Cheapest Insurance Quotes for a Subaru Impreza in Idaho

Because the topic is car insurance, the words “cheap” or “affordable” should not be used anywhere to describe car insurance prices. Forgive the oxymoron, but cheap auto insurance for a Subaru Impreza can be extremely hard to find. But don’t despair, because we will teach you how you can quote and buy car insurance that most people can afford.

The likelihood of finding the cheapest insurance for a Subaru Impreza in Idaho depends on lots of different rating factors like the safety rating for your Impreza, whether or not you are currently insured, and citations or violations on your driving record. Idaho drivers on average pay around $800 per year to insure their Impreza, but that rate is an approximation based upon a 50-year-old single female who requires full coverage and $250 deductibles.

When making auto insurance estimates, the issue arises that you are not exactly 50 years old and possibly not even female, married instead of single, or maybe your Impreza is old enough that it doesn’t require full coverage. Every auto insurance policy is unique to the driver, so the most reliable way to find the most affordable coverage for your Subaru is to do the rate comparisons yourself. To cut your rates now, get a free quote and you will get price quotes from some of the best insurers that insure Subaru vehicles in Idaho.

Save Now on Impreza Insurance

Your vehicle’s trim level can impact the insurance rate, so the price to insure a Impreza 2.5I 4WD Station Wagon trim level will be $202 less expensive the price to insure the higher-priced Impreza WRX STI 4WD Station Wagon version, as demonstrated by the prices below.

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can revise prices considerably.

Finding the best company is hard considering how many different companies there are to choose from in Idaho. The company ratings shown below can help you decide which coverage providers you want to consider when looking for cheaper rates. The ratings below are for large nationwide companies, so smaller regional companies are not factored into the list.

Impact of careless driving on Idaho auto insurance rates

The ideal way to earn cheap auto insurance prices in Idaho for an Impreza is to drive cautiously and avoid tickets and accidents. The illustration below highlights how speeding tickets and at-fault fender-benders impact insurance prices for each different age category. The data assumes a married male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of car insurance per year with no accidents and a clean driving record is $1,144. Get one speeding ticket and the average cost swells to $1,315, an increase of $171 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Subaru Impreza increases to an average of $1,792. That’s an increase of $648, or $54 per month, just for not driving safely!

Cost difference between full coverage and liability

Finding the cheapest insurance for a Subaru Impreza in Idaho is important to most vehicle owners, and one way to pay less for insurance is to only buy liability insurance. The information below compares premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no claims or violations, $1,000 deductibles, drivers are single, and no other discounts are factored in.

As an average, full coverage costs $1,179 per year more than buying just liability insurance. At some point, about every driver wonders when is the right time to remove full coverage. There is no definitive rule that works best for making the decision to drop comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

There are some scenarios where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

How to find budget-friendly insurance for a Subaru Impreza

The list below details some money-saving suggestions that can help drivers buy more affordable car insurance.

• Clean up your credit
• Buying home and auto insurance together can earn discounts
• Vehicles with safetly features generally cost less to insure
• Do not pay for comprehensive and collision coverage on older vehicles
• Staying accident-free helps keep rates low
• Compare prices as often as possible

The last tip in the list is particularly important, as we emphasized in this article. Rates in Idaho fluctuate constantly, so drivers shouldn’t hesitate to change insurance companies if a better deal can be had. Loyalty to a specific company is fine, but it’s not recommended if that stubbornness costs you potentially thousands of dollars a year. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for a Subaru Impreza.

Allstate, State Farm, Progressive, or Geico: Which is best?

When comparing insurance for an Impreza, four companies to definitely compare rates with are Allstate, State Farm, Progressive, and Geico. The table below breaks down pricing and service ratings, plus some optional coverages that may be available in your state.

Cheapest Subaru Impreza insurance quotes

Consumers have many ways to get affordable auto insurance quotes in Idaho, but the most common methods are from an exclusive insurance agent such as Auto-Owners or State Farm, an independent insurance agent, or buying direct from a company like Progressive or Geico. They all have the same end result, but auto insurance buyers need to understand the differences in how they price policies.

Independent insurance agencies can place your business with multiple companies and can quote your policy with all of them. Agents of this type have the option to quote rates with many companies, which may provide you with the best chance of finding a lower price. If cheaper coverage is found, it’s easy for the agent to move the policy which prevents you from having to find a new agency.

An exlusive, or captive, agency is only able to place business with a single company, two of the more popular are Allstate and Liberty Mutual agents. These agents are not able to provide rates from more than one company, so if rates are not competitive, they cannot give other choices.

Opting to purchase auto insurance direct means you skip either of the other two types of agents and instead shop direct from companies such as Geico or Esurance. Buying auto insurance direct is a good choice for families who have an average risk profile and have an above average understanding of what auto insurance covers.

So comparing independent agents, exclusive agents, and direct, which one works best to buy the cheapest insurance for a Subaru Impreza in Idaho? The majority of people assume that buying direct yields the cheapest rates because there isn’t an agent involved, but in reality, that is not the case. A valid argument could also be made that buying from an independent agent guarantees the best prices due to having more companies to select from, but that assumption is also not necessarily accurate. In many circumstances, exclusive agents have really good rates that other companies cannot beat.

Since auto insurance prices vary so much, the one way to buy the cheapest coverage is to compare, compare, and compare some more. The ideal approach is to get prices from all three types in order to have the best selection to choose from. For a list of companies with some of the cheapest Idaho auto insurance rates, click here to view.