2021 Subaru Impreza Insurance Quotes in 2024 – 5 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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Searching for cheaper car insurance rates? Consumers have options when looking for affordable Subaru Impreza insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to compare rates. There are both good and bad ways to find car insurance online so you’re going to learn the best way to quote coverages on a Subaru and get the lowest price either online or from local insurance agents.

If you have insurance now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. This article will familiarize you with the best way to quote coverages and some tricks to saving. Vehicle owners just need to understand the proper way to get comparison quotes online.

Affordable auto insurance quotes with discounts

Car insurance companies don’t necessarily list every policy discount very clearly, so here is a list both well-publicized and also the more inconspicuous ways to save on auto insurance.

  • College Student – Youth drivers who are enrolled in higher education away from home and leave their car at home could get you a discount.
  • Save with a New Car – Putting insurance on a new car can be considerably cheaper compared to insuring an older model.
  • Onboard Data Collection – Drivers that enable their auto insurance company to look at their driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if their driving habits are good.
  • Good Student – Getting good grades may save as much as 25% on a car insurance quote. Most companies allow this discount up to age 25.
  • Military Rewards – Having a family member in the military could trigger a small discount.

As a sidenote, some of the credits will not apply to the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates you could get a free auto insurance policy, that’s just not realistic.

Some of the insurance companies that may have these benefits include:

  • MetLife
  • Progressive
  • Travelers
  • AAA

Before you buy a policy, ask each insurance company how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether or not you might need an agent’s assistance.

  • Is my nanny covered when driving my vehicle?
  • Why do I need rental car insurance?
  • If my 2021 Subaru Impreza is totaled, can I afford another vehicle?
  • Am I covered if I wreck a rental car?
  • Is my cargo covered for damage or theft?
  • Do I need higher collision deductibles?
  • When should I not file a claim?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete your zip code. It’s fast, free and may give you better protection.

Information about specific coverages

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, hail damage and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your 2021 Subaru Impreza.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability – This will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage protects against things such as structural damage, pain and suffering, repair costs for stationary objects and emergency aid. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like EMT expenses, dental work, X-ray expenses, prosthetic devices and pain medications. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Don’t throw your cash in the trash

Cheap 2021 Subaru Impreza insurance is attainable on the web and from local insurance agents, and you need to price shop both to have the best selection. A few companies do not provide online quoting and many times these regional insurance providers sell through independent agents.

You just learned a lot of information how to lower your 2021 Subaru Impreza insurance rates. The key thing to remember is the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest rates are with the smaller companies.

When buying insurance coverage, you should never buy less coverage just to save a little money. In many instances, an insured cut comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at the best price, but do not skimp to save money.

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