Save on 2013 Subaru Impreza WRX Car Insurance Rates

Looking for cheaper insurance rates for your Subaru Impreza WRX? Car owners who just recently started comparing car insurance rates online will find purchasing cheap auto insurance is quite challenging.

You should take the time to get comparison quotes periodically since insurance rates go up and down regularly. If you had the best deal for Impreza WRX insurance two years ago you will most likely find a better price today. Block out anything you think you know about insurance because you’re about to find out the only way to properly buy coverages while reducing your premium.

Subaru Impreza WRX insurance rates can be reduced

Many things are taken into consideration when you quote your car insurance policy. Some are pretty understandable like an MVR report, but other factors are not as apparent like your continuous coverage or your financial responsibility.

The itemized list below are most of the major factors used by your company to calculate premiums.

• Urban areas may pay more – Residing in areas with lower population may provide you with better prices when talking about insurance. Less people living in that area means reduced accidents in addition to fewer liability claims. Urban drivers tend to have much more traffic and longer commutes to work. The longer drive time means higher likelihood of an accident.
• Insure car and home with the same company – The majority of insurance companies allow discounts to insureds who carry more than one policy such as combining an auto and homeowners policy. Even with this discount applied, consumers should still check prices from other companies to ensure the best deal.There is a good possibility that you can find better rates by splitting coverages up.
• Put fewer miles on your vehicle – The higher the miles on your Subaru annually the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Cars and trucks that sit idle most of the time receive lower rates than vehicles that are driven to work every day. A policy that improperly rates your Impreza WRX can cost quite a bit. It’s always a good idea to double check that your policy is rated on annual mileage.
• Pay less with a high IIHS safety rating – Safer cars tend to be cheaper to insure. Vehicles built for safety reduce injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Subaru Impreza WRX scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Get a ticket, pay higher costs – Good drivers get better rates than people who have multiple driving citations. Even a single moving violation may increase your cost by twenty percent. Drivers with dangerous violations such as DUI or reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
• Never let your policy lapse – Having an insurance coverage lapse will be a quick way to trigger a rate increase. In addition to paying higher premiums, getting caught without coverage will get you a revoked license or a big fine. Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Discounts for cheaper car insurance quotes

Some insurers do not list the complete list of policy discounts very clearly, so the below list has both the well known as well as the least known discounts that you may qualify for.

• Distant Student – Youth drivers who attend college more than 100 miles from home and do not have a car may be able to be covered for less.
• Paper-free Discount – Some companies will give a small break for signing up digitally online.
• More Vehicles More Savings – Purchasing coverage when you have several vehicles on one policy could earn a price break for each car.
• ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive so you can save 10 percent or more.
• Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.

A quick disclaimer, most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any qualifying discounts will lower the cost of coverage.

Some of the larger companies who may offer these benefits include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Before you buy a policy, ask each company what discounts are available to you. Some of the discounts discussed earlier might not be offered in your state. For a list of insurers who offer cheap car insurance quotes, click here to view.

You may need specialized auto insurance coverage

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

• Should I waive the damage coverage when renting a car?
• Do I need an umbrella policy?
• Do I pay less for low miles?
• Should I drop comprehensive coverage on older vehicles?
• Can I get a multi-policy discount?
• How can I get high-risk coverage after a DUI?
• Can my babysitter drive my car?
• Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages explained

Understanding the coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverages

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like bail bonds, repair costs for stationary objects, medical expenses and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Coverage for collisions

This coverage covers damage to your Impreza WRX resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a bird, fire damage, vandalism, hail damage and a broken windshield. The highest amount you’ll receive from a claim is the 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

Medical payments and Personal Injury Protection insurance pay for bills like doctor visits, surgery and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Subaru Impreza WRX.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

A little work can save a LOT of money

People switch companies for a number of reasons such as unfair underwriting practices, denial of a claim, delays in responding to claim requests or extreme rates for teen drivers. No matter why you want to switch, finding a new company is easier than you think.

When you buy auto insurance online, never reduce coverage to reduce premium. There are a lot of situations where someone sacrificed collision coverage only to find out that it was a big mistake. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

We just showed you many ideas to reduce 2013 Subaru Impreza WRX insurance premium rates online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from a smaller regional carrier.

Much more information about auto insurance is available on the following sites:

• How to Avoid Common Accidents (State Farm)
• How Much is Auto Insurance for a Subaru Impreza in Tucson? (TucsonInsure.com)
• Who Has Cheap Lexington Auto Insurance Quotes for a Subaru Impreza? (InsureLexington.com)
• How Much is Auto Insurance for a Subaru Impreza in Lincoln? (LincolnAutoGuard.com)
• State Car Insurance Guides (Geico)
• Should I Buy a New or Used Car? (Allstate)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption