Want lower auto insurance rates for your Subaru Impreza? Think you have an underperforming, overpriced auto insurance policy? Believe me, there are lots of residents who feel the same. Due to the large number of different company options, it can be challenging to choose the best auto insurance company.
Buying car insurance is quite easy. If you have insurance now or need a new policy, you can use these tips to find the best rates and still get good coverage. Consumers just need to learn the most effective way to shop online.
Finding low cost car insurance rates can be quick and easy. Just invest a little time to compare free auto insurance quotes from some recommended companies. This can be done in a couple of different ways.
The easiest and least time consuming way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This style of form saves time by eliminating separate forms for every prospective company. In just a few minutes this one form compares rates from car insurance companies with the best prices.
A slightly less efficient method to obtain and compare quotes online is going to each individual company website to complete a price quote. For sake of this example, let’s say you want comparison quotes from Auto-Owners, Esurance and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site and repeatedly type in your coverage information, which is why most consumers use the first method.
For a list of links to companies insuring cars in your area, click here.
It’s up to you how you get prices quotes, just be sure to compare the exact same quote data for every company. If each company quotes different data then you won’t be able to determine which rate is truly the best.
Car insurance companies don’t list the entire discount list very clearly, so the following list contains a few of the more well known as well as the least known insurance savings.
Just know that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous.
A few companies that may offer quotes with some of the above discounts include:
Before purchasing a policy, check with every company what discounts are available to you. Savings may not be offered in your area. To choose insurance companies who offer discounts, click here.
When buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.
If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.
Knowing the specifics of insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.
Collision insurance
Collision insurance will pay to fix damage to your Impreza caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as damaging your car on a curb, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP pay for short-term medical expenses like hospital visits, X-ray expenses, EMT expenses and funeral costs. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability coverages
Liability coverage protects you from injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability coverage pays for things such as emergency aid, court costs and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.
Comprehensive auto coverage
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as falling objects, a broken windshield, hail damage, a tree branch falling on your vehicle and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.