2008 Subaru Impreza Insurance Rates

Shoppers have lots of choices when shopping for affordable Subaru Impreza insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to find the lowest rates. There are more efficient ways to find auto insurance online and we’ll show you the quickest way to get price quotes for your Subaru and locate the lowest possible price from both online companies and local agents.

It’s a good habit to do rate comparisons as often as possible since insurance prices tend to go up over time. Even if you think you had the best quotes on Impreza insurance six months ago you will most likely find a better rate today. You’ll find a ton of advice on auto insurance online, but in this article, you’re going to get some tested techniques to buy auto insurance cheaper.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you will be able to cut costs considerably using these methods. Drivers only need an understanding of the proper methods to buy insurance coverage over the internet.

Get lower-cost insurance coverage rates with discounts

Insurance can be prohibitively expensive, but there may be some discounts to help bring down the price. Some of these disounts will be visible when you get a quote, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • Theft Deterent – Cars with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • No Claims – Insureds who avoid accidents and claims can save substantially as compared to bad drivers.
  • Paperwork-free – Certain insurance coverage companies will give a small break for completing your application digitally online.
  • Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company they may give you a discount of nearly 15% which can help you find the cheapest insurance.
  • Payment Discounts – By making one initial payment rather than spreading payments over time you can actually save on your bill.

Please keep in mind that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Some of the insurance companies who might offer these benefits include:

When quoting, ask every prospective company what discounts are available to you. Savings may not apply to policyholders in your area. If you would like to see a list of insurance companies that offer multiple discounts, click here.

Learn how to get car insurance at a discount

Many different elements are used in the calculation when quoting car insurance. Some factors are common sense such as your driving record, although some other factors are less apparent such as whether you are married or your financial responsibility.The best way to find cheaper car insurance is to take a look at the rating factors that help calculate your premiums. If you have a feel for what influences your rates, this allows you to make good choices that could result in much lower annual insurance costs.

Shown below are a few of the “ingredients” used by companies to determine your premiums.

  • Pay less if you’re married – Your spouse can get you a discount on car insurance. Having a significant other means you’re more mature and responsible it has been statistically shown that drivers who are married file infrequent claims.
  • How do annual miles impact rates? – The more you drive in a year the higher the price you pay to insure it. Most companies rate vehicles partially by how you use the vehicle. Cars and trucks that are left in the garage can be on a lower rate level than vehicles that have high annual mileage. Make sure your car insurance coverage correctly shows the correct usage. A policy that improperly rates your Impreza can result in significantly higher rates.
  • Low comp and collision deductibles mean high prices – Your deductibles are the amount of money you are required to pay if the claim is covered. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some coverage claims could be collision with another vehicle, animal collisions, and damage caused by road hazards. The more of the claim you’re willing to pay, the better rate you will receive on Impreza insurance.
  • Discounts for multiple policies – Most major car insurance companies provide a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to shop around to make sure you are getting the best deal. You may still save even more than the discount by buying car insurance from a different company.
  • Liability coverage limits are a factor – Liability coverage kicks in if ever you are determined to be liable for an accident. Your policy’s liability insurance provides you with a defense in court starting from day one. Liability is cheap compared to comp and collision, so insureds should have plenty of protection for their assets.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might help in determining if your situation will benefit from professional help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are my friends covered when driving my car?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What can I do if my company denied a claim?
  • Do I have coverage when making deliveries for my home business?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is high-risk coverage and where do I buy it?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Coverages available on your auto insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

This will cover injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle 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. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like medical expenses, court costs, emergency aid, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Collision insurance

This coverage will pay to fix damage to your Impreza from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, sideswiping another vehicle, colliding with a tree, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, vandalism and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Subaru Impreza.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for things like X-ray expenses, dental work, nursing services and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Don’t be a big spender

Drivers leave their current company for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, delays in paying claims or even questionable increases in premium. It doesn’t matter why you want to switch finding the right insurance coverage provider can be easy and end up saving you some money.

You just read a lot of tips how to lower your 2008 Subaru Impreza insurance premium rates. It’s most important to understand that the more companies you get prices for, the higher the chance of saving money. Consumers could even find that the lowest premium rates are with a lesser-known regional company.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price while still protecting your assets.

Much more information about insurance coverage is available on the following sites: