2014 Subaru Impreza WRX Insurance Rates

Trying to find the cheapest car insurance rates for your Subaru Impreza WRX? Searching for the cheapest insurance for a Subaru Impreza WRX can normally be an all-consuming task, but you can learn our car insurance buying tips to save time.

There are more efficient ways to buy car insurance so we’re going to tell you the best way to price shop coverage for your Subaru and obtain the lowest possible price from both online companies and local agents.

You should make it a habit to check car insurance prices on a regular basis because car insurance prices go up and down regularly. Just because you had the best price on Impreza WRX insurance a couple years back you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the quickest ways to find great coverage at a great price.

Finding the best insurance coverage can be fairly easy. If you have a current insurance coverage policy or need new coverage, you can use these techniques to get lower rates and still get good coverage. Consumers only need to know the best way to get comparison rates over the internet.

Insurance coverage discounts are available to slash your rates

Insurance coverage is not inexpensive, but you might find some hidden discounts that may help make it more affordable. Certain reductions will be credited when you quote, but once in a while a discount must be inquired about prior to getting the savings. If they aren’t giving you every credit you deserve, you are not getting the best rate possible.

  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Military Deployment Discount – Having an actively deployed family member could be rewarded with lower rates.
  • Good Student – Being a good student could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • No Claims – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.
  • Distant College Student Discount – Kids living away from home attending college and do not take a car to college could qualify for this discount.
  • Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy auto and life insurance together.

You can save money using discounts, but many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride. Any qualifying discounts will bring down your policy premiums.

Companies and a selection of discounts are detailed below.

  • The Hartford offers discounts for vehicle fuel type, air bag, anti-theft, defensive driver, and good student.
  • American Family has discounts for good student, multi-vehicle, defensive driver, accident-free, and good driver.
  • Progressive may offer discounts for multi-vehicle, good student, homeowner, online signing, continuous coverage, online quote discount, and multi-policy.
  • Travelers discounts include IntelliDrive, continuous insurance, student away at school, save driver, and early quote.
  • Farmers Insurance may include discounts for early shopping, homeowner, alternative fuel, multi-car, teen driver, and switch companies.
  • USAA has savings for vehicle storage, defensive driver, safe driver, family discount, driver training, annual mileage, and military installation.
  • Liberty Mutual offers premium reductions for new graduate, teen driver discount, preferred payment discount, hybrid vehicle, exclusive group savings, safety features, and newly married.

Before purchasing a policy, check with every insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply to policies everywhere. To see insurance coverage companies who offer discounts, follow this link.

The quickest way to get policy rate comparisons is to realize auto insurance companies pay for the opportunity to quote your coverage. The only thing you need to do is take a few minutes to give details including if you have an active license, daily mileage, what you do for a living, and an estimate of your credit level. The data is instantly submitted to many different companies and they return quotes quickly.

Subaru Impreza WRX insurance price factors

Many things are part of the equation when you get a price on insurance. Some factors are common sense such as your driving record, although some other factors are not as apparent like your vehicle usage and annual miles driven.

The factors shown below are a few of the “ingredients” used by your company to calculate your rate level.

  • Additional coverages that may be costing you – There are quite a few add-on coverages that you can get tricked into buying if you don’t pay attention. Things like roadside assistance, death and dismemberment, and extra equipment coverage are some examples. These may sound like a good investment initially, but if you have no use for them think about removing them and cutting costs.
  • Do you work long hours in a demanding job? – Careers such as lawyersair traffic controllers and financial analysts generally have higher rates than the rest of us due to intense work-related stress and long work days. Conversely, careers like actors, athletes and homemakers pay lower than average rates on Impreza WRX insurance.
  • Save money by having multiple policies – The majority of companies allow a discount for people that buy multiple policies in the form of a multi-policy discount. This can amount to ten percent or more. Even with this discount applied, you still need to check prices from other companies to make sure you are getting the best deal. It’s possible to still save money by splitting coverages up.
  • Get married and get better rates – Being married can get you a discount on your policy. Having a spouse generally demonstrates drivers are more mature and responsible and it’s proven that drivers who are married file infrequent claims.
  • Are females or males drivers cheaper? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. They both are responsible for fender benders in similar numbers, but the males tend to have more serious accidents. Men also statistically get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are several times more likely to be in an accident and thus pay the highest rates.
  • Where you live is a factor – Being located in small towns and rural areas has definite advantages when buying car insurance. Less people living in that area translates into fewer accident claims. Urban drivers regularly have more auto accidents and longer commutes to work. Longer commute distances means more chances of being involved in an auto accident.
  • Too many insurance claims and you’ll pay more – Insurance companies provide discounts to insureds who file claims infrequently. If you’re an insured who likes to file claims you can expect higher rates. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • What are good liability limits? – Your policy’s liability coverage kicks in if you are found liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court starting from day one. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.

Everyone needs different car insurance coverages

When choosing the best car insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

For example, these questions might help in determining whether or not you might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Exactly who is provided coverage by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • I have a DUI can I still get coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance coverages

Learning about specific coverages of auto insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for hospital visits, funeral costs, prosthetic devices, doctor visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Impreza WRX.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, vandalism and damage from flooding. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This coverage covers damage to your Impreza WRX caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability car insurance

This protects you from damage or injury you incur to a person or their property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, pain and suffering, loss of income and bail bonds. How much coverage you buy is your choice, but buy as much as you can afford.

Shop Smart and Save

Consumers change insurance companies for any number of reasons including unfair underwriting practices, policy cancellation, delays in responding to claim requests or extreme rates for teen drivers. No matter why you want to switch, finding a new insurance company is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the best price but still have enough coverage for asset protection.

Throughout this article, we presented a lot of ways to shop for 2014 Subaru Impreza WRX insurance online. The key concept to understand is the more companies you get prices for, the higher your chance of finding affordable insurance coverage. You may even discover the most savings is with an unexpected company.

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