How Much Does 2014 Subaru Impreza Car Insurance Cost?

Want lower insurance rates? Drivers have a choice when trying to find affordable Subaru Impreza insurance. You can either waste hours struggling with agents getting price quotes or use the internet to compare rates. There is a better way to compare insurance rates and you need to know the best way to compare rates on a Subaru and find the cheapest rates from local insurance agents and online providers.

The method we recommend to get policy rate comparisons is to realize most of the larger companies actually pay money for the chance to give rate comparisons. To get started, all you need to do is provide a little information including if you require a SR-22, any included safety features, an estimate of your credit level, and driver ages. Those rating factors is instantly provided to multiple insurance providers and they respond with quotes immediately.

Cut your premium with discounts

Companies don’t necessarily list all available discounts in an easy-to-find place, so here is a list some of the more common and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
  • One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Memberships – Participating in certain professional organizations may earn a discount when shopping for insurance coverage for Impreza insurance.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Accident Free – Good drivers with no accidents can save substantially when compared with drivers who are more careless.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of insurance companies with the best insurance coverage discounts, click here.

What is the best insurance coverage?

When choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Is my camper covered by my car insurance policy?
  • Can I afford to buy a different vehicle if my 2014 Subaru Impreza is totaled?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will my rates increase for filing one claim?
  • What is UM/UIM insurance?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Parts of your insurance policy

Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, colliding with a tree, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hail damage, hitting a deer and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Subaru Impreza.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability coverages

This protects you from damage that occurs to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like medical services, attorney fees, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like dental work, nursing services, pain medications, doctor visits and hospital visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay