Save on 2010 Subaru Impreza Insurance Rates

Trying to find cheaper insurance rates for your Subaru Impreza? Comparing insurance quotes online can be challenging since most people haven’t used online price quotes. Don’t be confused because we’re going to show you how.

It is always a good idea to compare premium rates once or twice a year because insurance rates change frequently. Even if you got the best deal for Impreza coverage a year ago you can probably find a lower rate today. Block out anything you think you know about insurance because you’re going to learn the quickest way to find lower rates on insurance.

The purpose of this post is to help you learn how to get online quotes. If you have car insurance now, you should be able to save some money using these techniques. But vehicle owners benefit from understanding how insurance companies sell online because it can help you find the best coverage.

Compare auto insurance rates

There are multiple methods to compare auto insurance prices but some are more efficient than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can utilize the internet to get pricing more quickly.

Many of the larger companies are enrolled in a marketplace that enables customers to enter their policy data once, and every company returns a rated price based on that information. This system prevents you from having to do form submissions for every auto insurance company.

To get comparison pricing now click here to open in new window.

The one disadvantage to pricing coverage this way is you are unable to specify the providers you want pricing from. If you would rather choose individual companies to receive pricing from, we have assembled a list of auto insurance companies in your area. Click to view list.

How you compare quotes is your choice, just compare the same coverage limits and deductibles for each comparison quote. If you enter different coverage information it’s impossible to decipher which rate is best. Quoting even small variations in insurance coverages or limits may cause a big price difference. Keep in mind that more quotes increases the change that you will find the best rates. Not every company provides online quotes, so you need to compare price quotes from those companies as well.

How insurance providers determine Subaru Impreza insurance prices

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that are used to determine your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you better insurance rates.

  • Small coverages can add up – Insurance policies have a lot of additional coverages that can add up but may not be useful. Coverage for things like rental car reimbursement, accident forgiveness, and term life insurance are probably not needed. You may think they are a good idea at first, but now you might not need them so eliminate the coverages to reduce your premium.
  • Pleasure use or commuting – The higher the mileage driven each year the higher your rate. A lot of companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time get more affordable rates than cars that get driven a lot. An incorrectly rated Impreza is throwing money out the window. Make sure your policy is rated on the correct usage, because it can save money.
  • Urban residents pay more – Being located in less populated areas is a good thing if you are looking for the lowest rates. Residents of big cities have more road rage incidents and more severe claims. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates.
  • Save money with good credit – A driver’s credit score factor in determining what you pay for insurance. Drivers who have high credit ratings tend to be more responsible than drivers with poor credit scores. So if your credit rating is not that good, you could potentially save money when insuring your 2010 Subaru Impreza if you improve your credit rating.
  • A insurance policy lapse can increase prices – Driving without insurance coverage in place is a misdemeanor and your next policy will cost more because you let your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance may earn you a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state DMV.
  • Does auto insurance cost less for gals? – The statistics show that females tend to be a little less risky than males. Now that doesn’t mean men are worse drivers. Males and females tend to get into fender benders at about the same rate, but the men have accidents that have higher claims. Not only that, but men also receive more major tickets like driving under the influence (DUI). Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.

Get affordable car insurance with discounts

Car insurance is not an enjoyable expense, but there are discounts available that you may not even be aware of. A few discounts will be applied when you get a quote, but some must be manually applied before being credited. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles help deter theft and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Owning your own home or condo can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
  • Discount for Life Insurance – Car insurance companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
  • Driver’s Ed – Have your child enroll in driver’s education if offered at their school.
  • Multiple Policy Discount – If you combine your auto and homeowners policies with one insurance company they may give you a discount of 10% to 20% off each policy.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
  • Membership in Organizations – Having an affiliation with qualifying employment or professional organizations could qualify you for a break on car insurance.
  • Discount for Good Grades – Excelling in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • First Accident Forgiveness – This one isn’t a discount, but some insurance companies may permit one accident before hitting you with a surcharge so long as you are claim-free before the accident.

Policy discounts save money, but most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Companies that may offer these discounts are:

Check with every prospective company to give you their best rates. Some credits may not apply to policyholders in your area. To view insurance companies that offer the discounts shown above, follow this link.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is not a best way to insure your cars. Each situation is unique.

For instance, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Who is covered when they drive my 2010 Subaru Impreza?
  • Is business property covered if stolen from my car?
  • Where can I find DUI or SR-22 insurance?
  • Is a fancy paint job covered?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is medical payments coverage?
  • Does insurance cover tools stolen from my truck?
  • Do I have coverage if my license is suspended?
  • Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Car insurance coverages for a 2010 Subaru Impreza

Having a good grasp of insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – This pays for 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 a tree branch falling on your vehicle, damage from getting keyed, falling objects, hail damage and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage covers damage to your Impreza resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, scraping a guard rail, driving through your garage door, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2010 Subaru Impreza.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Auto liability – This protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Med pay and PIP coverage provide coverage for bills like nursing services, doctor visits, chiropractic care and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Save your hard earned cash

Cheap 2010 Subaru Impreza insurance can be purchased online in addition to local insurance agencies, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and many times these regional carriers provide coverage only through local independent agencies.

We just covered a lot of techniques to reduce 2010 Subaru Impreza insurance rates online. The key concept to understand is the more providers you compare, the higher your chance of finding cheap insurance. Consumers may even find the lowest rates come from an unexpected company.

People who switch companies do it for a number of reasons such as poor customer service, extreme rates for teen drivers, questionable increases in premium and even being labeled a high risk driver. Whatever your reason, finding the right car insurance provider can be less work than you think.

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