2010 Subaru Impreza Insurance Quotes

Trying to find the cheapest car insurance rates for your Subaru Impreza? Are you sick and tired of being strong-armed to buy car insurance? You are in the same boat as many other consumers.

There are many auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, it can be more challenging to locate the cheapest rates.

It’s a good habit to get comparison quotes at least once a year since rates are rarely the same from one policy term to another. Even if you think you had the lowest price for Impreza coverage last year the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because we’re going to demonstrate the right way to reduce your cost while improving coverage.

The purpose of this post is to teach you how to get online quotes and some money-saving tips. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. But consumers must learn how the larger insurance companies price online insurance.

Finding Insurance

Most companies such as Progressive, Geico, Allstate and State Farm quote price estimates on their websites. This process is fairly straightforward as you simply enter the coverage amounts you desire into the quote form. After you submit the form their system pulls your driving record and credit report and generates a price determined by many factors. Quoting online streamlines rate comparisons, but the process of having to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes in order to get a better rate.

The easiest way to find better insurance pricing makes use of a single form that gets prices from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes quoting online a lot less work. After your information is entered, your coverage is rated and you can choose any one of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.

In order to find out how much you’re overpaying now, click here and complete the simple form. If you have your current policy handy, we recommend you type in the limits and deductibles identical to your current policy. Doing this guarantees you are getting a price comparison based on similar coverages.

Policy discounts you shouldn’t miss

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at quote time, but a few must be requested specifically prior to getting the savings.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • Resident Student – Children who are attending college and don’t have a car may be able to be covered for less.
  • No Accidents – Claim-free drivers can earn big discounts compared to drivers who are more careless.
  • Accident Waiver – Certain companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Driver Safety – Taking part in a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Low Mileage – Fewer annual miles on your Subaru could be rewarded with better rates on cars that stay parked.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Impreza coverage than less cautious drivers.
  • Multiple Vehicles – Insuring multiple vehicles on the same insurance policy may reduce the rate for each vehicle.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will bring down your premiums.

Companies that possibly offer these money-saving discounts are:

Double check with every prospective company which discounts you may be entitled to. Savings might not be offered in your area.

Insurance agents can help

When choosing coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover whether you may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my nanny covered when driving my vehicle?
  • Are split liability limits better than a combined single limit?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I bundle my homeowners policy with my auto?
  • Can I make deliveries for my home business?
  • Should I buy only the required minimum liability coverage?
  • When should I drop full coverage on my 2010 Subaru Impreza?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Elements that influence Subaru Impreza insurance rates

It’s important that you understand the rating factors that help determine the rates you pay for insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get lower insurance prices.

The following are some of the items that factor into your rates.

  • Safe vehicles cost less to insure – Vehicles with good safety scores are cheaper to insure. These vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and lower rates for you. If your Subaru Impreza is rated at least four stars on Safercar.gov you are probably receiving a discount.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Both sexes tend to get into accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations like DUI and reckless driving.
  • Never let your coverage lapse – Allowing your insurance policy to lapse is a fast way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage may earn you a steep fine or even jail time.You may then be required to file a SR-22 with your state department of motor vehicles.
  • Big city or small town – Residing in a rural area can be a good thing when buying insurance. Drivers in populated areas tend to have much more traffic and longer commute times. Fewer people means a lower chance of having an accident and a lower car theft rate.

Auto insurance coverages

Knowing the specifics of insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle, damage from a tornado or hurricane and fire damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability – Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, emergency aid, bail bonds and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision – This coverage pays for damage to your Impreza resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, crashing into a building and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Subaru Impreza.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses such as pain medications, funeral costs, nursing services, doctor visits and dental work. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage for the lowest price while still protecting your assets.

You just learned a lot of tips how to compare 2010 Subaru Impreza insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with some of the lesser-known companies. These companies can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

More detailed auto insurance information is located in these articles: