Cheap 1999 Subaru Impreza Insurance Rates

Are you sick and tired of being strong-armed to pay auto insurance each month? You are in the same boat as millions of other drivers. Big-name insurance companies like Allstate, Liberty Mutual and State Farm constantly bombard you with ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

It’s a great practice to get comparison quotes periodically because auto insurance prices are constantly changing. Even if you got the lowest price on Impreza coverage six months ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use online quotes to find better coverage at a better price.

If you have insurance now or are just looking to switch companies, you can follow these tips to shop for the lowest rates and still get good coverage. Buying car insurance is not that difficult. Drivers only need an understanding of the proper methods to compare rates on the web.

The quickest method to compare insurance rates in your area is to realize most of the larger companies participate in online systems to give you rate quotes. The only thing you need to do is give them rating details such as if you have a valid license, how much you drive, your job, and whether you drive to work or school. That rating information is automatically sent to all major companies and you should receive rate quotes with very little delay.

To compare multiple company rates now, click here then complete the form.

You may qualify for discounts

Some providers don’t necessarily list every available discount very well, so the next list breaks down a few of the more well known and the more hidden discounts that you may qualify for.

  • Clubs and Organizations – Being a member of qualifying clubs or civic groups can get you a small discount on your policy.
  • Government Employees – Active or former government employment can save as much as 8% on Impreza coverage depending on your company.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote on Impreza coverage than their less cautious counterparts.
  • Service Members Pay Less – Being on active duty in the military can result in better premium rates.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
  • Accident Waiver – This isn’t a discount exactly, but some insurance companies will let one accident slide without raising rates so long as you are claim-free for a specific time period.
  • Distant College Student Discount – Any of your kids who are enrolled in higher education away from home and don’t have a car can receive lower rates.
  • Paperwork-free – Many companies will give you a small discount get auto insurance on the internet.

It’s important to note that most credits do not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.

Larger car insurance companies and their offered discounts are shown below.

  • State Farm may have discounts that include Steer Clear safe driver discount, safe vehicle, multiple autos, good driver, and multiple policy.
  • Progressive may include discounts for online signing, online quote discount, multi-vehicle, continuous coverage, homeowner, multi-policy, and good student.
  • Progressive includes discounts for multi-policy, online signing, multi-vehicle, continuous coverage, homeowner, and good student.
  • MetLife discounts include defensive driver, claim-free, good driver, good student, multi-policy, and accident-free.
  • Farm Bureau offers discounts for multi-policy, renewal discount, safe driver, good student, and multi-vehicle.
  • Geico offers premium reductions for multi-vehicle, air bags, anti-theft, multi-policy, and federal employee.
  • SAFECO may offer discounts for teen safe driver, accident prevention training, safe driver, anti-theft, bundle discounts, and drive less.

Double check with every company which discounts can lower your rates. Depending on the company, some discounts may not be offered in your area.

There’s no such thing as the perfect insurance coverage policy

When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

  • What is no-fault insurance?
  • What is the difference between comprehensive and collision coverage?
  • If I drive on a suspended license am I covered?
  • Do I need higher collision deductibles?
  • Will I lose any money if I cancel my policy before it expires?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Informed consumers save on insurance

Many different elements are considered when premium rates are determined. Some of the criteria are obvious such as traffic violations, although some other factors are not as apparent such as whether you are married or your financial responsibility.

  • Policy add-ons may be wasting money – Insurance policies have a lot of add-on coverages that you can buy on your auto insurance policy. Insurance for things like personal injury protection, high-cost glass coverage, and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but if you have no use for them remove them from your policy.
  • Cars with good safety ratings cost less to insure – Cars with high safety ratings cost less to insure. These vehicles reduce injuries and any reduction in injury severity means your insurance company pays less which can mean better rates for you.
  • Lower rates come with age – Mature drivers have been proven to be more responsible, tend to file fewer claims , and usually have better credit.Drivers with little experience are statistically shown to be inattentive and easily distracted with other occupants in the car therefore auto insurance rates are much higher.
  • Optional features can affect auto insurance rates – Driving a car with advanced anti-theft systems can earn a premium discount. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent vehicle theft.
  • Drivers with high credit save – Having a bad credit score is a large factor in your rate calculation. If your credit can be improved, you could save money insuring your 1999 Subaru Impreza by improving your rating. Insureds that have excellent credit tend to be more responsible than those with bad credit.
  • Prices and vocation – Did you know your auto insurance rates can be affected by your occupation? Jobs like fire fighterspolice officers and dentists tend to pay higher premiums than the average policyholder attributed to high stress levels and lengthy work days. Other jobs such as farmers, athletes and homemakers pay the least on Impreza coverage.
  • Your gender affects prices – Statistics show women are more cautious behind the wheel. It does not mean women are better drivers. Both genders cause at-fault accidents at about the same rate, but the men tend to have more serious accidents. In addition to higher claims, males also receive more costly citations like DWI (DUI) or reckless driving.
  • Save by driving less – The more you drive your Subaru in a year the higher the price you pay to insure it. Most insurance companies apply a rate based upon how the vehicle is primarily used. Cars that sit idle most of the time cost less to insure than those used for commuting. Ask your agent if your policy shows how each vehicle is driven. Improper usage on your Impreza can cost quite a bit.

Auto insurance coverage breakdown

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the normal coverages available from auto insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, falling objects, rock chips in glass and hail damage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as loss of income, attorney fees and funeral expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Subaru Impreza.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

This covers damage to your Impreza caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like doctor visits, pain medications and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

A little work can save a LOT of money

The cheapest 1999 Subaru Impreza insurance is definitely available both online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not offer internet price quotes and most of the time these regional carriers prefer to sell through independent agencies.

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. Too many times, drivers have reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at an affordable rate and still be able to protect your assets.

In this article, we presented a lot of tips how to shop for 1999 Subaru Impreza insurance online. The key thing to remember is the more companies you get car insurance rates for, the higher your chance of finding inexpensive auto insurance. You may be surprised to find that the best price on insurance coverage is with the smaller companies. These smaller insurers can often provide lower car insurance rates in certain areas than their larger competitors like State Farm or Progressive.

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