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Subaru Impreza Insurance Quotes

You have lots of choices when trying to find low-cost insurance for your Subaru vehicle. You can buy from an insurance agent or get quotes online to compare rates from multiple companies. Finding cheaper car insurance online saves time, is easy to do and at the same time you may find lower rates.

Finding the best direct price on car insurance is challenging if you are a beginner to online quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes and find the best price. The simplest method to compare Impreza insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

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What factors determine your insurance rates?

Insurance premiums on a Subaru Impreza can vary widely and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • Your job
  • Insurance coverage level
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new Subaru models so the cost to replace them may end up costing you less. Although more recent Subaru vehicles have more advanced features included like a telematics system, adaptive cruise control, and anti-lock brakes which can lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Impreza from available model years below.

Liability coverage

This will cover damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Coverage for collisions

This will pay to fix damage to your Subaru resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Impreza can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper Impreza insurance quotes.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Subaru Impreza Insurance Rates?