How Much Does 2009 Subaru Impreza Car Insurance Cost?

Trying to find the cheapest auto insurance rates for your Subaru Impreza? Do you get exhausted from robbing Peter to pay Paul to pay high auto insurance rates every month? You have the same problem as millions of other drivers. Drivers have many car insurance companies to buy insurance from, and although it’s a good thing to have a selection, so many choices can make it hard to find a good deal.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Vehicle owners only need an understanding of how to compare prices on the web.

Find hidden discounts on insurance coverage

Some providers don’t always publicize all possible discounts in a way that’s easy to find, so we researched some of the best known and the harder-to-find discounts that you can inquire about if you buy insurance coverage online. If you aren’t receiving every discount available, you are just wasting money.

• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
• Senior Citizen Discount – Drivers over the age of 55 may qualify for a discount up to 10% on Impreza insurance.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and earn discounts up to 10%.
• Discounts for Government Workers – Simply working for the federal government can save as much as 8% on Impreza insurance with some insurance coverage companies.
• Auto/Life Discount – Select insurance carriers reward you with a small discount if you purchase auto and life insurance together.

Remember that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

A few of the larger companies and the discounts they provide include:

• Geico includes discounts for membership and employees, emergency military deployment, anti-lock brakes, defensive driver, and multi-policy.
• Mercury Insurance offers discounts for type of vehicle, ease of repair, low natural disaster claims, good driver, anti-theft, and multi-car.
• Farmers Insurance may offer discounts for mature driver, youthful driver, electronic funds transfer, switch companies, and bundle discounts.
• Auto-Owners Insurance may include discounts for good student, multi-policy, teen driver, paid in full, anti-theft, and company car.
• Liberty Mutual discounts include new graduate, preferred payment discount, good student, hybrid vehicle, new vehicle discount, and safety features.
• SAFECO offers premium reductions for safe driver, anti-theft, teen safe driver, homeowner, bundle discounts, and accident prevention training.
• Progressive has savings for homeowner, continuous coverage, multi-vehicle, good student, online signing, and multi-policy.
• USAA offers discounts including good student, loyalty savings, military installation, vehicle storage, and multi-vehicle.

Check with every company how you can save money. Some of the discounts discussed earlier might not apply in your area.

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The Subaru Impreza insurance premium equation

Many things are taken into consideration when premium rates are determined. Some are pretty understandable such as traffic violations, but others are less obvious like where you live and annual miles driven.It’s important that you understand a few of the rating criteria that help determine the level of your policy premiums. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower rates.

The itemized list below are a few of the “ingredients” that factor into your premiums.

• Insurance costs and driver gender – Statistics show that women are safer drivers than men. It does not mean women are BETTER drivers than men. Females and males get in accidents at about the same rate, but men cause more damage and cost insurance companies more money. Not only are claims higher, but men have more aggressive citations like DWI (DUI) or reckless driving.
• Stress out and pay more – Did you know your insurance coverage rates can be affected by your occupation? Careers like military generalspolice officers and medical professionals generally pay higher rates than average because of high stress levels and incredibly demanding work hours. Other occupations such as farmers, historians and the unemployed pay lower than average rates on Impreza insurance.
• Never let your insurance coverage lapse – Having an insurance coverage lapse can be a quick way to increase your rates. And not only will your rates increase, failure to provide proof of insurance could earn you fines and jail time.
• Single vs. married – Having a significant other helps lower the price on your policy. Having a significant other generally demonstrates drivers are less irresponsible and it’s statistically proven that married drivers get in fewer accidents.
• High credit scores equal low prices – A driver’s credit score is a big factor in determining what you pay for insurance coverage. So if your credit history can use some improvement, you could save money insuring your 2009 Subaru Impreza if you clean up your credit. Insureds with excellent credit scores tend to be more responsible as compared to drivers with bad credit.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions can help discover if you might need an agent’s assistance.

• Can I still get insurance after a DUI?
• Can I afford low physical damage deductibles?
• What if I owe more than I can insure my car for?
• Should I rate my 2009 Subaru Impreza as pleasure use or commute?
• How can I get my company to pay me more for my totalled car?
• Do I need motorclub coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t listen to company ads

Consumers can’t escape the ads that promise big savings for switching from the likes of 21st Century, Allstate and State Farm. They all try to convey promises that you’ll save big if you switch to their company.

How does every company offer you a better deal? Just pay attention to how they say it.

All the different companies give the cheapest rates for the type of customer they prefer to insure. An example of a driver they prefer could be over age 30, has few claims, and has a high credit rating. Any customer who matches those parameters will most likely get cheap rates and will also save money with a new company.

Potential customers who cannot meet these criteria may be required to pay a higher premium and the driver buying from a lower-cost company. The trick is to say “customers who switch” but not “all drivers who get quotes” save that much when switching. That is how insurance companies can confidently claim big savings. Because of these techniques, drivers must quote coverage with many companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest prices.

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Learn about car insurance coverages for a Subaru Impreza

Having a good grasp of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages offered by car insurance companies.

Collision coverage

Collision coverage covers damage to your Impreza resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills such as chiropractic care, rehabilitation expenses, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Subaru Impreza.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, falling objects and rock chips in glass. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits 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 a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, medical expenses, structural damage and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

More choices the merrier

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best cost.

You just learned many tips how you can get a better price on 2009 Subaru Impreza insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the best prices are with the least-expected company. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

Other resources

• Side Impact Crash Tests (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)

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