Subaru Impreza Drivers Get the Lowest Auto Insurance Rates

Consumers have a choice when looking for low-cost Subaru Impreza insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to compare rates.

There are more efficient ways to buy auto insurance so you’re going to learn the best way to price shop coverage on a Subaru and find the lowest price from both online companies and local agents.

The purpose of this article is to instruct you on the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. But drivers do need to learn how the larger insurance companies market insurance on the web.

Subaru Impreza insurance premiums are calculated by many factors

Consumers need to have an understanding of some of the elements that come into play when calculating your auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that will entitle you to lower auto insurance prices.

The list below includes a partial list of the pieces auto insurance companies consider when setting prices.

• Do you have enough liability coverage? – Liability coverage will protect you in the event that a court rules you are at fault for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
• How’s your driving record? – Just one ticket may increase your cost twenty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who have dangerous citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
• Always keep insurance in force – Having an insurance coverage lapse will be a sure-fire way to pay more for auto insurance. Not only will you pay more, getting caught without coverage might get you a steep fine or even jail time.
• Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
• Older drivers pay less – Older insureds tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Young drivers are statistically proven to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.

Compare Auto Insurance Today

To find the best auto insurance prices, there are several ways of comparing price quotes from local auto insurance companies. By far the easiest way to find the lowest Subaru Impreza rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

• The recommended way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This form eliminates the need for a different quote for every auto insurance company. One form gets you coverage quotes . Just one form and you’re done.
• A different way to get quotes online is to manually visit each company website and complete a new quote form. For sake of this example, let’s assume you want comparison quotes from Allstate, Farmers and GMAC. To find out each rate you need to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverage information with every price quote. If you have mixed coverages you can’t possibly find the best deal for your Subaru Impreza. Slightly different insurance coverages may result in large price differences. Keep in mind that getting more free quotes will improve the odds of getting better pricing.

Are you falling for claims of savings?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. They all seem to say the same thing that you can save if you switch your coverage to them. But how can every company make the same claim? It’s all in the numbers.

Different companies have a certain “appetite” for the right customer that is profitable for them. An example of a driver they prefer could be between 25 and 40, has no driving citations, and chooses high deductibles. Any new insured who meets those qualifications will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who fall outside this ideal profile will be quoted higher prices which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently state the savings.

This emphasizes why it’s extremely important to compare as many rates as you can. You cannot predict which insurance companies will have the lowest rates.

More discounts equal less premium

The cost of insuring your cars can be expensive, but you can get discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be specially asked for prior to receiving the credit.

• Homeowners Savings – Owning a home may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
• Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
• Bundle and Save – When you combine your home and auto insurance with one insurance company you may save at least 10% off all policies.
• Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
• Senior Discount – Older drivers may receive reduced rates on Impreza insurance.

It’s important to understand that some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky. But all discounts will bring down your overall premium however.

Keep this in mind

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Discount Subaru Impreza insurance can be sourced from both online companies and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.

We covered many ideas to lower your Subaru Impreza insurance rates. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the most savings is with the least-expected company.