Cheaper 1999 Subaru Impreza Insurance Cost

Do you get exhausted from scraping the payment together to pay auto insurance each month? You’re in the same situation as many other consumers.

Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to get the lowest rate possible.

It’s important to do rate comparisons occasionally because auto insurance prices are adjusted regularly by insurance companies. Even if you think you had the best quotes on Impreza coverage at your last renewal a different company probably has better rates today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.

The fastest way that we advise to compare insurance rates from multiple companies is to know the fact most of the bigger providers allow for online access to quote your coverage. The only thing you need to do is provide a small amount of information such as how old drivers are, coverage limits, whether you have decent credit, and if you are currently licensed. Your details gets sent immediately to all major companies and you get price estimates almost instantly.

Verify you’re applying every discount

Some companies do not advertise their entire list of discounts in a way that’s easy to find, so here is a list a few of the more well known as well as the least known credits that may apply to you.

• Bundle and Save – If you have multiple policies and insure them with the same company you could earn a discount of at least 10% off all policies.
• Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
• Life Insurance – Larger insurance carriers have a break if you buy life insurance from them.
• Defensive Driving Course – Participating in a course in defensive driving can save you 5% or more and easily recoup the cost of the course.
• Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and therefore earn up to a 10% discount.
• Federal Employees – Active or former government employment could cut as much as 10% off on Impreza coverage with some insurance companies.
• Anti-lock Brake Discount – Cars with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
• First Accident Forgiveness – This isn’t a discount exactly, but a few companies such as Progressive and Allstate will allow you to have one accident before raising your premiums so long as you haven’t had any claims before the accident.
• Renewal Discounts – Some companies provide a discount for signing up before your current coverage expires. Ten percent is about the average savings.
• Telematics Data Discounts – People who choose to allow their company to track driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they are good drivers.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. Even though it appears you can get free auto insurance, nobody gets a free ride.

Larger insurance companies and some of their more popular discounts include:

• State Farm offers discounts including passive restraint, accident-free, Steer Clear safe driver discount, defensive driving training, driver’s education, multiple policy, and good driver.
• Geico may have discounts that include daytime running lights, multi-vehicle, multi-policy, emergency military deployment, driver training, and five-year accident-free.
• Progressive may offer discounts for multi-vehicle, online quote discount, good student, homeowner, and multi-policy.
• 21st Century offers premium reductions for air bags, teen driver, driver training, automatic seat belts, theft prevention, and good student.
• American Family includes discounts for defensive driver, Steer into Savings, bundled insurance, TimeAway discount, early bird, and mySafetyValet.
• The Hartford has discounts for good student, defensive driver, driver training, vehicle fuel type, air bag, anti-theft, and bundle.
• AAA policyholders can earn discounts including multi-car, good driver, education and occupation, multi-policy, AAA membership discount, pay-in-full, and good student.

If you want the cheapest auto insurance quotes, ask every insurance company how you can save money. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to view insurance companies who offer cheap insurance quotes, follow this link.

When should I discuss my situation with an agent?

When buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine whether you would benefit from professional advice.

• Will my vehicle be repaired with OEM or aftermarket parts?
• How high should my uninsured/underinsured coverage be in my state?
• Is extra glass coverage worth it?
• Are my friends covered when driving my 1999 Subaru Impreza?
• If I drive on a suspended license am I covered?
• Why do I need rental car insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, scraping a guard rail, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage – Med pay and PIP coverage reimburse you for immediate expenses like surgery, rehabilitation expenses, doctor visits and hospital visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, a broken windshield and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Subaru Impreza.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability car insurance – This will cover injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like pain and suffering, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.