Lower Your 2002 Subaru Impreza Insurance Quotes

Searching for cheaper auto insurance rates for your Subaru Impreza? Vehicle owners not familiar with shopping for car insurance online may discover locating cheaper auto insurance is very challenging.

Locating affordable coverage is quite easy. Basically, anyone who carries insurance coverage will most likely be able to find better rates. But car owners need to have an understanding of the way companies market on the web and apply this information to your search.

Where can I get cheap insurance?

When shopping for low cost auto insurance quotes, there are a couple of ways of comparing rate quotes from many different insurance companies. The quickest method to do a complete rate comparison consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

1. One of the best ways to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing repetitive form entry for each price estimate. In just a few minutes this one form will get you rate comparisons instantly. Recommended for those who want to invest the least amount of time.
2. A more time consuming way to compare rate quotes requires visiting the website for each individual company and request a quote. For examples sake, let’s say you want to compare prices for Allstate, State Farm and American Family. In order to get each rate, you would have to spend time going to each site individually and punch in your information repeatedly, which can get rather old. For a list of links to companies insuring cars in your area, click here.
3. The most time-consuming method to do your price quoting is going to each insurance agency near you. The fact that you can get quotes online eliminates this option unless you have a complicated situation and need the personal advice that only an agent can give. You can, however, find lower rates online but buy from a local insurance agent.

Compare rates however you want, just be sure you’re using identical coverages for every quote you compare. If you are comparing higher or lower deductibles it will be very difficult to decipher which rate is best. Having just a slight variation in coverages can mean a large discrepancy in price. Keep in mind that comparing all the rates in your area provides better odds of finding the best price. Not every company allows you to get online price quotes, so you also need to get prices from them as well.

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Insurance coverage advertisements

Companies like Progressive, Geico, Allstate and State Farm continually stream ads on TV and radio. They all make the point that people will save if you get a free auto insurance quote and switch your policy. That’s great but how can every company save you money? It’s all in how they say it.

Many companies give the cheapest rates for the right customer that will be a good risk. A good example of a profitable insured should be between the ages of 30 and 50, has a low-risk occupation, and drives a vehicle with a low ISO rating. A propective insured that hits that “sweet spot” receives the best rates and will most likely save money with a new company.

People who don’t qualify for these stringent criteria may be forced to pay a higher premium and this results in business not being written. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save money. This is how companies can make those statements.

This emphasizes why you really should compare as many free auto insurance quotes as you can. Because without a comparison, you cannot know which insurance companies will have the best prices for your profile.

Lower rate quotes by applying discounts

Insurance can cost an arm and a leg, but companies offer discounts that many consumers don’t even know exist. A few discounts will automatically apply when you complete an application, but some need to be specially asked for prior to receiving the credit.

• Defensive Driver Discounts – Taking a course teaching defensive driver skills could save 5% or more and also improve your driving technique.
• Multi-Vehicle Discounts – Buying coverage for multiple vehicles with the same company could earn a price break for each car.
• Telematics Discount – Policyholders that allow their insurance company to scrutinize driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
• Early Switch Discount – Some insurance coverage companies provide a discount for switching to them before your current expiration date. Ten percent is about the average savings.
• Anti-lock Brake System – Cars and trucks with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
• Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a auto insurance quote.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will positively reduce the cost of coverage.

If you would like to see a list of insurance coverage companies that can offer you the previously mentioned discounts, follow this link.

Your car insurance coverage should be tailored to you

When choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

For instance, these questions can help discover whether your personal situation could use an agent’s help.

• Why do I only qualify for high-risk insurance?
• When should I remove comp and collision on my 2002 Subaru Impreza?
• Is a new car covered when I drive it off the dealer lot?
• Do I need medical payments coverage since I have good health insurance?
• Will I lose any money if I cancel my policy before it expires?
• Is my 2002 Subaru Impreza covered for smoke damage?
• Am I covered if I hit my neighbor’s mailbox?
• Should I have combined single limit or split liability limits?
• Will my rates increase for filing one claim?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

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Auto insurance policy specifics

Understanding the coverages of a auto insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for liability

This will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, loss of income and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, a broken windshield and vandalism. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for prosthetic devices, doctor visits, pain medications, rehabilitation expenses and nursing services. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Stretch your dollar

Insureds who switch companies do it for a number of reasons such as questionable increases in premium, denial of a claim, an unsatisfactory settlement offer or even high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is not as hard as you think.

There are still a few companies who do not offer price quotes online and most of the time these regional insurance providers prefer to sell through independent agencies. Discount 2002 Subaru Impreza insurance is definitely available on the web and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates.

We just covered a lot of information how to get a better price on 2002 Subaru Impreza insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the smaller companies.

Additional auto insurance information can be read at the links below

• Bodily Injury Coverage (Liberty Mutual)
• How Much is Auto Insurance for a Subaru Impreza in Tucson? (TucsonInsure.com)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)

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