rates are higher.
- Companies want multiple policies – The majority of insurers apply lower prices to policyholders that have more than one policy. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount applied, it’s in your best interest to check prices from other companies to make sure you are getting the best deal.
- Rates impacted by vehicle usage – The more miles you rack up on your Subaru every year the more you’ll pay to insure your vehicle. A lot of companies calculate prices based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting receive better premium rates than those used for commuting. Improper usage on your Impreza may be costing you. It’s a smart idea to ensure your vehicle rating is showing the proper vehicle usage, because improper ratings can cost you money.
- Policy add-ons add up – There are a ton of extra add-on coverages that you can buy when buying insurance. Coverage for things like replacement cost coverage, accidental death, and term life insurance may not be needed and are just wasting money. The coverages may be enticing when buying your policy, but your needs may have changed so eliminate them to save money.
- Insurance companies don’t like frequent claims – If you file a lot of claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Auto insurance companies award the lowest premiums to insureds that do not abuse their auto insurance. Insurance coverage is designed for claims that you cannot pay yourself.
- High credit scores equal low costs – Having a bad credit rating is a big factor in determining premium rates. People that have excellent credit scores tend to be more responsible as compared to drivers with bad credit. So if your credit rating is low, you may save money insuring your 2017 Subaru Impreza if you clean up your credit.
Insurance agents can help
When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.
These are some specific questions might point out whether you might need professional guidance.
- What is PIP insurance?
- Do I need higher collision deductibles?
- Do I pay less for low miles?
- I have a DUI can I still get coverage?
- Am I covered when driving in Canada or Mexico?
- What is UM/UIM insurance?
If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.
Car insurance coverages for a Subaru Impreza
Having a good grasp of car insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Insurance for medical payments – Med pay and PIP coverage kick in for bills like pain medications, ambulance fees, doctor visits and EMT expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision) – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like theft, damage from getting keyed, damage from flooding, hail damage and rock chips in glass. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Subaru Impreza.
Since a lot of 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 is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.
Collision – This covers damage to your Impreza caused by collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims like hitting a parking meter, rolling your car, damaging your car on a curb, sustaining damage from a pot hole and colliding with a tree. 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 increase the deductible to get cheaper collision coverage.
Auto liability insurance – This coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for claims such as court costs, repair costs for stationary objects, legal defense fees, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.
Have money to burn
When shopping online for insurance coverage, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.
Throughout this article, we presented many ideas to save on 2017 Subaru Impreza insurance. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers could even find that the best car insurance rates are with the least-expected company.
Some insurance companies don’t offer rate quotes online and most of the time these smaller companies work with independent agents. The cheapest 2017 Subaru Impreza insurance is possible from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection.
More information can be read on the following sites:
- Credit and Insurance Scores (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Distracted Driving Extends Beyond Texting (State Farm)
- Safety Tips for Teen Drivers (Insurance Information Insitute)
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