View 2004 Subaru Impreza Insurance Cost

Looking for lower car insurance rates for your Subaru Impreza? Finding low-cost insurance for a new or used Subaru Impreza can be an all-consuming task, but you can learn our car insurance buying tips to save time.

There are more efficient ways to find car insurance online and we’ll show you the best way to compare rates for your Subaru and locate the best price possible from both online companies and local agents.

It’s important to compare premium rates occasionally due to the fact that insurance rates are variable and change quite frequently. Despite the fact that you may have had the best rate for Impreza insurance a couple years back there may be better deals available now. Ignore everything you know about car insurance because you’re about to find out the fastest and easiest way to properly buy coverages while reducing your premium.

These discounts can lower your auto insurance rates

Auto insurance is easily one of your largest bills, but you may find discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but a few must be specifically requested before you will receive the discount.

  • Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts as opposed to accident-prone drivers.
  • Own a Home and Save – Being a homeowner can save you money because it is proof of financial responsibility.
  • Accident Waiver – but some companies like Geico and Liberty Mutual will forgive one accident before raising your premiums if you are claim-free prior to the accident.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Paperwork-free – A few larger online companies provide a small discount for signing up on your computer.
  • Senior Discount – Drivers over the age of 55 may be able to get better auto insurance rates for Impreza insurance.
  • Multi-car Discount – Buying coverage for primary and secondary vehicles with the same auto insurance company could earn a price break for each car.
  • ABS Braking Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Clubs and Organizations – Participating in a civic or occupational organization can get you a small discount on your next renewal.
  • Good Driver Discount – Accident-free drivers can save up to 40% or more on their insurance quote for Impreza insurance than drivers with accidents.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, you aren’t that lucky.

A list of companies and some of their more popular discounts are:

  • State Farm offers premium reductions for driver’s education, multiple policy, Drive Safe & Save, Steer Clear safe driver discount, and safe vehicle.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, switch companies, homeowner, early shopping, bundle discounts, and good student.
  • Progressive may have discounts that include continuous coverage, online quote discount, multi-vehicle, multi-policy, and good student.
  • Geico has savings for driver training, membership and employees, anti-lock brakes, military active duty, daytime running lights, and seat belt use.
  • Auto-Owners Insurance may offer discounts for paperless, anti-lock brakes, air bags, multi-policy, and teen driver.
  • The Hartford offers discounts including anti-theft, bundle, defensive driver, driver training, good student, air bag, and vehicle fuel type.
  • Farm Bureau offers discounts for driver training, good student, 55 and retired, youthful driver, multi-vehicle, and multi-policy.
  • USAA discounts include driver training, family discount, multi-policy, annual mileage, vehicle storage, military installation, and multi-vehicle.

Check with all companies you are considering how many discounts you can get. Some credits might not be available to policyholders in your area. If you would like to choose from a list of providers with discount rates, click here.

How to buy insurance coverage online

All major insurance coverage companies such as Progressive, Geico, Allstate and State Farm give coverage price quotes on their websites. Getting online quotes is fairly straightforward as you simply type in the amount of coverage you want into the form. After you complete the form, their rating system pulls credit information and your driving record and generates pricing information based on these and other factors.

Online price estimates streamlines rate comparisons, but the time required to go to several different sites and complete many quote forms is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible in order to find the best price on insurance coverage.

The better way to compare rates

A less time-consuming method to get multiple rate quotes is to use a quote form to get prices from several companies at one time. The form is fast, requires less work, and makes price shopping online a lot less work. After sending your information, your coverage is rated and you can select any or none of the quotes returned.

If you find a better price it’s easy to complete the application and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.

If you want to use this form to compare rates, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy coverages and limits just like they are on your policy. This helps ensure you will be getting a fair comparison for the exact same coverage.

Different people need different car insurance coverages

When choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions may help you determine whether or not you could use an agent’s help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when using my vehicle for business?
  • Should I have combined single limit or split liability limits?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I have a commercial auto policy?
  • Why am I required to get a high-risk car insurance policy?
  • If I drive on a suspended license am I covered?
  • If my 2004 Subaru Impreza is totaled, can I afford another vehicle?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Learn about car insurance coverages for a 2004 Subaru Impreza

Having a good grasp of a car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Coverage for liability – Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like loss of income, funeral expenses, repair bills for other people’s vehicles, court costs and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive protection – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, a tree branch falling on your vehicle, hitting a bird, hail damage and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as dental work, hospital visits and doctor visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage – Collision coverage will pay to fix damage to your Impreza resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a ditch, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

One last thing

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. In many instances, drivers have reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your objective should be to buy enough coverage for the lowest price.

People leave their current company for any number of reasons including poor customer service, questionable increases in premium, policy non-renewal and an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching insurance companies is pretty simple and you could end up saving a buck or two.

We just covered many ways to save on 2004 Subaru Impreza insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. Consumers may even find the biggest savings come from some of the smallest insurance companies.

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