1995 Subaru Impreza Insurance Quotes – 7 Discounts for Cheapest Rates

Searching for better auto insurance rates? Consumers have a choice when looking for low-cost Subaru Impreza insurance. They can either waste time struggling with agents to compare prices or use the internet to get rate quotes.

There is a right way and a wrong way to shop for auto insurance so you’re going to learn the best way to get price quotes for a Subaru and find the best price possible.

Cheapest car insurance price quotes

Cutting your car insurance rates doesn’t have to be difficult. The only requirement is to spend a few minutes comparing rate quotes to see which company has low cost insurance quotes. This can be accomplished in several different ways.

  1. One of the best ways to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method saves time by eliminating repetitive form submissions for each price estimate. One form submission will get you rate comparisons from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A more difficult way to find more affordable insurance consists of going to each company website to complete a price quote. For example, we’ll pretend you want to view quotes from Allstate, Safeco and Liberty Mutual. To get each rate you have to go to each individual site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Compare rates however you want, just do your best to enter equivalent quote information on every price quote you get. If you use different limits and deductibles on each one then you won’t be able to truly determine the lowest rate.

Take these seven policy discounts and save

Insurance coverage is not an enjoyable expense, but you might be missing out on some discounts that can drop the cost substantially. Some of these disounts will be visible when you purchase, but a few need to be specially asked for prior to receiving the credit.

  • Low Mileage Discounts – Fewer annual miles on your Subaru could qualify for better insurance coveragerates on cars that stay parked.
  • Policy Bundle Discount – If you insure your home and vehicles with the same company you could earn a discount of at least 10 to 15 percent or more.
  • One Accident Forgiven – but certain companies will let one accident slide before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
  • Onboard Data Collection – Drivers who elect to allow driving data submission to look at when and where they use their vehicle remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.
  • Paper-free Discount – Some companies give back up to $50 shop insurance online.
  • Lower Rates for Military – Having an actively deployed family member can result in better prices.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

A list of companies and a selection of discounts include:

  • Geico may offer discounts for emergency military deployment, daytime running lights, driver training, seat belt use, and anti-lock brakes.
  • Mercury Insurance policyholders can earn discounts including good driver, age of vehicle, accident-free, annual mileage, multi-policy, professional/association, and type of vehicle.
  • Farmers Insurance offers discounts including switch companies, electronic funds transfer, pay in full, bundle discounts, and homeowner.
  • Auto-Owners Insurance has savings for student away at school, safe driver, anti-lock brakes, multiple vehicles, teen driver, and paperless.
  • Liberty Mutual offers premium reductions for new graduate, hybrid vehicle, newly retired, preferred payment discount, and good student.
  • SAFECO offers discounts for anti-theft, homeowner, bundle discounts, teen safety rewards, multi-car, accident prevention training, and safe driver.
  • Progressive discounts include online signing, good student, multi-policy, multi-vehicle, continuous coverage, and homeowner.
  • USAA may have discounts that include vehicle storage, safe driver, military installation, multi-policy, defensive driver, and multi-vehicle.

If you are trying to find cheap insurance quotes, ask each company to give you their best rates. Savings may not apply to policies everywhere. If you would like to choose from a list of insurance companies who offer discounts, click this link.

Which policy gives me the best coverage?

When choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • Does my policy cover my teen driver if they drive my company car?
  • Does liability extend to a camper or trailer?
  • What are the financial responsibility laws in my state?
  • Is motorclub coverage worth it?
  • Does insurance cover damages from a DUI accident?
  • Does my 1995 Subaru Impreza qualify for pleasure use?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive car insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, fire damage, theft and vandalism. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision coverage will pay to fix damage to your Impreza from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Coverage for liability – This protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like emergency aid, loss of income, court costs and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like hospital visits, prosthetic devices and chiropractic care. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Do the work, save more money

Budget-friendly insurance can be purchased on the web and from local insurance agents, so you should compare both to have the best rate selection. Some companies do not offer online quoting and usually these regional insurance providers work with independent insurance agencies.

People switch companies for many reasons like not issuing a premium refund, an unsatisfactory settlement offer, denial of a claim and questionable increases in premium. Regardless of your reason, choosing a new insurance company can be less work than you think.

When getting insurance quotes online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced full coverage to discover at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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