Who Has Cheap Insurance for a Subaru Impreza in South Carolina?

The odds of finding affordable coverage for a Subaru Impreza in South Carolina depends upon a lot of factors like your date of birth, whether or not you garage your vehicle, and any prior driving offenses. South Carolina drivers pay on average $1,170 each year to insure a Subaru Impreza, but that is an approximation based on rate data for a 40-year-old single female that has full coverage and $500 deductibles.

When making auto insurance estimates, the issue arises that you are not 40 and possibly not even female, maybe you are married instead of single, and you need different coverage limits than the sample rates. Even a slight difference in price quote data could end up with a large change in policy price.

Auto insurance is unique to every driver, so your best shot at finding cheap auto insurance rates for your Subaru is to just compare rates yourself.

Cheapest Subaru Impreza Insurance Rates

The trim level of your vehicle will be a contributing factor to the cost of coverage, so the rate you will pay to insure a Impreza 2.5I 4WD Station Wagon trim level will be $270 less than the price to insure the high end Impreza WRX STI 4WD Station Wagon trim level, as shown below.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in vehicle location which can change premium rates considerably.

Picking a high-quality insurer can be a challenge considering how many companies there are in South Carolina. The company ratings in the next section could help you choose which providers to look at purchasing coverage from. These rankings are only comprised of major nationwide insurance companies, so smaller companies that only insure vehicles in South Carolina are not taken into consideration for this list.

Full coverage rates compared to liability only

Finding cheap insurance for a Subaru Impreza in South Carolina is the goal of the majority of vehicle owners, and a great way to save on the cost of insurance is to not pay for full coverage. The diagram below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no tickets, no at-fault accidents, $500 deductibles, single status, and no policy discounts are applied.

As an average, comprehensive and collision coverage on your policy costs an extra $2,210 per year over and above liability coverage. At some point, almost every driver questions when is it safe to stop buying full coverage. There is no set guideline for eliminating physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

Discount South Carolina insurance rates

Insurance providers that sell cheap insurance for a Subaru Impreza in South Carolina may also offer price discounts that can reduce rates by 25% or more if you qualify. A list of companies and their offered discounts are included below.

• GEICO includes discounts for anti-theft, driver training, air bags, anti-lock brakes, and federal employee.
• Travelers has discounts for multi-car, new car, IntelliDrive, student away at school, hybrid/electric vehicle, and continuous insurance.
• Nationwide may have discounts that include defensive driving, accident-free, business or organization, Farm Bureau membership, multi-policy, and anti-theft.
• Farmers Insurance may include discounts for youthful driver, mature driver, multi-car, early shopping, and good student.
• Esurance policyholders can earn discounts including safety device, DriveSense, Pac-12 alumni, defensive driver, multi-policy, Switch & Save, and online shopper.
• State Farm may offer discounts for good student, driver’s education, Steer Clear safe driver discount, multiple autos, and anti-theft.
• Progressive discounts include multi-policy, multi-vehicle, good student, homeowner, online signing, and online quote discount.
• Mercury Insurance offers discounts for good driver, type of vehicle, annual mileage, multi-policy, and accident-free.

The chart below illustrates the comparison of auto insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no tickets, no at-fault accidents, South Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, claim-free, safe-driver, accident-free, anti-theft, and marriage discounts applied. When drivers take advantage of discounts, the the average yearly reduction on car insurance for a Subaru Impreza is 28% or $428.

How to find low-cost insurance for a Subaru Impreza

The list below summarizes some of the recommended money-saving ideas that can help drivers find low-cost car insurance.

• At-fault accidents can raise rates significantly
• Violations like speeding or DUI increase rates
• Improve your credit rating
• If possible, pay for small claims out-of-pocket
• Get cheaper liability coverage by choosing a safer vehicle
• Keep rates low by comparing prices once a year

The last suggestion is certainly significant, as was stressed in the prior article. Car insurance rates can change in a short period of time, so don’t hesitate to change insurance companies if a better deal can be had. Having brand loyalty is commendable, but it isn’t a good idea if that loyalty results in overpaying a lot of money every month. Now is a great time to compare rates and find cheaper insurance for a Subaru Impreza.

Who has the cheapest Subaru Impreza insurance quotes?

There are many ways to find affordable car insurance in South Carolina, but the three most common ways are using an exclusive insurance agent such as Liberty Mutual or Allstate, an independent or non-exclusive agent, or from a direct company like Progressive.

All three ways can provide car insurance quotes, but car insurance shoppers should know the differences in how they price policies.

Independent agents can place your business with multiple companies and can compare rates with each one. Independent agents are not employed by one specific company and can quote rates with many companies, which may give you improved chances of finding a lower rate. If your premiums go up, your agent can switch companies and that require little work on your part.

An exclusive ageny is restricted to quoting rates for a single insurance company, two examples being a State Farm or Allstate agent. Exclusive agents generally are unable to quote rates from more than one company, so you will not be able to compare multiple prices.

Direct car insurance buyers skip an independent or exclusive agent and buy buying direct from a company like Geico or Progressive. This car insurance option may be a decent choice people who have lower risk management needs and have a decent understanding of the limitations of their policy.

Out of those three methods, which one works best to buy cheap insurance for a Subaru Impreza in South Carolina? Most drivers assume that buying direct results in the cheapest price because you bypass the middleman, but unfortunately, that is not the case. A good argument could also be made that going through an independent agent guarantees the lowest rates due to increased selection, but that assumption is also not necessarily accurate. In the right set of circumstances, exclusive agencies have extremely competitive rates that other companies cannot beat.

Since car insurance prices are based on many different factors, the best method to ensure the lowest rates is to compare rate quotes from as many companies as possible. Put in the effort to get prices from all three to give yourself plenty of rates to compare. To see some of the cheapest online companies available, click here to view.