1993 Subaru Impreza Insurance Quotes – 6 Ways to Save

People not familiar with comparing insurance rates online can find purchasing affordable car insurance nearly impossible.

It’s a good habit to get comparison quotes at least once a year because insurance rates go up and down regularly. Even if you got the lowest rates for Impreza insurance on your last policy you can probably find a lower rate today. There is too much inaccurate information about car insurance online but we’re going to give you some good information on how to put money back in your pocket.

This article will introduce you to how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. But vehicle owners must understand the methods companies use to market on the web and take advantage of how the system works.

Be sure to get all your discounts

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but less common discounts must be requested specifically prior to getting the savings.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.

Drivers should understand that most discounts do not apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will reduce your overall premium however.

Companies that may offer these discounts may include but are not limited to:

Check with each insurance company what discounts are available to you. All car insurance discounts may not be available in every state.

How do I know if I need professional advice?

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether your personal situation might need professional guidance.

  • If my 1993 Subaru Impreza is totaled, can I afford another vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • What if I total my 1993 Subaru Impreza and owe more than it’s worth?
  • Do I have coverage if my license is suspended?
  • Is my cargo covered for damage or theft?
  • Should I rate my 1993 Subaru Impreza as pleasure use or commute?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance 101

Learning about specific coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Auto liability insurance – Liability insurance can cover damage that occurs to other people or property. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see 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 property damage coverage for $100,000. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, bail bonds and structural damage. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Comprehensive car insurance – This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, hail damage, fire damage, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Subaru Impreza.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, EMT expenses, ambulance fees and pain medications. 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 an option in every state and gives slightly broader coverage than med pay

Collision coverage – Collision insurance covers damage to your Impreza resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, crashing into a building, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Summing up your auto insurance search

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an insured cut comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Drivers leave their current company for many reasons like policy cancellation, poor customer service, lack of trust in their agent and even questionable increases in premium. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

Cost effective 1993 Subaru Impreza insurance can be purchased online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

To learn more, take a look at the resources below: