Lower Your 2014 Subaru Impreza Car Insurance Quotes

Looking for better insurance coverage rates? Shoppers have a choice when shopping for the lowest priced Subaru Impreza insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to make rate comparisons. There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the best way to get price quotes for a new or used Subaru and find the lowest price.

Smart consumers take time to get comparison quotes quite often because insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rates for Impreza coverage six months ago other companies may now be cheaper. Don’t believe everything you read about insurance coverage online but you can learn some solid techniques on how to slash your insurance coverage rates.

Auto insurance policy discounts you can’t miss

Not too many consumers would say auto insurance is affordable, but there could be significant discounts that many consumers don’t even know exist. Many discounts should be triggered at the time you complete a quote, but a few must be specifically requested prior to receiving the credit.

• Telematics Devices – Insureds that choose to allow data collection to track driving habits by installing a telematics device like Allstate’s Drivewise could possibly reduce rates as long as they are good drivers.
• Multiple Policy Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you could earn a discount of 10% to 20% off each policy.
• Military Deployment Discount – Being on active duty in the military could be rewarded with lower premium rates.
• Accident Free – Drivers who don’t have accidents can save substantially as compared to frequent claim filers.
• Discount for Life Insurance – Select insurance carriers reward you with better prices if you take out a life policy as well.

A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will definitely reduce your policy cost.

Popular auto insurance companies and their offered discounts include:

• Geico may offer discounts for military active duty, multi-policy, five-year accident-free, good student, seat belt use, and anti-theft.
• MetLife offers premium reductions for multi-policy, accident-free, claim-free, good driver, defensive driver, good student
• Progressive policyholders can earn discounts including online quote discount, continuous coverage, online signing, homeowner, and good student.
• Travelers offers discounts for multi-policy, good student, multi-car, driver training, hybrid/electric vehicle, IntelliDrive, and student away at school.
• SAFECO may have discounts that include anti-lock brakes, safe driver, accident prevention training, anti-theft, teen safe driver, and teen safety rewards.
• AAA discounts include multi-policy, good driver, education and occupation, multi-car, pay-in-full, good student, and anti-theft.

When quoting, ask all the companies to apply every possible discount. Some discounts may not apply in every state. If you would like to choose from a list of auto insurance companies who offer cheap auto insurance quotes, click here to view.

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Components of your Subaru Impreza insurance premiums

Lots of things are part of the calculation when you get a price on insurance. A few of the factors are predictable such as your driving history, but other criteria are less obvious like where you live and annual miles driven.An important part of buying insurance is that you know a few of the rating criteria that aid in calculating the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get big savings.

• Your employer may affect prices – Do you have a high-stress occupation? Jobs such as judgesairline pilots and emergency personnel generally have the highest average rates because of job stress and lengthy work days. On the flip side, occupations such as scientists, engineers and performers have lower than average premiums for Impreza coverage.
• Raise your deductibles for better rates – The deductibles you choose define how much you are willing to pay out-of-pocket before your car insurance pays a claim. Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of some claims that would be covered are colliding with a stationary object, damage from fire, and damage from wind. The more you have to pay, the less money you will pay for car insurance for Impreza coverage.
• Remove unneeded extra coverages – Insurance policies have a lot of extra coverages that may not really be needed if you don’t pay attention. Insurance for vanishing deductibles, towing, and additional equipment coverage may be costing you every month. They may sound like good ideas when you first buy your policy, but if they’re wasting money consider taking them off your policy.
• Alarm systems save money – Choosing to buy a car with an alarm system can earn a premium discount. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft.
• Where you live can impact rates – Choosing to live in smaller towns and rural areas of the country can save you money when shopping for auto insurance. People who live in big cities tend to have more traffic problems and more severe claims. Fewer people translates into fewer accidents in addition to lower liability claims
• Be proud to be claim-free – If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Auto insurance companies generally give most affordable rates to policyholders that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of more catestrophic claims.
• Liability insurance is peace of mind – The liability section of your policy kicks in in the event that you are found to be at fault for physical damage or personal injury to other. This coverage provides legal defense which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so do not skimp.

Insurance agents can help

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different.

For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

• When do I need to add a new car to my policy?
• Is upholstery damage covered by car insurance?
• Do I have any recourse if my insurance company denies a claim?
• Is other people’s property covered if stolen from my vehicle?
• I have good health insurance, so how much medical payments coverage do I need?
• Who is covered when they drive my 2014 Subaru Impreza?
• Which companies will insure high-risk drivers?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Brand name doesn’t guarantee savings

Consumers get pounded daily by advertisements for insurance coverage savings by Geico, State Farm and Progressive. All the ads say the same thing about savings if you change your policy.

How does each company charge you a lower premium? You have to listen carefully.

All the different companies have strict underwriting profiles for the type of driver that is profitable for them. For instance, a preferred risk might be described as between the ages of 30 and 50, owns their home, and insures a new vehicle. Any person that fits those parameters will get a cheap rate quote and will probably save some money.

Potential insureds who don’t qualify for the requirements will be charged higher premium rates which results in the customer buying from a different company. The trick companies use is to say “people that switch” but not “everyone who gets a quote” save that kind of money. This is how companies can make those statements. Because each company has a different risk profile, you really need to get price quotes at each policy renewal. Because you cannot predict the company that will have the lowest rates for your situation.

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Detailed coverages of your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Subaru Impreza.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a bird, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for chiropractic care, hospital visits, X-ray expenses, dental work and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage

Liability coverage protects you from damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims like medical expenses, legal defense fees, attorney fees, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Impreza resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, sustaining damage from a pot hole, crashing into a building, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Make a quick buck

People change insurance companies for many reasons like being labeled a high risk driver, poor customer service, not issuing a premium refund and even unfair underwriting practices. Whatever your reason, switching insurance companies can be easy and end up saving you some money.

More affordable insurance is available online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and most of the time these regional insurance providers only sell coverage through independent agents.

As you quote car insurance, you should never buy poor coverage just to save money. Too many times, an insured dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

Additional insurance information can be found on the following sites:

• Older Drivers FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)

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