Cheap 2002 Subaru Impreza Car Insurance Quotes

Searching for cheaper car insurance rates for your Subaru Impreza? There isn’t anyone who looks forward to buying car insurance, particularly when it costs too dang much.

Because there are so many companies and agents to choose from, it’s difficult to choose the most affordable insurer.

It’s a good idea to compare rates on a regular basis because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best quotes on Impreza coverage a couple years back other companies may now be cheaper. Block out anything you think you know about car insurance because we’re going to demonstrate the only way to find the best coverage while lowering your premiums.

The purpose of this article is to help you learn the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you will be able to cut costs considerably using these methods. But car owners can benefit by having an understanding of the way companies market insurance on the web because it can help you find the best coverage.

How to shop car insurance online

There are several ways to obtain and compare prices from different insurance companies. The easiest way by far to compare 2002 Subaru Impreza insurance prices involves getting comparison quotes online. This is very easy and can be done by using one of the methods below.

The single most time-saving way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate quotation requests for every car insurance company. Just one form will get you rate comparisons from several companies.

A slightly less efficient method to analyze rates is to take the time to go to each company website and go through the quote process again. For example, we’ll pretend you want to compare Allstate, Farmers and Geico. In order to get each rate, you would have to visit each site and repeatedly type in your coverage information, which can get old fast. To view a list of companies in your area, click here.

The last way to price shop rates is going to and from local insurance agencies. Comparing rates online eliminates the middleman unless you prefer the extra assistance that only an agent can give. Although you can find lower rates online but have a local agent actually write the policy.

It’s up to you which method you use, but make sure you compare equivalent coverage information on every quote you get. If each company quotes differing limits it will be next to impossible to get a fair rate comparison. Quoting even small variations in insurance coverages can make a big difference in price. And when comparison shopping, comparing more quotes increases the change that you will find lower pricing.

These discounts can cut insurance coverage rates

Insurance can be prohibitively expensive, but there could be available discounts to cut the cost considerably. Many discounts should be triggered at the time of quoting, but some may not be applied and must be specifically requested before you get the savings.

  • ABS Brakes – Vehicles that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Impreza coverage depending on your insurance coverage provider.
  • Senior Citizens – Seniors may qualify for a slight reduction on a insurance quote on Impreza coverage.
  • Discount for New Cars – Buying a new car instead of a used car can save up to 30% because new model year vehicles keep occupants safer.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently so companies will give you a small discount.
  • Discounts for Responsible Drivers – Accident-free drivers may receive a discount up to 45% on Impreza coverage than drivers with accident claims.
  • Own a Home and Save – Just owning your own home can get you a discount since home ownership means you have a higher level of financial diligence.
  • College Student – Any of your kids living away from home attending college and leave their car at home can be insured at a reduced rate.

Don’t be shocked that some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears all the discounts add up to a free policy, that’s just not realistic.

A list of insurance coverage companies and some of the discounts are shown below.

  • State Farm offers premium reductions for good driver, defensive driving training, accident-free, multiple autos, Steer Clear safe driver discount, multiple policy, and driver’s education.
  • Liberty Mutual has savings for preferred payment discount, new graduate, safety features, exclusive group savings, newly retired, and good student.
  • American Family includes discounts for TimeAway discount, good student, good driver, accident-free, and mySafetyValet.
  • Progressive offers discounts for good student, multi-vehicle, online quote discount, continuous coverage, and homeowner.
  • Farmers Insurance may offer discounts for alternative fuel, electronic funds transfer, early shopping, youthful driver, bundle discounts, switch companies, and multi-car.
  • Auto-Owners Insurance may include discounts for group or association, teen driver, anti-theft, multiple vehicles, student away at school, and safe driver.
  • SAFECO policyholders can earn discounts including accident prevention training, drive less, teen safety rewards, multi-car, and anti-theft.

If you are trying to find affordable insurance quotes, ask each company or agent to give you their best rates. Some discounts might not be offered on policies everywhere. To view insurers that offer multiple discounts, follow this link.

When do I need an agent’s advice?

When buying the best auto insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might point out if your situation would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Should I get collision insurance on every vehicle?
  • Am I covered when using my vehicle for business?
  • What can I do if my company denied a claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Specifics of your insurance policy

Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average insurance policy.

Collision – Collision coverage pays for damage to your Impreza resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, crashing into a building, sideswiping another vehicle, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses for things like surgery, ambulance fees and EMT expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverages – This provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, a broken windshield, damage from getting keyed, vandalism and rock chips in glass. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your 2002 Subaru Impreza.

Due to the fact that many 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 is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

More effort can pay off

We just covered a lot of tips how to save on 2002 Subaru Impreza insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.

Affordable 2002 Subaru Impreza insurance can be purchased on the web and from local insurance agents, so get free insurance quotes from both of them so you have a total pricing picture. Some companies may not offer online quoting and usually these regional insurance providers prefer to sell through independent insurance agents.

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