2011 Subaru Impreza Insurance Quotes – 10 Tips for Cheapest Rates

Searching for lower insurance rates for your Subaru Impreza? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us when we tell you many consumers feel financially strained by their insurance policy.

Online insurance companies like State Farm, Allstate, GEICO and Progressive continually bombard you with fancy advertisements and it is difficult to avoid their marketing magic and find the best price available.

If you currently have a car insurance policy, you will be able to save some money using these techniques. Finding the best rates is quite easy. But drivers must know the way insurance companies market insurance on the web and take advantage of how the system works.

Comparison of Insurance

There are several ways you can shop for Subaru Impreza insurance but one way is easier and takes less work. You could spend your day talking to insurance agencies in your area, or you could use online quoting for quick rates.

Many of the larger companies participate in a marketplace that enables customers to complete one form, and each company provides a quote. This prevents consumers from doing quote forms to each company.

To compare 2011 Subaru Impreza rates now click here to open in new window.

The one downside to using this type of system is you cannot specify which insurance companies you want pricing from. If you prefer to choose individual companies to compare, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverages and limits with every price quote. If you are comparing different liability limits then you won’t be able to determine which rate is truly the best. Having just a slight variation in limits can result in a big premium difference. It’s important to know that comparing more company’s prices will enable you to find the best rates.

When might I need help?

When choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when driving someone else’s vehicle?
  • I have a DUI can I still get coverage?
  • Is my Subaru Impreza covered if I use it for business?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about 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.

Auto insurance coverages

Understanding the coverages of car insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages offered by car insurance companies.

Collision coverage

This coverage covers damage to your Impreza resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, crashing into a ditch, hitting a mailbox, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for 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. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical expenses, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as hospital visits, chiropractic care, dental work, EMT expenses and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, hitting a bird, damage from getting keyed, fire damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.