Want the cheapest insurance coverage rates for your Subaru Impreza? Sick and tired of paying out the nose to insure your Subaru every month? You’re in the same situation as the majority of other car owners. Many car insurance companies vie for your insurance dollar, so it’s not easy to compare every insurance company to get the cheapest price
The cost of insuring your cars can be expensive, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be specifically requested before you will receive the discount. If you’re not getting every credit you deserve, you’re just leaving money on the table.
As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will bring down your premiums.
Insurance companies who might offer these discounts are:
Before buying, ask every prospective company which discounts you may be entitled to. Discounts may not apply in every state.
Effectively comparing auto insurance prices can take time and effort if you aren’t aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in your area, or you could use online quotes to maximize your effort.
Most car insurance companies participate in a marketplace where prospective buyers submit one quote, and at least one company returns a competitive quote based on that data. This system prevents you from having to do form submissions to each company.
To compare 1996 Subaru Impreza rates using this form now click here (opens in new window).
One minor caviat to using this type of system is you are unable to specify which carriers you will receive quotes from. If you would rather choose specific insurance companies to request quotes from, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.
Which method you use is up to you, but make absolute certain that you use identical coverage information for each price quote. If your comparisons have different liability limits it will be very difficult to determine the best price for your Subaru Impreza.
When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.
Liability auto insurance
Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims such as legal defense fees, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for short-term medical expenses for doctor visits, funeral costs, surgery and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible
Protection from uninsured/underinsured drivers
This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Subaru Impreza.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.
Collision insurance will pay to fix 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 insurance covers things like colliding with a tree, rolling your car, crashing into a ditch, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.
Comprehensive (Other than Collision)
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like falling objects, rock chips in glass and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
We just showed you many tips how you can shop for 1996 Subaru Impreza insurance online. The key concept to understand is the more times you quote, the better your comparison will be. You may even discover the lowest premiums are with a small mutual company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.
Lower-priced insurance is possible online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
Additional information can be found on the following sites: