Compare 2010 Subaru Impreza Insurance Rates

Want lower insurance rates for your Subaru Impreza? Think you have an underperforming, overpriced insurance policy? You’re preaching to the choir because many drivers have buyer’s remorse. Numerous insurers battle for your insurance dollar, so it’s not easy to compare every provider to find the lowest rate

Four tips to get lower-cost insurance costs

A large part of saving on auto insurance is knowing a few of the rating criteria that help determine your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that may reward you with better auto insurance rates.

The itemized list below are some of the most rate-impacting factors utilized by car insurance companies to help set your rate level.

• Better credit means lower rates – An insured’s credit rating can be a huge factor in determining what you pay for auto insurance. So if your credit history is lower than you’d like, you could save money insuring your 2010 Subaru Impreza by improving your rating. People that have good credit tend to file fewer claims than drivers who have worse credit.
• Rates impacted by your city – Being located in less populated areas is a positive aspect if you are looking for the lowest rates. Drivers who live in large cities tend to have congested traffic and much longer commute distances. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims.
• Traffic violations mean higher prices – A bad driving record impacts your car insurance rates tremendously. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Only having one chargable violation can bump up the cost by twenty percent. Drivers who have received license-revoking violations such as DWI, reckless driving or hit and run convictions may find that they have to to prove financial responsibility with their state DMV in order to legally drive a vehicle.
• Men drivers tend to cost more – Statistics have proven females are less aggressive when driving. This data doesn’t prove that females are better drivers. Males and females are responsible for fender benders at a similar rate, but the male of the species cause more damage and cost insurance companies more money. In addition to higher claims, males also get cited for more serious violations like driving under the influence (DUI). Youthful male drivers are most likely to cause an accident and therefore pay the highest rates.

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How to get affordable auto insurance

Finding cheap 2010 Subaru Impreza auto insurance rates is a great way to save money. Just invest a little time getting comparison quotes from some recommended companies. It’s really simple and can be done in just a few minutes using one of these methods.

The first (and easiest) way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating separate forms for every auto insurance company. One simple form gets prices estimates from many national carriers.

Another way to analyze rates is going to each company website and request a quote. For example, we’ll pretend you want to compare USAA, 21st Century and State Farm. You would have to spend time on each company’s site to enter your coverage information, which can get old fast.

To view a list of companies in your area, click here.

The least efficient and most time consuming way to quote and compare insurance rates is to drive around to all the different insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you’re the type of person who wants the extra assistance that can only be provided by a licensed insurance agent. Some companies do allow you to get prices online and still use a local agent.

Whichever method you choose, be sure you’re using apples-to-apples quote information for each quote you get. If you are comparing higher or lower deductibles it will be very difficult to make a fair comparison for your Subaru Impreza.

Truth in insurance coverage advertising

Drivers can’t get away from ads for the lowest price insurance coverage by companies like Geico, State Farm and Progressive. All the ads advertise claims about how much you will save after switching to them.

How does every insurance coverage company make the same claim?

All companies have a preferred profile for the right customer that earns them the most money. One example of a profitable customer may need to be over the age of 50, insures multiple vehicles, and has excellent credit. A propective insured who matches that profile may get the lowest rates and have a good chance to save if they switch.

Drivers who do not match those standards will see higher prices which leads to business not being written. The ads say “customers who switch” but not “everyone who gets a quote” save that kind of money. That’s the way insurance companies can make claims like that. Different companies use different criteria so you should get insurance coverage quotes from several different companies. It’s just too difficult to predict which company will have the lowest rates.

Auto insurance policy discounts

Companies that sell car insurance don’t always list all their discounts in a way that’s easy to find, so we researched some of the best known and the harder-to-find credits available to lower your premiums when you buy insurance coverage online.

• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and qualify for as much as a 10% discount.
• Full Payment Discount – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
• New Vehicle Savings – Adding a new car to your policy is cheaper because new model year vehicles keep occupants safer.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Data Collection Discounts – Drivers who elect to allow their insurance company to look at driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they have good driving habits.

Please keep in mind that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think you could get a free auto insurance policy, you aren’t that lucky.

To choose insurance companies that offer the discounts shown above, click this link.

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How do I know if I need professional advice?

When it comes to buying coverage, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine if you will benefit from professional help.

• What if I don’t agree with a claim settlement offer?
• Can my teen driver be rated on a liability-only vehicle?
• Does my policy cover my teen driver if they drive my company car?
• Is motorclub coverage worth it?
• Will filing a claim cost me more?
• Does insurance cover damages from a DUI accident?
• Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Information about specific coverages

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most auto insurance policies.

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, damage from getting keyed, damage from flooding and hitting a bird. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses for rehabilitation expenses, EMT expenses, surgery and funeral costs. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision coverage – This will pay to fix damage to your Impreza caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, backing into a parked car, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as emergency aid, repair costs for stationary objects, structural damage and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

A little work can save a LOT of money

We just showed you many ways to save on 2010 Subaru Impreza insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates are with the smaller companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced collision coverage and learned later that the savings was not a smart move. Your objective should be to find the BEST coverage at the lowest possible cost.

Low-cost 2010 Subaru Impreza insurance is possible on the web and from local agencies, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. A few companies may not provide the ability to get quotes online and most of the time these smaller companies prefer to sell through independent insurance agencies.

Even more information is available in the articles below:

• State Car Insurance Guides (Geico)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Red Light Cameras (State Farm)

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