Lower Your 2013 Subaru Impreza Insurance Quotes

Have you fallen victim to an underperforming, overpriced insurance policy? Believe me when I say you’re not the only one. Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a company to get the lowest price

The best way to compare rate quotes is to realize all the major auto insurance companies allow for online access to give rate comparisons. All you need to do is give them rating details like if it has an alarm system, if you went to college, whether the vehicles are used for commuting, and how much coverage you want. That rating data gets transmitted to multiple top-rated companies and they return rate quotes instantly to find the best rate.

To compare multiple company rates now, click here and enter your coverage details.

Why you might be paying too much to insure your Subaru Impreza

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for insurance coverage. Understanding what determines base rates enables informed choices that could result in big savings.

Shown below are some of the factors insurance coverage companies consider when setting premiums.

  • An active claims history can cost you – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies provide lower rates to people who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the large, substantial claims.
  • More than one policy can earn a discount – Many insurers will give a discount to insureds who consolidate policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to shop around to verify if the discount is saving money. You may still find better rates by buying insurance from more than one company.
  • Do men or women drive better? – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Men and women tend to get into accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like reckless driving and DUI.
  • Rural vs Urban Areas – Residing in small towns and rural areas can save you money when talking about insurance coverage. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers have traffic congestion and longer commute times. More time commuting translates into higher accident risk.
  • Do you know you’re credit rating? – A driver’s credit rating is a huge factor in your rate calculation. People with good credit tend to be more responsible than those with lower credit ratings. If your credit can use some improvement, you could pay less to insure your 2013 Subaru Impreza by spending a little time repairing your credit.

Do you qualify for a discount?

Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so we break down some of the best known as well as the least known car insurance savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Impreza coverage than less cautious drivers.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
  • Homeowners Pay Less – Owning a house can save you money because maintaining a house is proof that your finances are in order.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.

Keep in mind that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck.

For a list of companies offering car insurance discounts, click this link.

What coverages do I need?

When buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different and your policy should reflect that. For example, these questions may help you determine if you would benefit from an agent’s advice.

  • Am I covered if I drive in a foreign country?
  • How much liability do I need to cover my assets?
  • What discounts do I qualify for?
  • How do I file an SR-22 for a DUI in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • If my pet gets injured in an accident are they covered?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Insurance coverage options for a Subaru Impreza

Knowing the specifics of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on most insurance policies.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, hail damage and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This protects you from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has 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 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as structural damage, medical services, medical expenses, legal defense fees and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses for ambulance fees, surgery and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru Impreza.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision insurance will pay to fix damage to your Impreza from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Be a Smart Shopper

Discount 2013 Subaru Impreza insurance can be found both online and also from your neighborhood agents, so compare prices from both to have the best selection. A few companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

You just learned quite a bit of information on how to shop for insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the lowest rates come from some of the lesser-known companies. They may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

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