View 2007 Subaru Impreza Insurance Cost

Searching for cheaper auto insurance rates for your Subaru Impreza? No car owner fancies paying their premiums for auto insurance, especially knowing they could lower their rates if they shopped around. Companies like State Farm, Geico and Farmers Insurance constantly bombard you with advertising and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

Consumers need to compare prices on a regular basis since insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rate on Impreza coverage six months ago a different company probably has better premium rates today. You can search a lot of auto insurance online but in a few minutes you can learn some tested techniques to lower your auto insurance rates.

Get cheaper auto insurance with discounts

Companies offering auto insurance don’t list every discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden savings tricks you should be using when you buy insurance online. If you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • No Accidents – Insureds with no claims or accidents can save substantially as opposed to frequent claim filers.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
  • Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
  • Theft Deterent – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Defensive Driver Discounts – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Discounts for Responsible Drivers – Drivers who avoid accidents could pay up to 40% less on Impreza coverage than drivers with accident claims.
  • Bundled Policy Discount – When you have multiple policies with the same company you may save up to 20% and get you low cost insurance.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, you’re out of luck.

Companies and a partial list of their discounts are:

  • State Farm discounts include defensive driving training, safe vehicle, Drive Safe & Save, good student, driver’s education, accident-free, and Steer Clear safe driver discount.
  • Liberty Mutual offers discounts for new graduate, teen driver discount, safety features, multi-policy, and good student.
  • American Family policyholders can earn discounts including early bird, good student, defensive driver, multi-vehicle, accident-free, and mySafetyValet.
  • Progressive offers premium reductions for good student, continuous coverage, multi-vehicle, online quote discount, multi-policy, and homeowner.
  • Farmers Insurance may offer discounts for switch companies, early shopping, homeowner, bundle discounts, teen driver, distant student, and youthful driver.
  • Auto-Owners Insurance includes discounts for safe vehicle, safe driver, paperless, air bags, and multiple vehicles.
  • SAFECO has savings for anti-theft, teen safety rewards, drive less, multi-car, teen safe driver, and anti-lock brakes.

If you are trying to find the cheapest insurance quotes, ask each company or agent what discounts are available to you. All car insurance discounts might not be offered on policies in your state. For a list of insurers that offer many of these discounts, follow this link.

Buy more affordable auto insurance with these tips

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that play a part in calculating your auto insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that can earn you cheaper rates. Lots of factors are used when premium rates are determined. Some factors are common sense such as your driving history, although some other factors are less obvious like your vehicle usage or your commute time.

  • Reserve auto insurance claims for larger damages – If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance companies award lower rates to drivers who do not file claims often. Auto insurance is meant to be used in the event of more catestrophic claims.
  • Get a ticket, pay higher rates – Whether or not you get tickets has a huge affect on how much you pay. Getting just one citation may cause rates to rise to the point where it’s not affordable. Good drivers pay lower auto insurance prices as compared to careless drivers. People who have flagrant violations such as hit and run, DWI or reckless driving convictions may find that they have to to complete a SR-22 with the DMV in their state in order to prevent their license from being revoked.
  • Always have auto insurance – Going without insurance is a guaranteed way to increase your auto insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a revoked license or a big fine. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Your liability limits – The liability section of your policy kicks in if ever you are determined to be liable for an accident. Liability provides legal defense starting from day one. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Safer occupants lowers rates – Vehicles that have high safety ratings cost less to insure. Vehicles engineered for safety have better occupant injury protection and better occupant protection means less claims paid and cheaper rates on your policy.
  • Does car insurance cost more for guys? – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean men are worse drivers. Females and males tend to get into fender benders in similar numbers, but males have accidents that have higher claims. Men also statistically have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Teen drivers pay more – Young drivers are proven to be easily distracted when behind the wheel so they pay higher auto insurance rates. Adding a young driver onto a policy can be very expensive. Older people are shown to be more cautious, statistically cause fewer accidents and are safer drivers.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • Do I have coverage when using my vehicle for my home business?
  • How can I find cheaper teen driver insurance?
  • Is my cargo covered for damage or theft?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I pay less for low miles?
  • Should I sign the liability waiver when renting a car?
  • Is extra glass coverage worth it?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Save $492 a year. For real?

Drivers can’t ignore all the ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the ads advertise claims that people will save if you just switch your auto insurance coverage to their company.

But how can every company offer you a better deal? Just pay attention to how they say it.

All the different companies provide the lowest rates for the type of customer that will most likely be profitable. A good example of this type of insured might be over the age of 45, has no prior claims, and insures a new vehicle. Anyone that hits that “sweet spot” is entitled to the best price and therefore will save when they switch companies.

Potential customers who don’t measure up to this ideal profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The wording the ads use say “people that switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can confidently lure you into getting a quote.

This really illustrates why it is so important to get insurance quotes from several different companies. It is impossible to predict which auto insurance company will be your best fit.

Insurance coverages explained

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Collision insurance

Collision insurance pays for damage to your Impreza caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like chiropractic care, EMT expenses, X-ray expenses and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair bills for other people’s vehicles, repair costs for stationary objects, medical services, medical expenses and court costs. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Impreza.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hail damage, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Feed the piggy bank

You just read a lot of ways to get a better price on 2007 Subaru Impreza insurance. The key thing to remember is the more providers you compare, the better likelihood of getting low cost insurance. You may even discover the most savings is with a lesser-known regional company. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive or Geico.

More affordable car insurance is possible both online in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some insurance companies do not offer online rate quotes and many times these small insurance companies sell through independent insurance agencies.

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