Compare 2001 Subaru Impreza Car Insurance Cost

If you’re shopping for lower-cost insurance, are you baffled by the wide range of car insurance providers that you can choose from? Lot’s of other drivers are too. People have such a large number of options that it can easily become a difficult situation to find the best rates.

Learn how to buy insurance cheaper

Lots of things are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving record, but others are less obvious such as your credit history or your commute time.When buying insurance it’s important to understand some of the elements that help calculate insurance rates. When you understand what controls the rates you pay, this helps enable you to make changes that could result in better insurance rates.

• Insurance policy lapses increase insurance rates – Driving your car without having proper coverage can get your license suspended and insurance companies will penalize you for letting your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance will get you a revoked license or a big fine.
• Safer cars are cheaper to insure – Vehicles with good safety scores get lower rates. Safer cars result in less severe injuries and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums.
• Careless drivers pay higher rates – Getting just one citation can increase the cost of insurance to the point where it’s not affordable. Drivers with clean records pay less for auto insurance as compared to those with violations. Drivers with multiple tickets like DUI or willful reckless driving may need to file a SR-22 with their state in order to drive a vehicle legally.
• How much liability insurance – Liability coverage will protect you in the event that you are ruled to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Men tend to take more risk – The statistics show that females take fewer risks when driving. Now that doesn’t mean women are BETTER drivers than men. Both sexes have auto accidents at about the same rate, but men cause more damage. They also get ticketed for serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 are most likely to cause an accident so it costs more to insure them.

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Save with these discounts

Companies don’t list the entire discount list in a way that’s easy to find, so the following list contains some of the best known and the harder-to-find insurance coverage savings.

• Student Discount for Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school or through a local driver safety program.
• Early Payment Discounts – By paying your policy upfront as opposed to paying monthly you may reduce your total bill.
• Drive Safe and Save – Accident-free drivers may save up to 50% more on Impreza coverage compared to accident prone drivers.
• Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
• 55 and Retired – Mature drivers may be able to get a discount up to 10% on Impreza coverage.
• Low Mileage Discounts – Keeping the miles down on your Subaru could earn discounted insurance coveragerates on garaged vehicles.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears you could get a free insurance coverage policy, you won’t be that lucky.

Some of the larger companies that may have these benefits include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

If you need cheap car insurance quotes, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be offered in your area. If you would like to see a list of insurers that have a full spectrum of discounts, follow this link.

Special considerations

When it comes to choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if you could use an agent’s help.

• Does my policy cover my teen driver if they drive my company car?
• Is my custom paint covered by insurance?
• Do I have newly-aquired coverage?
• Is my cargo covered for damage or theft?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need higher collision deductibles?
• How do I buy GAP insurance?
• Is my nanny covered when driving my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Coverage specifics

Knowing the specifics of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, crashing into a building, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses for prosthetic devices, doctor visits and ambulance fees. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, falling objects and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Subaru Impreza.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage – This provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like legal defense fees, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

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A penny earned…

Budget-conscious 2001 Subaru Impreza insurance can be found both online and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not provide online rate quotes and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced collision coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to buy enough coverage at the lowest possible cost while still protecting your assets.

People who switch companies do it for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, high prices and even unfair underwriting practices. Regardless of your reason, switching auto insurance companies can be easier than you think.

More information can be read below:

• Parking Tips to Reduce Door Dings (State Farm)
• How Much is Auto Insurance for a Subaru Impreza in Lincoln? (LincolnAutoGuard.com)
• Who Has the Cheapest Auto Insurance for a Subaru Impreza in Kansas City? (KCAutoGuard.com)
• Auto Insurance Learning Center (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)

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