How Much Does 2012 Subaru Impreza Insurance Cost?

Searching for the cheapest insurance rates for your Subaru Impreza? Locating the cheapest insurance for a Subaru Impreza can turn out to be an all-consuming task, but you can follow our insurance buying tips to make it easier.

There is a right way and a wrong way to shop for insurance so you’re going to learn the proper way to price shop coverage for your Subaru and get the cheapest rates.

It is always a good idea to take a look at other company’s rates periodically because insurance rates are variable and change quite frequently. If you had the best price for Impreza insurance last year a different company probably has better rates today. Ignore everything you know about insurance because you’re about to find out the proper way to reduce your cost while improving coverage.

If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to find better prices and still get good coverage. Locating more affordable car insurance coverage can be fairly easy. Consumers just need to learn the most effective way to compare price quotes online.

How to Lower Your Auto Insurance Cost

Reducing your 2012 Subaru Impreza insurance rates isn’t really that difficult. You just need to invest a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done using a couple different methods.

The best way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing separate quotation requests for each company. One form compares rates instantly. It’s definitely the quickest method.

A more difficult way to shop for auto insurance online is spending the time to visit the website for every company you want to comare to request a price quote. For example, we’ll assume you want comparison quotes from Auto-Owners, Safeco and Allstate. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make sure you use exactly the same coverages and limits for every company. If you are comparing different limits and deductibles on each one it will be next to impossible to determine the lowest rate for your Subaru Impreza.

Do drivers who switch really save $455 a year?

Consumers get pounded daily by advertisements for cheaper car insurance by State Farm, GEICO and Progressive. All the ads say the same thing about savings if you switch to their company.

How do they all make almost identical claims? It’s all in the numbers.

All the different companies are able to cherry pick for the type of driver that makes them money. An example of a driver they prefer might be between the ages of 30 and 50, has no tickets, and has a short commute. Any driver who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who are not a match for the requirements will be quoted a higher premium and this can result in business going elsewhere. The ads say “drivers who switch” not “people who quote” save that much. That is how insurance companies can confidently make those claims.

This emphasizes why drivers should get as many quotes as possible. It’s impossible to know which insurance companies will provide you with the cheapest Subaru Impreza insurance rates.

Don’t miss out on these money-saving discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you complete an application, but a few must be requested specifically before they will apply. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts of up to 25% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • One Accident Forgiven – Some insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Student in College – Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Impreza insurance than less cautious drivers.
  • Senior Discount – If you’re over the age of 55, you may be able to get reduced rates for Impreza insurance.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for Impreza insurance depending on your company.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like you could get a free car insurance policy, companies wouldn’t make money that way. But all discounts will reduce your overall premium however.

Insurance companies that may offer these benefits may include but are not limited to:

Check with each company which discounts you may be entitled to. Discounts may not apply in your area.

Do I need special coverages?

When it comes to choosing adequate coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need higher collision deductibles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Auto insurance coverage options for a 2012 Subaru Impreza

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverages – Collision insurance pays for damage to your Impreza resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability – This will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as repair costs for stationary objects, structural damage, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, theft, rock chips in glass and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, surgery, hospital visits and EMT expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Be Smart and Buy Smart

Drivers leave their current company for many reasons like questionable increases in premium, an unsatisfactory settlement offer, poor customer service or denial of a claim. No matter why you want to switch, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

Cost effective 2012 Subaru Impreza insurance can be sourced both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and these smaller companies work with independent agents.

As you restructure your insurance plan, you should never reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

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