Compare 2016 Subaru Impreza Insurance Rates

Looking for lower insurance coverage rates for your Subaru Impreza? Frustrated by the crazy number of insurance coverage choices that you can choose from? You have such a large number of options that it can turn into a chore to lower your prices.

It is always a good idea to do price comparisons every six months because insurance rates are rarely the same from one policy term to another. Just because you had the lowest premium rates for Impreza insurance at your last renewal you may be paying too much now. Forget all the misinformation about insurance coverage because you’re going to learn the tricks you need to know to reduce your cost while increasing coverage.

Why you might pay increased rates

Part of the auto insurance buying process is learning the different types of things that go into determining the rates you pay for auto insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that could result in big savings.

The list below includes most of the major factors used by companies to determine your rate level.

  • Always have auto insurance – Letting your insurance expire will be a quick way to drive up your policy premiums. Not only will rates go up, getting caught without coverage may result in a revoked license or a big fine. You may have to file a SR-22 with your state motor vehicle department.
  • High credit rating translates to low premiums – An insured’s credit rating can be an important factor in calculating your premium rate. People that have good credit tend to be more responsible than drivers with poor credit. If your credit rating can be improved, you could be paying less to insure your 2016 Subaru Impreza if you clean up your credit.
  • Keep insurance claims to a minimum – If you tend to file frequent claims, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Car insurance companies generally give the best rates to policyholders who are not frequent claim filers. Auto insurance is designed for more catestrophic claims.
  • Multiple policies with one company – Lots of insurers will award discounts to clients who buy several policies from them in the form of a multi-policy discount. Even with this discount, you may still want to compare other company rates to make sure you are getting the best deal. You may still be able to save even more than the discount by buying insurance from more than one company.

The quickest method we recommend to compare car insurance company rates is to understand most of the larger companies participate in online systems to give you rate quotes. The one thing you need to do is provide a small amount of information including how much school you completed, whether or not you need a SR-22, which vehicles you own, and how old drivers are. The data is instantly provided to all major companies and they respond with quotes with very little delay.

To find the cheapest 2016 Subaru Impreza insurance rates, click here and enter your zip code.

Save money with these insurance coverage discounts

Companies do not advertise the complete list of policy discounts in an easy-to-find place, so the list below contains some of the best known and also the lesser-known credits available to you.

  • Onboard Data Collection – Drivers that enable companies to spy on vehicle usage by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if their driving habits are good.
  • Early Switch Discount – Some insurance coverage companies reward drivers for buying a new policy before your current coverage expires. The savings is around 10%.
  • Senior Citizens – Mature drivers may qualify for lower premium rates for Impreza insurance.
  • Drive Less and Save – Maintaining low annual mileage could qualify for slightly better premium rates than normal.
  • Multiple Vehicles – Having multiple cars or trucks with one company qualifies for this discount.
  • Multiple Policy Discount – If you can bundle your homeowners and auto insurance with one insurance company you will save up to 20% off your total premium.

One last thing about discounts, most credits do not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic.

A list of insurance coverage companies and the discounts they provide are:

  • State Farm discounts include driver’s education, student away at school, accident-free, good driver, safe vehicle, and good student.
  • Farmers Insurance may include discounts for business and professional, multi-car, bundle discounts, early shopping, and electronic funds transfer.
  • Progressive includes discounts for online quote discount, multi-policy, homeowner, continuous coverage, multi-vehicle, online signing, and good student.
  • Geico offers discounts including military active duty, emergency military deployment, seat belt use, daytime running lights, anti-theft, and air bags.
  • Auto-Owners Insurance offers premium reductions for good student, safe driver, company car, anti-lock brakes, air bags, safe vehicle, and group or association.
  • The Hartford may have discounts that include defensive driver, good student, bundle, driver training, and vehicle fuel type.
  • Farm Bureau policyholders can earn discounts including multi-policy, good student, driver training, safe driver, 55 and retired, youthful driver, and multi-vehicle.
  • USAA may offer discounts for driver training, defensive driver, good student, loyalty savings, vehicle storage, and new vehicle.

Check with each company which discounts you may be entitled to. Some credits might not be available to policyholders everywhere.

Car insurance can get complicated

When it comes to choosing coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • Am I covered when delivering products for my home-based business?
  • Am I better off with higher deductibles on my 2016 Subaru Impreza?
  • Does my 2016 Subaru Impreza need full coverage?
  • Why do I need rental car insurance?
  • When should I remove comp and collision on my 2016 Subaru Impreza?
  • How much liability do I need to cover my assets?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my insurance cover my expensive audio equipment?
  • Is business property covered if stolen from my car?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for liability

Liability coverage will cover damage that occurs to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like funeral expenses, court costs, medical expenses, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like funeral costs, ambulance fees and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2016 Subaru Impreza.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, a broken windshield, falling objects and theft. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays for damage to your Impreza caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, backing into a parked car, damaging your car on a curb, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Smart shoppers get results

Drivers switch companies for a variety of reasons including questionable increases in premium, high prices, policy non-renewal and delays in responding to claim requests. Regardless of your reason for switching companies, finding a new company is less work than it seems.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where an insured dropped comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

Cheaper insurance can be found both online in addition to many insurance agents, so get free insurance coverage quotes from both of them to get a complete price analysis. Some insurance providers may not have online price quotes and most of the time these regional carriers only sell through independent insurance agents.

Additional information