Compare 2015 Subaru Impreza Insurance Quotes

Trying to find cheaper auto insurance rates for your Subaru Impreza? If you are new to getting insurance coverage quotes online, you can be bewildered by the diversity of local and online companies all offering big savings.

You need to get comparison quotes quite often because prices go up and down regularly. Just because you found the best deal on Impreza insurance last year a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to quote online to lower your rates without sacrificing coverage.

These discounts can lower car insurance rates

Auto insurance companies do not advertise all available discounts very clearly, so the list below details some of the more common as well as the least known credits available to bring down your rates.

• Good Driver Discount – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote on Impreza insurance as compared to drivers with claims.
• Student Discounts – This discount can save 20 to 25%. Most companies allow this discount until age 25.
• Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease on Impreza insurance with a few car insurance companies.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and earn discounts up to 10%.
• Driver Safety – Taking a driver safety course could possibly earn you a 5% discount and make you a better driver.

One last thing about discounts, most discount credits are not given the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts will definitely lower the amount you pay for coverage.

A few popular companies and a partial list of their discounts are shown below.

• Geico policyholders can earn discounts including seat belt use, federal employee, military active duty, five-year accident-free, and air bags.
• USAA may include discounts for defensive driver, good student, vehicle storage, loyalty savings, multi-vehicle, family discount, and driver training.
• Progressive may have discounts that include multi-vehicle, multi-policy, online quote discount, good student, continuous coverage, and homeowner.
• American Family offers discounts for good driver, accident-free, multi-vehicle, good student, Steer into Savings, TimeAway discount, and air bags.
• Esurance discounts include renters, multi-policy, anti-theft, Pac-12 alumni, and good student.
• Farmers Insurance has savings for youthful driver, multi-car, pay in full, switch companies, and distant student.
• State Farm includes discounts for accident-free, good driver, driver’s education, multiple autos, Drive Safe & Save, anti-theft, and Steer Clear safe driver discount.

Before you buy a policy, ask all companies you are considering which credits you are entitled to. All car insurance discounts may not apply everywhere. For a list of insurance companies who offer cheap car insurance quotes, click this link.

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How your Impreza insurance prices are determined

The best way to find cheaper car insurance is to take a look at the factors that come into play when calculating the price you pay for car insurance. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower rates.

The factors shown below are just a few of the factors used by companies to determine your rates.

• Only buy coverage you need – There are many additional extra coverages that you can get tricked into buying on your 2015 Impreza policy. Insurance for vanishing deductibles, towing, and motor club memberships could be just wasting money. They may seem good at first, but if you don’t need them eliminate them to save money.
• Less chance of injury means lower rates – Cars with five star safety ratings tend to have lower insurance rates. The safest vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means your insurance company pays less passed on to you as lower rates. If the Subaru Impreza scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Do you really need to file that car insurance claims? – Car insurance companies give lower rates to drivers who file claims infrequently. If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of larger claims.
• Liability insurance limits are a factor – The liability section of your policy will provide protection in the event that you are responsible for physical damage or personal injury to other. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
• Prices and employer – Did you know your job can affect your rates? Careers like lawyers, executives and financial analysts have higher premiums than the average policyholder in part from intense work situations and incredibly demanding work hours. On the flip side, jobs such as scientists, engineers and homemakers have the lowest average rates on Impreza insurance.
• Premiums are high for teenagers – Beginning drivers have been known to get distracted easily when driving with friends therefore car insurance rates are much higher. Adding a young driver onto a policy can cause a big jump in price. Older, more experienced drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
• Cheaper rates with high physical damage deductibles – Physical damage protection, also called ‘full coverage’, covers damage that occurs to your Subaru. A few examples of covered claims are collision with another vehicle, collision with an animal, and burglary. The deductibles are how much you are required to spend before your car insurance pays a claim. The more damage repair cost you are required to pay out-of-pocket, the less your car insurance will be on Impreza insurance.
• How’s your driving record? – Only having one citation could increase your next policy renewal substantially. Drivers who don’t get tickets have lower premiums compared to bad drivers. Drivers who get license-revoking tickets such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to prevent their license from being revoked.

When do I need an agent’s advice?

When choosing the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether your personal situation could use an agent’s help.

• Why am I required to get a high-risk car insurance policy?
• How many claims can I have before being cancelled?
• Is my dog or cat covered if injured in an accident?
• Does my insurance cover my expensive audio equipment?
• Do I need medical payments coverage since I have good health insurance?
• How much liability do I need to cover my assets?
• If my 2015 Subaru Impreza is totaled, can I afford another vehicle?
• Does coverage extend to a rental car in a foreign country?
• Do I have coverage if my license is suspended?
• Can I get a multi-policy discount?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Truth in car insurance advertising

Car insurance providers like Allstate, Geico and Progressive constantly bombard you with television and radio advertisements. All the ads make the point that you can save if you just switch your car insurance policy to them. Is it even possible that every company can charge lower premium rates? Here is the trick they use.

Insurance providers have a preferred profile for the type of customer that earns them a profit. A good example of a preferred risk might be described as married and over the age of 30, has a low-risk occupation, and drives a safe vehicle. A customer who meets those qualifications is entitled to the best price as well as save when they switch companies.

Potential insureds who cannot meet the requirements will see higher prices and the prospect going elsewhere. The trick is to say “people that switch” but not “all drivers who get quotes” save the amount stated. That’s why insurance companies can advertise the savings.

This really illustrates why it’s extremely important to get price quotes at each policy renewal. It’s impossible to know which insurance companies will fit your personal profile best.

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Auto insurance coverage considerations

Knowing the specifics of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage will cover damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, structural damage and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

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

Collision coverage protects against things like crashing into a building, hitting a parking meter, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for pain medications, X-ray expenses and nursing services. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, a broken windshield, damage from getting keyed, damage from flooding and hail damage. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

What is YOUR best insurance company?

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed physical damage coverage to discover at claim time that it was a big mistake. The proper strategy is to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

Some insurance coverage companies may not offer internet price quotes and these regional insurance providers only sell through local independent agencies. Budget-friendly insurance coverage can be bought from both online companies in addition to many insurance agents, so you need to compare both to have the best rate selection.

People who switch companies do it for many reasons like high prices, poor customer service, lack of trust in their agent and even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

Much more information about insurance coverage is available at the links below

• Frontal Crash Tests (iihs.org)
• Who Has Cheap Auto Insurance for a Subaru Impreza in Jacksonville? (JacksonvilleCoverage.com)
• Medical Payments Coverage (Liberty Mutual)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Child Safety FAQ (iihs.org)

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