1997 Subaru Impreza Insurance Quotes – 10 Discounts for Best Rates

If you are new to online auto insurance, most likely you are confused thanks to the incredible selection of online companies all offering big savings.

Choosing the best insurance company for you is quite easy. Essentially anyone who shops for auto insurance will more than likely be able to find lower rates. But drivers do need to know the way companies sell insurance online and take advantage of how the system works.

Auto insurance policy discounts you can’t miss

Some companies do not advertise every possible discount very clearly, so we break down a few of the more well known in addition to some of the lesser obvious credits available to you. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

• Auto/Home Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
• Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
• Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their car insurance quote on Impreza coverage as compared to drivers with claims.
• Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
• Driving Data Discount – Drivers who agree to allow companies to analyze driving habits by using a small device installed in their vehicle like Allstate’s Drivewise could possibly reduce rates as long as the data is positive.
• Senior Citizens – Drivers that qualify as senior citizens can get better auto insurance rates on Impreza coverage.
• Online Discount – Certain insurance companies may give you up to $50 for completing your application online.
• Active Military Service – Being on active duty in the military could trigger a small discount.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and qualify for as much as a 10% discount.
• Savings for New Vehicles – Buying a new car instead of a used car is cheaper compared to insuring an older model.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. Even though it appears you can get free auto insurance, it’s just not the way it works. But all discounts will definitely reduce your auto insurance premiums.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

• Geico has discounts for multi-vehicle, multi-policy, air bags, driver training, membership and employees, daytime running lights, and five-year accident-free.
• SAFECO offers discounts for accident prevention training, safe driver, teen safe driver, anti-theft, teen safety rewards, homeowner, and drive less.
• State Farm offers premium reductions for anti-theft, Drive Safe & Save, multiple autos, student away at school, driver’s education, and good student.
• MetLife offers discounts including claim-free, accident-free, defensive driver, good driver, good student, multi-policy
• 21st Century includes discounts for defensive driver, good student, teen driver, homeowners, student driver, early bird, and anti-lock brakes.
• Progressive may offer discounts for good student, homeowner, multi-policy, online quote discount, and multi-vehicle.

When comparing rates, check with each company which discounts you qualify for. A few discounts may not be available in your state. If you would like to see a list of auto insurance companies with the best discounts, follow this link.

Insurance agents can help

When it comes to buying coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions might help in determining whether you will benefit from professional help.

• How much underlying liability do I need for an umbrella policy?
• Is my state a no-fault state?
• Which companies will insure high-risk drivers?
• At what point should I drop full coverage?
• Can I get a multi-policy discount?
• Can I drive in Mexico and have coverage?
• Does my policy pay for OEM or aftermarket parts?
• What is UM/UIM insurance?

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 agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance policy coverages for a 1997 Subaru Impreza

Knowing the specifics of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Auto liability – Liability insurance can cover damage that occurs to people or other property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1997 Subaru Impreza.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills for dental work, ambulance fees and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, hitting a parking meter, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Buy online or local, you save

People leave their current company for a variety of reasons including poor customer service, not issuing a premium refund, policy cancellation or extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

More affordable insurance coverage is available online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies don’t offer the ability to get quotes online and usually these smaller providers provide coverage only through local independent agencies.

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed full coverage only to find out that the savings was not a smart move. The goal is to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

More detailed insurance coverage information can be found in these articles:

• Vehicle Size and Weight FAQ (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Insuring a Leased Car (Insurance Information Insitute)