2000 Subaru Impreza Car Insurance Quotes – 8 Savings Tips

Looking for lower car insurance rates? Shoppers have many options when shopping for low-cost Subaru Impreza insurance. They can either waste time calling around trying to get quotes or utilize the internet to compare rates. There are both good and bad ways to compare car insurance rates and we’ll show you the proper way to compare rates on a Subaru and obtain the best price possible either online or from local insurance agents.

Verify you’re earning every discount

The price of auto insurance can be rather high, but there are discounts available that can dramatically reduce your bill. Certain discounts will be applied at the time of purchase, but some must be asked for prior to getting the savings.

• No Claim Discounts – Drivers who don’t have accidents get the best car insurance rates in comparison with drivers with a long claim history.
• Sign Online – Certain larger companies may give you up to $50 for completing your application online.
• Accident Waiver – Not really a discount, but some companies like Geico and Allstate may permit one accident without the usual rate increase so long as you haven’t had any claims for a specific time period.
• Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% on Impreza coverage with a few car insurance companies.
• Auto/Home Discount – If you can bundle your auto and homeowners insurance with one company they may give you a discount of approximately 10% to 15%.
• Multi-car Discount – Buying coverage for all your vehicles on one policy can get a discount for every vehicle.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little off the medical payments premium.
• Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can get savings of more than 20%.

You can save money using discounts, but most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies that may offer these discounts include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

Double check with each company or agent which credits you are entitled to. Some discounts may not be offered in your area. For a list of companies that offer multiple discounts, click here.

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When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

• Does having multiple vehicles earn me a discount?
• Is my teen driver covered when they drive my company car?
• Are my tools covered if they get stolen from my vehicle?
• Is business property covered if stolen from my car?
• Can my babysitter drive my car?
• How do I insure my teen driver?
• Are my friends covered when driving my car?
• Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance advertisements

Consumers can’t avoid all the ads for auto insurance savings by State Farm, Geico and Progressive. All the ads advertise the message that people will save after switching your coverage.

How does every auto insurance company say the same thing?

All the different companies require specific criteria for the driver that will generate a profit. One example of this type of driver may need to be between the ages of 40 and 55, has few claims, and drives less than 5,000 miles a year. A customer who fits those characteristics is entitled to the best price and have a good chance to save quite a bit of money when switching.

Potential customers who do not fit those standards will see a higher rate and ends up with the customer buying from someone else. If you listen to the ad wording, they say “drivers that switch” not “all people who quote” save that much money. That’s the way insurance companies can advertise the way they do. Different companies use different criteria so you absolutely need to quote coverage with many companies. It’s just too difficult to predict the company that will have the lowest rates.

Auto insurance 101

Understanding the coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance provides protection from damage or injury you incur to other’s property or people. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical expenses, pain and suffering, attorney fees, emergency aid and court costs. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Impreza.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision protection

Collision coverage pays for damage to your Impreza resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, damage from a tornado or hurricane, hitting a deer and rock chips in glass. The maximum amount your insurance company will pay 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.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for pain medications, EMT expenses, doctor visits, surgery and chiropractic care. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

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Stretch your dollar

In this article, we covered quite a bit of information on how to shop for 2000 Subaru Impreza insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding cheaper insurance coverage. You may be surprised to find that the best rates are with a small mutual company.

Consumers switch companies for a number of reasons such as denial of a claim, questionable increases in premium, policy cancellation or delays in responding to claim requests. Regardless of your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. In many cases, someone dropped liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at an affordable rate.

Much more information about car insurance can be read at these links:

• Coverage Information (Progressive Insurance)
• Keeping Children Safe in Crashes Video (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Neck Injury FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)

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