View 2015 Subaru Impreza Insurance Quotes

Searching for the cheapest insurance for a Subaru Impreza can turn out to be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the quickest way to price shop coverage for a Subaru and obtain the lowest possible price either online or from local insurance agents.

How to find low cost insurance

Lowering your 2015 Subaru Impreza insurance rates is actually quite simple. Just take a few minutes comparing price quotes to find. It’s really simple and can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way to get the best comparison quotes is a comparison rater form (click to open form in new window). This style of form prevents you from having to do separate quote forms for every company. Just one form will get you price quotes from multiple companies. It’s definitely the quickest method.
  2. A more difficult way to get comparison quotes requires visiting the website of each company and get a separate price quote. For sake of this example, we’ll pretend you need rates from Nationwide, State Farm and Geico. To get rate quotes you would need to spend time going to each site individually and punch in your information repeatedly, which is why first method is reommended. For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you are comparing the exact same deductibles and coverage limits on every quote. If you compare different coverage information you will not be able to truly determine the lowest rate.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions can help discover if your situation might need professional guidance.

  • How do I file an SR-22 for a DUI in my state?
  • What is the ISO rating for a 2015 Subaru Impreza?
  • Is there coverage for injuries to my pets?
  • What is medical payments coverage?
  • I have health insurance so do I need medical payments coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

The coverage is in the details

Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Collision – This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, hitting a mailbox, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Subaru Impreza.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, vandalism, damage from a tornado or hurricane and hail damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for ambulance fees, pain medications and funeral costs. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Liability auto insurance – This can cover damage or injury you incur to other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, emergency aid, pain and suffering, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.