1996 Subaru Impreza Insurance Rates – 8 Tips for Best Quotes

Drivers who are new to comparing insurance rates on the internet will find buying affordable car insurance is harder than it should be.

It’s a great practice to get comparison quotes as often as possible since insurance prices change regularly. Despite the fact that you may have had the best rate on Impreza insurance on your last policy you may be paying too much now. You’ll find quite a bit of inaccurate information about insurance out there, but by reading this article, you’re going to learn some great ways to save money.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Shopping for the best protection can be fairly easy. But car owners can benefit from knowing the methods companies use to determine prices and apply this information to your search.

Discount auto insurance rates

Auto insurance is not cheap nor is it fun to buy but you can get discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time you complete a quote, but some must be requested specifically before you get the savings.

• Auto/Home Discount – When you have multiple policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Driver Training Discounts – Taking part in a defensive driver course could possibly earn you a 5% discount if your company offers it.
• Discount for Passive Restraints – Factory options such as air bags can get savings of 25 to 30%.
• Data Collection Discounts – Insureds who allow driving data submission to monitor driving manner by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as they are good drivers.
• Discounts for Multiple Vehicles – Buying insurance for multiple cars with one company can reduce the rates for all insured vehicles.
• E-sign – A handful of auto insurance companies will give you a small discount just for signing your application on their website.
• Seat Belts Save – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• Low Mileage Discounts – Driving fewer miles could qualify for better premium rates on cars that stay parked.

One thing to note about discounts is that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.

Some companies that possibly offer these money-saving discounts include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

Check with every insurance company which discounts can lower your rates. A few discounts might not be offered on policies in your area. To choose companies with the best discounts, click here.

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Free insurance coverage price quotes

Performing a rate comparison can take hours if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could use online quoting to get rates in a matter of minutes.

Most major companies belong to a marketplace where insurance shoppers send in one quote, and every company then returns a price quote determined by their information. This eliminates the need for quotation requests for every insurance coverage company. To compare pricing click here to start a free quote.

One minor caviat to using this type of system is that consumers can’t choose which carriers to get pricing from. If you would rather choose specific providers for rate comparison, we have a page of insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you compare nearly identical quote data for each comparison quote. If you have differing limits you will not be able to determine the lowest rate for your Subaru Impreza. Having just a slight variation in coverages could skew the results. Just remember that comparing more company’s prices helps you find the best rates.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether you may require specific advice.

• Is a new car covered when I drive it off the dealer lot?
• If I drive on a suspended license am I covered?
• Should I bundle my homeowners policy with my auto?
• Is my babysitter covered when using my vehicle?
• Should I sign the liability waiver when renting a car?
• When should I buy a commercial auto policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Coverages available on your car insurance policy

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills for things like doctor visits, prosthetic devices, ambulance fees, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Impreza resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, hitting a parking meter, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability insurance

This provides protection from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as medical services, structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, falling objects, fire damage, vandalism and hitting a deer. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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. So UM/UIM coverage should not be overlooked.

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One last thing about your coverage

When you buy car insurance online, you should never reduce needed coverages to save money. Too many times, consumers will sacrifice full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, being labeled a high risk driver and denial of a claim. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

We covered a lot of ways to reduce 1996 Subaru Impreza insurance premium rates online. It’s most important to understand that the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with an unexpected company.

More information can be read at these links:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Who Has Affordable Durham Car Insurance Quotes for a Subaru Impreza? (CarInsuranceDurham.com)
• Vehicle Safety Ratings (iihs.org)
• Insurance Losses by Make and Model (iihs.org)
• Understanding Limits and Deductibles (Allstate)

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