Cheap 1993 Subaru Impreza Car Insurance Quotes

Want cheaper auto insurance rates for your Subaru Impreza? No car owner looks forward to buying auto insurance, especially when they know the cost is way too high.

With consumers having so many options, it’s difficult to find a lower cost auto insurance provider.

How to buy auto insurance online

When shopping for affordable insurance quotes, there are a couple of ways of comparing rates from many different insurance companies. One of the best ways to find the cheapest 1993 Subaru Impreza insurance rates consists of obtaining rate quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

  1. The fastest way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This quick form prevents you from having to do a different quote for each company you want a rate for. Just one form gets you coverage quotes from all major companies.
  2. A more difficult way to shop for auto insurance online requires visiting the website of each company to request a price quote. For instance, let’s assume you need rates from Geico, Safeco and Travelers. You would have to spend time on each company’s site and enter your information, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure you’re using identical coverages and limits on every quote you get. If you use different values for each quote it’s not possible to truly determine the lowest rate. Slightly different coverages may result in a large different in cost. Just keep in mind that making a lot of price comparisons will improve the odds of getting the best price.

Switch companies and save? Really?

Progressive, Geico, Allstate and State Farm endlessly run ads in print and on television. All the companies seem to make the promise that drivers will save a bundle if you change your auto insurance policy to them. It sounds good, but how can they all offer drivers better rates? This is the way they can do it.

All companies quote the lowest rates for the type of driver that will generate a profit. An example of a preferred risk might be over the age of 40, has never had a claim, and chooses high deductibles. Any person that hits that “sweet spot” may get the lowest premium rates and most likely will cut their rates if they switch.

People who fall short of those criteria will have to pay higher premium rates which results in the customer not purchasing. The ad wording is “customers who switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can state the savings.

This really drives home the point why you really should compare price quotes frequently. Because you cannot predict with any certainty which company will fit you best based on your risk profile.

What impacts Subaru Impreza insurance prices?

Many things are considered when you get your auto insurance bill. Most are fairly basic like an MVR report, but other factors are less obvious like your vehicle usage or your financial responsibility.

  • Mature drivers save more – Beginning drivers have a tendency to be more careless when driving therefore car insurance rates are much higher. More experienced drivers are shown to be more cautious, cause fewer claims and accidents and are safer drivers.
  • Cheaper rates by combining – Most insurers will give a discount to clients that have more than one policy such as combining an auto and homeowners policy. Even with this discount, you still need to shop around to help ensure you have the lowest rates. You may still save even more by buying from different companies
  • Improve your credit history – Having a bad credit rating factor in calculating your car insurance rates. So if your credit rating can be improved, you could pay less to insure your 1993 Subaru Impreza by repairing your credit. Insureds with very high credit ratings tend to be less risk to insure than those with poor credit.
  • Deter theft and pay less – Choosing to buy a car with anti-theft technology or alarm system can save you some money. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your vehicle from being stolen.
  • High car insurance claims frequency drives up premiums – Companies provide lower rates to policyholders who do not file claims often. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Your car insurance is intended for larger claims.
  • Cautious drivers pay lower premiums – Even a single chargable violation can increase rates by twenty percent. Drivers who don’t get tickets pay lower auto insurance prices as compared to those with violations. Drivers who have multiple violations like hit and run, DWI or reckless driving convictions may find they need to complete a SR-22 with their state’s licensing department in order to legally drive.
  • Raise your comp and collision deductibles for better costs – Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Examples of some claims that would be covered would be a broken windshield, hail damage, and windstorm damage. The deductibles you choose define the amount you are required to spend out-of-pocket if the claim is covered. The more damage repair cost you have to pay, the lower your rates will be for Impreza coverage.
  • If you don’t need it don’t buy it – Insurance companies have many extra coverages you can purchase on your 1993 Impreza policy. Coverages like roadside assistance, towing, and term life insurance may be wasting your money. They may sound like good ideas when buying your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.

Find hidden discounts to get affordable car insurance quotes

Some insurers don’t always list every discount very clearly, so the list below details a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online.

  • Theft Deterent Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Early Renewal Discounts – A few insurance companies offer discounts for switching policies prior to your current policy expiration. It could save around 10% when you buy insurance online.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Impreza coverage.
  • Payment Method – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
  • Discounts for New Vehicles – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Active Service Discounts – Being on active deployment in the military could trigger a small discount.

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Even though the math looks like you can get free auto insurance, company stockholders wouldn’t be very happy. Any qualifying discounts should help lower your premiums.

To choose car insurance companies who offer cheap car insurance quotes, follow this link.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether you could use an agent’s help.

  • Is my trailer covered?
  • Can I afford to buy a different vehicle if my 1993 Subaru Impreza is totaled?
  • How can I get high-risk coverage after a DUI?
  • Do I need to file an SR-22 for a DUI in my state?
  • I have a DUI can I still get coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Are there companies who specialize in insuring high-risk drivers?
  • How much can I save by bundling my policies?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Coverage specifics

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Subaru Impreza.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverages

This protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like structural damage, attorney fees and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your Impreza from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for X-ray expenses, prosthetic devices, funeral costs, EMT expenses and doctor visits. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, falling objects, hitting a deer, hail damage and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Final thoughts

While you’re price shopping online, never sacrifice coverage to reduce premiums. Too many times, someone sacrificed full coverage and discovered at claim time they didn’t have enough coverage. The goal is to get the best coverage possible at the best price, not the least amount of coverage.

Throughout this article, we presented a lot of information how to shop for 1993 Subaru Impreza insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of getting cheap insurance. Drivers may discover the lowest auto insurance rates come from an unexpected company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

Low-cost 1993 Subaru Impreza insurance can be found online and from local agencies, so you should compare both in order to have the best price selection to choose from. There are still a few companies who don’t offer internet price quotes and most of the time these small, regional companies provide coverage only through independent agencies.

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