2014 Subaru Impreza Car Insurance Quotes – 10 Tips for Cheaper Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? You’re preaching to the choir because many consumers are in the same pinch. Insurance companies such as State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with fancy advertisements and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

If you have a policy now or are shopping for new coverage, you can use this information to find the best rates while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners only need an understanding of the best way to compare rates over the internet.

How to buy insurance coverage

Finding a better price on insurance coverage is surprisingly easy. All that’s required is to take a couple of minutes to get quotes from different insurance companies. This can be accomplished by using one of the methods below.

The most efficient method to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This style of form keeps you from doing separate quote forms for every prospective company. One form will return quotes from many national carriers.

A slightly less efficient method to shop for insurance coverage online requires visiting the website for every company you want to comare and fill out their own quote form. For instance, we’ll pretend you want to compare rates from Liberty Mutual, Safeco and State Farm. You would have to go to every website and repeatedly type in your coverage information, which explains why we recommend starting with the first method. For a list of companies in your area, click here.

It’s up to you which method you use, but make absolute certain that you use the exact same coverages and limits for each price quote. If you compare different liability limits it will be very difficult to get a fair rate comparison.

Car insurance policy discounts you can’t miss

The price of auto insurance can be rather high, but you might already qualify for some discounts that can help lower your rates. Some trigger automatically when you get a quote, but a few must be asked for before you get the savings.

  • Include Life Insurance and Save – Companies who offer life insurance give a lower car insurance rate if you buy life insurance.
  • Responsible Driver Discount – Drivers who avoid accidents may receive a discount up to 45% for Impreza insurance than drivers with accident claims.
  • Telematics Devices – Insureds who allow driving data submission to spy on their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts if their driving habits are good.
  • Anti-theft Discount – Cars equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a car insurance quote.
  • No Claim Discounts – Claim-free drivers pay less when compared with frequent claim filers.
  • Save over 55 – Drivers that qualify as senior citizens can get a small discount on rates for Impreza insurance.
  • Distant Student – Kids who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if offered at their school.
  • Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

Companies that may have many of the previously listed discounts include:

If you are trying to find affordable car insurance quotes, ask each insurance company which discounts you qualify for. Some credits might not be offered everywhere. If you would like to view providers with the best car insurance discounts, click here.

Insurance agents can help

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For example, these questions might point out whether you could use an agent’s help.

  • Why am I required to get a high-risk car insurance policy?
  • When does my teenage driver need to be added to my policy?
  • How can I find cheaper teen driver insurance?
  • Is a blown tire covered by insurance?
  • How do I insure my teen driver?
  • Is my 2014 Subaru Impreza covered for smoke damage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage options for a 2014 Subaru Impreza

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.

Liability

This can cover damage or injury you incur to other’s property or people that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as structural damage, bail bonds and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like chiropractic care, surgery, funeral costs and hospital visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, theft, fire damage and hail damage. The highest amount you can receive from a comprehensive 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.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Subaru Impreza.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, hitting a parking meter, driving through your garage door, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Compare but don’t skimp

We just covered a lot of tips how to lower your 2014 Subaru Impreza insurance premium rates. The most important thing to understand is the more you quote car insurance, the better your comparison will be. You may be surprised to find that the best premium rates are with some of the smallest insurance companies. These companies may have significantly lower prices on certain market segments than their larger competitors like Progressive or Geico.

Affordable 2014 Subaru Impreza insurance can be found on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not offer the ability to get a quote online and most of the time these regional insurance providers provide coverage only through independent insurance agencies.

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped comprehensive coverage or liability limits and learned later that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

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