How Much Does 2016 Subaru Impreza Car Insurance Cost?

Trying to find cheaper insurance for a Subaru Impreza can turn out to be an all-consuming task, but you can use our insurance buying tips to save time.

There is a better way to find insurance online and you need to know the absolute fastest way to quote coverages for your Subaru and get the best price possible from local insurance agents and online providers.

You should make it a habit to do price comparisons yearly because rates are usually higher with each renewal. If you had the lowest rate for Impreza coverage last year you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re about to learn the best methods to find lower rates on insurance.

Discounts for lower-cost auto insurance quotes

Some insurers don’t necessarily list every available discount in an easy-to-find place, so we break down some of the best known and the harder-to-find credits available to you.

  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving could save 15% off the medical payments premium.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.
  • Early Renewal Discounts – Some larger companies provide a discount for switching policies early. This discount can save up to 10%.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Impreza coverage.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Larger auto insurance companies and some of the premium reductions they offer can be found below.

  • American Family policyholders can earn discounts including TimeAway discount, defensive driver, good driver, Steer into Savings, and bundled insurance.
  • State Farm offers discounts including passive restraint, Steer Clear safe driver discount, good driver, multiple policy, and good student.
  • 21st Century may offer discounts for early bird, 55 and older, teen driver, air bags, and automatic seat belts.
  • Travelers has discounts for continuous insurance, multi-policy, good student, new car, and hybrid/electric vehicle.
  • GEICO may include discounts for multi-vehicle, membership and employees, multi-policy, federal employee, good student, emergency military deployment, and anti-theft.

If you are trying to find cheap auto insurance quotes, ask each insurance company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policies in your area.

You may need specialized insurance coverage coverage

When it comes to buying coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • Is extra glass coverage worth it?
  • Do I need motorclub coverage?
  • When can my company non-renew my policy?
  • What is high-risk coverage and where do I buy it?
  • If my pet gets injured in an accident are they covered?
  • When should I buy a commercial auto policy?
  • Am I covered when using my vehicle for business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I get a multi-policy discount?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Advertising and insurance

Consumers can’t ignore all the ads that promise big savings for switching from companies such as State Farm, GEICO and Progressive. They all seem to have a common claim that you’ll save big if you just switch your insurance coverage to their company.

How can each company give you a lower rate? Here is the trick they use.

Insurance providers have underwriting criteria for the driver that earns them a profit. A good example of a profitable customer could possibly be over the age of 40, carries full coverage, and chooses high deductibles. Any driver that fits those parameters may get the lowest prices and therefore will save quite a bit of money when switching.

Potential customers who are not a match for the “perfect” profile will be charged higher premium rates and ends up with the customer not buying. The trick is to say “customers that switch” but not “all drivers who get quotes” save the amount stated. That is how companies can truthfully make those claims.

This illustrates why you really need to compare many company’s prices. It’s just too difficult to predict with any certainty which company will have the lowest premium rates for your situation.

Specific coverage details

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses like pain medications, X-ray expenses, EMT expenses and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

Collision coverage will pay to fix damage to your Impreza resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, hitting a mailbox, hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Liability

Liability insurance will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability 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. You commonly see liability limits of 100/300/100 which stand for 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. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage, repair costs for stationary objects, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, falling objects and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

In conclusion

In this article, we covered many ways to shop for 2016 Subaru Impreza insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest auto insurance rates come from a company that doesn’t do a lot of advertising.

Lower-priced car insurance can be bought on the web and from local agencies, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some car insurance companies may not provide rate quotes online and these small insurance companies only sell coverage through independent agents.

Drivers switch companies for a variety of reasons including policy cancellation, extreme rates for teen drivers, high rates after DUI convictions and questionable increases in premium. It doesn’t matter why you want to switch finding a new company can be pretty painless.

Additional information