2012 Subaru Impreza Insurance Quotes – 7 Tricks for Cheaper Rates

Trying to find better insurance coverage rates for your Subaru Impreza? Having to pay for overpriced Subaru Impreza insurance can take a big chunk out of your personal savings, especially in this economy. Getting a rate comparison can save money and help to reduce premiums and put more money in your pocket.

You have multiple car insurance companies to buy insurance from, and although it’s nice to have a selection, it makes it harder to find the lowest cost provider.

It is always a good idea to get comparison quotes as often as possible due to the fact that insurance rates trend upward over time. Even if you think you had the best rate for Impreza insurance a year ago you can probably find a better price now. Ignore everything you know about insurance coverage because you’re about to learn the tricks you need to know to lower your annual insurance bill.

Finding affordable coverage is quite easy. In a nutshell, every vehicle owner who carries car insurance will be able to lower their premiums. But consumers do need to learn the methods companies use to price insurance differently because it can help you find the best coverage.

Get lower rates by receiving these seven discounts

Insurance coverage is not inexpensive, but there could be significant discounts that many consumers don’t even know exist. Most are applied when you purchase, but a few need to be manually applied prior to getting the savings.

  • Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
  • Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote insurance for Impreza insurance but check with your company.
  • Discount for Passive Restraints – Options like air bags may earn rate discounts of up to 25% or more.
  • Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
  • Theft Deterent System – Cars and trucks that have factory anti-theft systems can help prevent theft and will qualify for a discount on a insurance quote.
  • Life Insurance – Some insurance carriers give a discounted premium rate on car insurance if you buy some life insurance too.
  • Early Signing – A few insurance companies offer discounts for signing up before your current policy expires. It can save you around 10%.

Just know that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free insurance coverage policy, that’s just not realistic.

To find insurers that have a full spectrum of discounts, click here.

Affordable insurance quotes

Effectively comparing insurance prices can take time and effort if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could save time and use online quotes to maximize your effort.

All the larger companies participate in a marketplace that enables customers to only type in their quote data once, and each participating company then gives them pricing for coverage. This prevents consumers from doing repetitive form submissions for every insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to getting quotes like this is that you can’t choose the companies you want pricing from. So if you want to select specific providers to compare, we put together a list of low cost insurance companies in your area. Click to view list.

However you get your quotes, ensure you’re using exactly the same quote data on every quote you get. If each company quotes mixed coverages you can’t possibly determine which company has the best rates. Just a small difference in insurance coverages can result in a big premium difference. And when comparison shopping, quoting more will increase your chances of finding a better price.

Your insurance coverage should be tailored to you

When it comes to buying the best insurance coverage for your personal vehicles, there is no one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions could help you determine if you might need professional guidance.

  • Are my friends covered when driving my car?
  • Where can I find DUI or SR-22 insurance?
  • How do I buy GAP insurance?
  • Do I have newly-aquired coverage?
  • Is my cargo covered for damage or theft?
  • Does coverage extend to my business vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Which is better, split liability limits or combined limits?
  • Are rock chip repairs covered?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverage specifics

Having a good grasp of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, a tree branch falling on your vehicle and rock chips in glass. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for funeral costs, pain medications and doctor visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This coverage covers damage to your Impreza from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Auto liability

Liability coverage can cover damages or injuries you inflict on people or other property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like repair costs for stationary objects, court costs, attorney fees, emergency aid and loss of income. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Subaru Impreza.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Be a money saver!

Discount 2012 Subaru Impreza insurance is definitely available online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer rates over the internet and many times these smaller companies work with independent agents.

Throughout this article, we presented many ways to save on 2012 Subaru Impreza insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest car insurance rates are with a smaller regional carrier. These companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate and Progressive.

Even more information can be read at these sites: