2014 Subaru Impreza WRX Insurance Quotes – 5 Tips to Save

Are you a victim of an expensive insurance policy? It’s a common feeling and many drivers feel the same as you. With consumers having so many companies and agents to choose from, it can be challenging to locate the right insurance provider.

Pricing affordable insurance coverage is quite easy. If you are insured now or are looking for a new policy, you can use this information to find better prices and possibly find even better coverage. Drivers only need to know the proper methods to get comparison quotes online.

Lower-cost auto insurance rates with discounts

Car insurance can cost a lot, but you may qualify for discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time of purchase, but some must be specially asked for before they will apply. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

• Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
• Discount for Home Ownership – Just owning your own home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
• Student Driver Training – Teen drivers should complete a driver education course in school.
• Defensive Driver Discount – Taking a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
• E-sign – A few companies give back up to $50 simply for signing digitally online.

As is typical with insurance, most credits do not apply the the whole policy. Most only apply to specific coverage prices like comp or med pay. Even though it appears adding up those discounts means a free policy, it’s just not the way it works.

A few of the larger companies and some of the discounts can be found below.

• Geico has savings for seat belt use, emergency military deployment, federal employee, defensive driver, anti-lock brakes, air bags, and daytime running lights.
• SAFECO offers discounts for bundle discounts, safe driver, homeowner, anti-theft, accident prevention training, drive less, and teen safe driver.
• State Farm offers premium reductions for accident-free, multiple autos, driver’s education, Steer Clear safe driver discount, safe vehicle, anti-theft, and passive restraint.
• MetLife has discounts for good driver, multi-policy, defensive driver, good student, accident-free, and claim-free.
• 21st Century may have discounts that include teen driver, good student, defensive driver, early bird, and 55 and older.
• Progressive includes discounts for homeowner, good student, online quote discount, multi-policy, multi-vehicle, and online signing.

Check with every prospective company which discounts you may be entitled to. Some discounts listed above may not apply to policies in your area.

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But the ad said I’d save 15% in 15 minutes!

Consumers can’t avoid all the ads that promise big savings by companies like Allstate and Progressive. All the ads state the claim that drivers can save some big amount just by switching to their company.

How does each company make the same claim? It’s all in the words they use.

All companies have an ideal profile for the type of customer that will generate a profit. For example, a preferred risk might have to be over the age of 35, has other policies, and has a high credit rating. A customer who matches that profile receive the lowest rate quotes and will also save when switching.

Potential customers who are not a match for those standards will probably have to pay more expensive rates and the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can truthfully make it sound like they have such great car insurance rates.

This really emphasizes why you need to do a price quote comparison at every renewal. Because without a comparison, you cannot know the company that will fit your personal profile best.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions can help discover whether or not you could use an agent’s help.

• Are there companies who specialize in insuring high-risk drivers?
• Should I bundle my homeowners policy with my auto?
• Do I need medical payments coverage since I have good health insurance?
• When should I buy a commercial auto policy?
• Can I drive in Mexico and have coverage?
• Does my car insurance cover rental cars?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Understanding the coverages of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like X-ray expenses, surgery and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. 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 means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair costs for stationary objects, structural damage, legal defense fees, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, damage from flooding and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

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Have the Midas touch

When searching for inexpensive auto insurance quotes, do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.

Cheap 2014 Subaru Impreza WRX insurance is attainable from both online companies and with local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance providers do not provide the ability to get a quote online and most of the time these regional insurance providers provide coverage only through independent insurance agencies.

More resources

• Insuring a Leased Car (Insurance Information Insitute)
• Who Has the Cheapest Auto Insurance for a Subaru Impreza in Orlando? (OrlandoInsure.com)
• Credit and Insurance Scores (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)

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