Lower Your 1998 Subaru Impreza Insurance Rates

Finding cheaper insurance for a new or used Subaru Impreza can be a lot of work, but you can use these tips and make it easy. There is a better way to buy car insurance and we’ll show you the absolute fastest way to quote coverages for a Subaru and locate the lowest possible price from local insurance agents and online providers.

Choosing the best insurance company for you is not that difficult. If you have insurance now or are shopping for new coverage, you can follow these tips to find better prices and still get good coverage. Drivers only need an understanding of the best way to find the lowest price online.

How to get car insurance price quotes

All major car insurance companies allow you to get coverage prices from their websites. Getting prices online is quite easy because you just enter your required coverages into a form. After you submit the form the quote system will order your driving and credit reports and gives you a price quote.

Being able to quote online makes it a lot easier to compare rates but the time it takes to visit many different websites and type in your information gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you want to get the lowest possible prices on car insurance.

The better way to compare rates

A more efficient way to compare rates uses one simple form that analyzes rates from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable. As soon as you send your information, it is rated and you can choose any or none of the quote results. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The entire process just takes a couple of minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended that you enter the coverages identical to your current policy. Doing this guarantees you are getting a rate comparison using the exact same coverages.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might help in determining if you would benefit from professional advice.

  • Do I have coverage when making deliveries for my home business?
  • What happens if I owe more than my 1998 Subaru Impreza is worth?
  • What is covered by UM/UIM coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can I get a multi-policy discount?
  • Is pleasure use cheaper than using my 1998 Subaru Impreza to commute?
  • Does my personal policy cover me when driving out-of-state?
  • Does my insurance cover my expensive audio equipment?
  • Do all my vehicles need collision coverage?
  • How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Auto insurance 101

Understanding the coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Subaru Impreza.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverages – This covers damage to your Impreza caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, a broken windshield, vandalism, hitting a deer and falling objects. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like chiropractic care, nursing services and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance – This coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as repair costs for stationary objects, loss of income and medical services. How much coverage you buy is a personal decision, but buy higher limits if possible.