2007 Subaru Impreza Insurance Quotes – 8 Tips for Best Rates

Looking for cheaper auto insurance rates for your Subaru Impreza? No car owner anticipates paying for auto insurance, especially when they are aware that they could get a better deal. There are many insurance companies to purchase coverage from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates and find the lowest cost auto insurance.

Cheapest insurance price quotes

Performing a rate comparison can be exhausting if you aren’t aware of the most efficient way. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to get pricing more quickly.

Many of the larger companies enroll in a system where prospective buyers submit their information once, and each company returns a rated price based on the submitted data. This eliminates the need for quote forms to each company.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to doing it this way is you are unable to specify the companies you will receive quotes from. So if you want to select from a list of companies to request quotes from, we have a page of companies who write insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare equivalent deductibles and coverage limits for every quote you compare. If each company quotes differing limits it will be impossible to get a fair rate comparison.

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Insurance coverage discounts are available to slash your rates

Some providers do not advertise all their discounts very clearly, so the list below contains some of the more common and also the lesser-known ways to save on insurance coverage. If you’re not getting every credit available, you could be paying more than you need to.

• Payment Method – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
• Save with a New Car – Putting insurance on a new car can save up to 30% since new model year vehicles are generally safer.
• Drivers Ed for Students – Have your child participate in a local driver’s education class in school or through a local driver safety program.
• Homeowners Pay Less – Simply owning a home may trigger a policy discount on insurance coverage since owning and maintaining a home requires personal responsibility.
• Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
• Claim Free – Drivers who don’t have accidents can save substantially as compared to frequent claim filers.
• Low Mileage Discounts – Fewer annual miles on your Subaru could be rewarded with cheaper insurance coveragerates.
• Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies may permit one accident before raising your premiums if you have no claims for a particular time prior to the accident.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you aren’t that lucky. But all discounts will definitely reduce the amount you pay for coverage.

Larger insurance coverage companies and some of the discounts are detailed below.

• Travelers may have discounts that include new car, hybrid/electric vehicle, IntelliDrive, driver training, and student away at school.
• 21st Century offers discounts for theft prevention, anti-lock brakes, automatic seat belts, homeowners, teen driver, and driver training.
• State Farm may offer discounts for passive restraint, defensive driving training, student away at school, safe vehicle, Drive Safe & Save, multiple policy, and good student.
• Geico offers premium reductions for driver training, emergency military deployment, anti-theft, defensive driver, and seat belt use.
• SAFECO policyholders can earn discounts including bundle discounts, drive less, teen safety rewards, safe driver, and anti-theft.
• AAA has discounts for good student, AAA membership discount, multi-policy, multi-car, and pay-in-full.

When getting a coverage quote, ask all the companies which discounts can lower your rates. Discounts might not be available to policyholders in your area. To view companies with discount insurance coverage rates, click here.

Everyone needs different car insurance coverages

When it comes to buying adequate coverage, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

• Can I pay claims out-of-pocket if I buy high deductibles?
• How do I file an SR-22 for a DUI in my state?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered if I wreck a rental car?
• How much liability coverage do I need in my state?
• What happens if I owe more than my 2007 Subaru Impreza is worth?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

But they said I’d save $457 a year!

Drivers can’t get away from ads for cheaper auto insurance from companies such as Geico, State Farm and Progressive. All the companies try to convey promises about savings if you just switch your auto insurance coverage to their company.

How does each company cost less than your current company? Here is how they do it.

All companies have specific characteristics for the driver that will generate a profit. For example, a profitable customer may need to be between the ages of 40 and 55, owns a home, and drives a lower-performance vehicle. A customer getting a price quote who fits those characteristics will get a cheap rate quote and most likely will pay quite a bit less when switching companies.

Potential insureds who do not meet this ideal profile will see higher rates and this results in the customer buying from someone else. The trick is to say “drivers that switch” not “everyone that quotes” save the amount stated. That’s why insurance companies can confidently make those statements. Because of these techniques, drivers must compare price quotes frequently. It’s impossible to know which company will have the lowest prices for your situation.

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Detailed coverages of your auto insurance policy

Having a good grasp of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by auto insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses for things like chiropractic care, dental work, funeral costs and pain medications. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, hitting a bird and a broken windshield. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

This protects you from damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, bail bonds, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

Collision coverage pays for damage to your Impreza resulting from colliding 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 claims such as backing into a parked car, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

The bottom line

Lower-priced 2007 Subaru Impreza insurance can be sourced online and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance coverage companies may not offer online price quotes and usually these smaller companies sell through independent agencies.

While you’re price shopping online, you should never buy poor coverage just to save money. There have been many situations where drivers have reduced full coverage and learned later that the savings was not a smart move. Your goal should be to purchase plenty of coverage at the best cost.

More tips and info about insurance coverage is available at these sites:

• Distracted Driving (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)

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