Compare 2003 Subaru Impreza Insurance Quotes

Trying to find cheaper insurance coverage rates for your Subaru Impreza? Nobody I know looks forward to buying insurance coverage, in particular when the prices are way too high.

You have so many car insurance companies to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to compare company pricing.

Discounts for affordable car insurance rates

Car insurance is not an enjoyable expense, but you might be missing out on some discounts that could drop your premiums quite a bit. Most are applied at quote time, but occassionally some discounts must be inquired about before you will receive the discount. If you do not check that you are getting every discount you qualify for, you could be paying more than you need to.

  • Life Insurance Discount – Select insurance carriers reward you with a discounted premium rate on car insurance if you buy auto and life insurance together.
  • Good Grades Discount – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Distant Student – Any of your kids living away from home attending college and won’t have access to an insured vehicle may be able to be covered for less.
  • Full Payment Discount – If paying your policy premium upfront instead of making monthly payments you may have a lower total premium amount.
  • Defensive Driver – Taking a course in driver safety could possibly earn you a 5% discount and also improve your driving technique.
  • Multiple Cars – Having multiple vehicles on a single policy can get a discount on all vehicles.
  • Online Discount – A handful of larger companies give back up to $50 just for signing your application digitally online.
  • No Claim Discounts – Good drivers with no accidents get the best car insurance rates in comparison to accident-prone drivers.
  • Renewal Discounts – Some car insurance companies reward drivers for switching policies before your current policy expires. It can save you around 10%.

You can save money using discounts, but most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, nobody gets a free ride.

Car insurance companies that may include most of these discounts include:

If you need the cheapest insurance coverage quotes, ask every company how you can save money. Some discounts listed above might not be offered on policies in every state. To view companies that have a full spectrum of discounts, follow this link.

How to compare insurance quotes

The are a couple different ways of comparing price quotes from local insurance companies. The quickest method to lower the rate you pay for 2003 Subaru Impreza insurance is to jump online and get quotes. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing separate quotation requests for every prospective company. One simple form gets insurance cost estimates from several companies.
  2. Another way to find better pricing requires a visit to the website for each individual company to complete their respective quote request forms. For example, let’s say you want to compare Geico, Allstate and State Farm. You would have to spend time going to each site individually and type in your information over and over, which can get rather old.

    For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just ensure you are comparing identical coverages and limits for each quote you get. If you have different deductibles you can’t possibly determine the lowest rate for your Subaru Impreza. Slightly different insurance coverages could skew the results. Keep in mind that having more price comparisons will enable you to find better pricing.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • What is covered by UM/UIM coverage?
  • Is my dog or cat covered if injured in an accident?
  • Can I afford to buy a different vehicle if my 2003 Subaru Impreza is totaled?
  • Do I need an umbrella policy?
  • Should I sign the liability waiver when renting a car?
  • Does medical payments coverage apply to all occupants?
  • Do I need replacement cost coverage?
  • Can I make deliveries for my home business?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions, you may need to chat with 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

Detailed coverages of your insurance policy

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision coverage

Collision insurance covers damage to your Impreza resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, hitting a mailbox, rolling your car and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability insurance

This coverage will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like pain and suffering, bail bonds and medical services. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The highest amount your 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.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like ambulance fees, dental work, doctor visits and surgery. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

One last thing about your coverage

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many cases, an insured dropped comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

We just showed you a lot of tips how to get a better price on 2003 Subaru Impreza insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest rates come from an unexpected company. These companies often have lower auto insurance rates on specific markets than their larger competitors like Progressive or Geico.

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