2006 Subaru Impreza Insurance Cost – 8 Tips for Cheaper Prices

Want the cheapest insurance rates for your Subaru Impreza? Saving money on Driversinsurance might be difficult for drivers not familiar with quoting coverage rates online. You have so many options that it can quickly become a real challenge to compare rates.

It’s a good idea to do price comparisons at least once a year since rates are adjusted regularly by insurance companies. Just because you found the best premium rates for Impreza insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.

How to get the cheapest car insurance

When shopping for car insurance there are multiple ways to compare rate quotes from different companies. One of the best ways to comparison shop is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

The simplest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate forms for every prospective company. A single form gets rate comparisons from multiple low-cost companies. This is by far the quickest method.

Another way to obtain and compare quotes online requires a visit to each individual company website and repeat the quote process again and again. For sake of this example, let’s assume you want comparison quotes from Nationwide, Progressive and GMAC. You would have to go to every website and enter your information, which explains why we recommend starting with the first method.

For a list of companies in your area, click here.

The most difficult method to find and compare rates is driving to different agent offices. Doing it all online eliminates the middleman unless you prefer the professional assistance of a local agent. If you prefer, some companies allow you to get the lowest quotes online but buy the policy through an agent.

It’s up to you how you get prices quotes, just ensure you are comparing the same information for each comparison quote. If the quotes have different limits and deductibles on each one it’s not possible to determine which rate is truly the best. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a large number of companies will improve the odds of getting the best rates.

Slick advertising tricks that work

Companies like 21st Century, Allstate and State Farm regularly use television, radio, and online ads. All the companies say the same thing that people will save just by switching your policy. How does every insurance company charge less that you’re paying now? It’s all in how they say it.

All the different companies quote the lowest rates for the right customer they prefer to insure. An example of this type of driver could possibly be married and over the age of 30, has never had a policy lapse, and the vehicle is rated for pleasure use. Any new insured who matches those parameters gets the lowest car insurance rates and have a good chance to save money with a new company.

Consumers who don’t qualify for these standards will get a higher premium and ends up with business going elsewhere. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That is how insurance companies can make it sound like they have such great prices. Different companies use different criteria so drivers must do a quote comparison often. It is just not possible to predict which insurance company will give you the biggest savings.

Get cheaper car insurance rates with discounts

Insurance can be prohibitively expensive, but you might already qualify for some discounts that many consumers don’t even know exist. A few discounts will automatically apply when you purchase, but less common discounts must be asked about before you will receive the discount.

  • Senior Discount – If you’re over the age of 55, you may qualify for reduced rates for Impreza insurance.
  • Discount for Life Insurance – Select companies reward you with a discounted rate on car insurance if you buy life insurance from them.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
  • Drivers Education – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Government Employee Discount – Simply working for the federal government may qualify for a discount when you quote insurance coverage for Impreza insurance but check with your company.
  • No Claims – Drivers who don’t have accidents get the best car insurance rates as opposed to accident-prone drivers.
  • Early Payment Discounts – By making one initial payment as opposed to paying monthly you can avoid the installment charge.
  • Sign Online – A few car insurance companies will give you a small discount get insurance coverage over the internet.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Companies that may have some of the above discounts include:

When quoting, ask every company to apply every possible discount. Some discounts listed above may not apply to policies in your state. If you would like to see a list of providers with discount rates, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • What exactly is covered by my policy?
  • Why does it cost so much to insure a teen driver?
  • Are rock chip repairs covered?
  • When should I not file a claim?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is pleasure use cheaper than using my 2006 Subaru Impreza to commute?
  • Do I need an umbrella policy?
  • How do I buy GAP insurance?
  • Should I rate my 2006 Subaru Impreza as pleasure use or commute?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverages explained

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as ambulance fees, X-ray expenses, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as bail bonds, legal defense fees and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Subaru Impreza.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision coverage

This covers damage to your Impreza resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, damage from a tornado or hurricane, falling objects, rock chips in glass and vandalism. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

What is YOUR best insurance company?

Some companies don’t offer price quotes online and these smaller companies provide coverage only through local independent agents. Budget-conscious 2006 Subaru Impreza insurance can be bought from both online companies as well as from independent agents, and you need to price shop both to have the best chance of lowering rates.

When you buy insurance coverage online, do not reduce needed coverages to save money. There have been many cases where an insured cut liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost.

In this article, we covered a lot of techniques to reduce 2006 Subaru Impreza insurance premium rates online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable insurance coverage. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies.

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