Cheap Insurance Quotes for a Subaru Impreza in Illinois

Our editors always tell us that when writing about auto insurance, the words cheap or affordable should not appear anywhere to describe car insurance rates. The fact is, cheap car insurance for a Subaru Impreza is pretty hard to find. Don’t get your dauber down, because there may be ways you can find coverage that doesn’t break your budget.

Your chances of buying cheap coverage for a Subaru Impreza in Illinois is contingent on a complex formula that considers things such as your marital status, where you live, and if you have tickets or violations. Drivers in Illinois pay on average $970 each year for Impreza insurance, but that policy rate is a projection rating a 50-year-old single female that included full comprehensive and collision coverage and $100 policy deductibles.

But there is a good chance that you may not be 50 years old (or even female), maybe you are married instead of single, or you need different deductibles. Even a slight change in policy rating factors may result in significant differences in the policy rate.

Auto insurance is not the same for everyone, so the best method for finding affordable rates for your Subaru is to compare rates from as many companies as possible.

View Subaru Impreza Insurance Rates

The specific model of Impreza will most likely have an effect on the yearly cost, so the price you will pay to insure a Impreza 2.5I 4WD Station Wagon model will be $262 cheaper than the cost to insure the more well-appointed Impreza WRX STI 4WD Station Wagon model, as shown in the table below.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in your specific Illinois location which can modify prices significantly.

Deciding which company has the best insurance rates for a Subaru Impreza may require a bit more work than just comparing a company or two.

Each auto insurance company uses their own calculation for setting rates, so we’ll take a look at the most budget-friendly insurance companies in Illinois. It’s important that readers know that Illinois insurance rates are impacted by many things that control the cost of your policy. Simply improving your credit, buying a different home, or having an accident can cause premium changes that can now make some companies cheaper than others.

Best Car Insurance Prices for Your Impreza

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The Hartford quotes some of the best car insurance rates in Illinois at around $746 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance would also be considered some of the more affordable Illinois insurance companies.

In this example, if you are insured with Titan and switched to The Hartford, you could realize an annual premium reduction of approxmiately $140. Policyholders with Erie could save as much as $168 a year, and Cincinnati Insurance policyholders might lower prices by up to $178 a year.

These premiums are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific rate factor for a Subaru Impreza. So the auto insurance company that has the lowest price for you may not even be shown in the company chart above. That’s why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

The chart below demonstrates how choosing different deductibles can influence insurance premiums when researching cheap insurance for a Subaru Impreza. The price estimates are based on a single male driver, full coverage, and no policy discounts are applied.

The chart above illustrates that a 30-year-old driver could lower their policy premium by $384 a year by switching from a $100 deductible up to a $500 deductible, or save $578 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could shave as much as $1,132 every year just by choosing higher deductibles.

When increasing deductibles, it will be important to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Who has the cheapest Impreza insurance?

Illinois insurance rates are based on many factors that control the cost of having a policy. Simply turning a year older, moving to a different location, or getting a ticket for careless driving can trigger rate changes that can cause some rates to be more affordable than others.

In addition to those changes, companies change rates every year to adjust for heavy claims or excess profits. Unexpectedly high claims may cause a rate increase, while less frequent claims can result in more affordable Impreza insurance rates.

The graph below compares the cheapest car insurance in Illinois for a 35-year-old female driver with a clear driving record, no claims, and good financial standing. When quoting prices based on her current risk profile, The Hartford may offer the lowest car insurance rates in Illinois at $746 each year. This is $603 less than the average policy premium paid by Illinois drivers of $1,349. Rockford Mutual, Erie, Titan, and Cincinnati Insurance are the remaining cheapest Illinois auto insurance companies.

Now we will give the driver from the first set of rates a couple of claims, a little lower credit rating, and a couple of points charged on her driving record. Because each insurer has their own formula to set policy rates, getting updated rate quotes will most likely result in a different ranking of companies as shown below.

Travelers now has the cheapest auto insurance in Illinois with State Farm, Utica National, SECURA, and Auto-Owners completing the list. This example shows why it is crucial to perform an extensive rate comparison when trying to find the most affordable insurance rates for a Subaru Impreza.

Insurance rates can be altered by many different factors and change substantially, so the most economical option three years ago may now be quite expensive.

Tips for finding cheaper insurance for a Subaru Impreza

Here are some of the recommended money-saving suggestions that can help Illinois drivers find cheap car insurance.

• Drivers with good credit ratings often pay less
• Drive safe vehicles
• Increase your deductibles
• Drive attentively and avoid accidents
• Speeding tickets and other violations increase rates
• Compare quotes from other companies often

That last tip is remarkably important, as we hit on in the prior information. Car insurance rates change a lot, so don’t be afraid to buy from a new company if you can save money.

Many drivers have brand loyalty and that’s fine, but it’s not a great idea if your bullheadedness ends up costing you potentially thousands of dollars a year. Take a few minutes and shop around to find cheaper insurance for a Subaru Impreza.