2013 Subaru Impreza WRX Car Insurance Cost

Looking for the cheapest car insurance rates for your Subaru Impreza WRX? Are you tired of sacrificing to make your car insurance payment? You have the same problem as millions of other drivers.

Big companies like State Farm, Allstate, Geico and Progressive continually bombard you with TV and radio ads and it can be hard to ignore the propoganda and find the best price available.

If you currently have a car insurance policy, you will be able to save some money using this strategy. Finding the best rates is easy if you know what you’re doing. Although consumers do need to learn the way companies sell insurance online and take advantage of how the system works.

How to get free insurance coverage quotes online

There are a lot of ways to shop for insurance coverage, but some are more efficient than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

The majority of car insurance companies enroll in a system that enables customers to enter their coverage request one time, and each participating company returns a rated price determined by their information. This system prevents you from having to do form submissions for every insurance coverage company.

To use this form to compare rates click here to open in new window.

The single downside to using this type of system is that you can’t choose which providers to receive prices from. So if you prefer to pick individual companies to compare prices, we have a page of insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, make darn sure you compare identical quote data for each price quote. If you compare different values for each quote it’s not possible to truly determine the lowest rate. Slightly different limits could mean much higher rates. And when comparison shopping, comparing more company’s prices will improve the odds of getting the best price.

Can switching companies really save?

Insurance coverage companies such as Progressive, Geico, Allstate and State Farm regularly use television, radio, and online ads. They all seem to make the promise about savings if you change to their company. How do they all sell you cheaper insurance coverage? It’s all in how they say it.

All companies can use profiling for the driver that makes them money. One example of this type of driver may be over the age of 35, carries full coverage, and drives a car with an anti-theft system. Any customer who matches that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who do not match this stringent profile will see a higher premium which usually ends up with the prospect going elsewhere. The ads state “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can truthfully claim big savings. Each company has different criteria, so it’s extremely important to do a rate comparison at every renewal. Because without a comparison, you cannot know which company will fit your personal profile best.

Four things that influence your insurance prices

Multiple criteria are considered when pricing auto insurance. Some factors are common sense like your driving record, but others are not quite as obvious like your vehicle usage and annual miles driven.Part of the insurance coverage buying process is learning some of the elements that help calculate your insurance coverage rates. When you understand what determines base rates, this helps enable you to make changes that may result in better insurance coverage rates.

  • High premiums for teenage drivers – Older drivers are more responsible, file fewer claims and get fewer tickets.Youthful drivers have been known to be more careless when driving so they pay higher insurance coverage rates.
  • Five star crash test rating saves money – Vehicles with high crash test scores get lower rates. Safe vehicles protect occupants better and any reduction in injury severity means your insurance company pays less and thus lower rates. If your Subaru Impreza WRX is rated at a minimum four stars on Safercar.gov it may cost less to insure.
  • Gals tend to cost less – Over time, data shows that females tend to be a little less risky than males. However, don’t assume that women are BETTER drivers than men. Females and males get in at-fault accidents at a similar rate, but guys tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI). Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Better drivers pay less – Being a careful driver influences premium rates substantially. Getting just one chargable violation may increase your cost to the point where it’s not affordable. Careful drivers get better prices than their less careful counterparts. Drivers who have gotten careless citations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to continue driving.

Lower-cost insurance rates with discounts

Companies that sell car insurance don’t list every policy discount very clearly, so the list below gives a summary of both well-publicized as well as some of the hidden discounts that you may qualify for.

  • Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Paperless Signup – Some of the larger companies provide a small discount for completing your application digitally online.
  • Discounts for Responsible Drivers – Safe drivers can save as much as half off their rates for Impreza WRX insurance than drivers with accidents.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Impreza WRX insurance with certain companies.
  • Discount for New Cars – Buying insurance coverage on a new vehicle can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
  • Switch and Save Discount – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Data Collection Discounts – People who choose to allow their insurance company to look at where and when they drive by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they exhibit good driving behavior.
  • Multiple Policy Discount – If you can bundle your auto and homeowners insurance with the same company you could save at least 10% off all policies.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Even though it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

A few of the larger companies and some of the discounts are detailed below.

  • American Family offers discounts including good student, mySafetyValet, air bags, bundled insurance, and good driver.
  • Nationwide has savings for multi-policy, business or organization, defensive driving, accident-free, and easy pay.
  • MetLife offers premium reductions for good student, accident-free, good driver, defensive driver, claim-free, and multi-policy.
  • 21st Century has discounts for 55 and older, student driver, anti-lock brakes, good student, and defensive driver.
  • Farmers Insurance policyholders can earn discounts including electronic funds transfer, distant student, multi-car, early shopping, alternative fuel, mature driver, and pay in full.
  • Allstate may offer discounts for anti-theft, premier discount, safe driver, defensive driver, economy car, and passive restraint.

When quoting, ask every prospective company which discounts they offer. Discounts may not apply to policies in your state. If you would like to see a list of insurance companies that offer some of these discounts, click here to view.

Tailor your insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different and your policy should reflect that. For example, these questions could help you determine if your insurance needs could use an agent’s help.

  • Can my teen drive my company car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Which is better, split liability limits or combined limits?
  • Is my ex-spouse still covered by my policy?
  • What if I don’t agree with a claim settlement offer?
  • Does my medical payments coverage pay my health insurance deductible?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Specific coverages for a 2013 Subaru Impreza WRX

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.

Liability coverages – This provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as loss of income, court costs, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision – Collision insurance covers damage to your Impreza WRX resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for things like funeral costs, doctor visits, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from 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 insurance covers things like hail damage, rock chips in glass, damage from flooding, theft and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

Affordable 2013 Subaru Impreza WRX insurance is available online as well as from independent agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and these smaller companies only sell coverage through local independent agencies.

As you shop your coverage around, you should never reduce coverage to reduce premium. There have been many cases where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage for the lowest price.

Much more information about auto insurance can be read below: