How Much Does 2017 Subaru Impreza Insurance Cost?

If you’re shopping for cheaper insurance online, are you confused by the number of insurance companies in your area? There are so many choices that it can quickly become a real challenge to find a more affordable company.

Finding the cheapest auto insurance is simple if you know the tricks. In a nutshell, every vehicle owner who buys auto insurance most likely will be able to lower their premiums. Although car owners must understand how the larger insurance companies market insurance on the web because it can help you find the best coverage.

Compare quotes for auto insurance

Effectively comparing auto insurance prices can take time and effort if you don’t understand the easiest way. You can waste a lot of time driving to insurance agencies in your area, or you could use the internet to get rates in a matter of minutes.

Most of the best insurance companies participate in a marketplace that enables customers to send in one quote, and each participating company can provide price quotes based on the submitted data. This prevents consumers from doing quote requests to every company.

To find out how much you can save on auto insurance click here to open in new window.

The single downside to getting quotes like this is that you can’t choose the companies you want to price. So if you prefer to pick specific insurance companies to compare rates, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you are comparing equivalent coverage data for each price quote. If you are comparing unequal deductibles or liability limits you will not be able to make a fair comparison for your Subaru Impreza. Just a small difference in limits could mean much higher rates. And when comparing auto insurance rates, know that quoting more helps you find a lower rate than you’re paying now.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different.

For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Am I missing any policy discounts?
  • Do I really need UM/UIM coverage?
  • When should my teen driver be added to my policy?
  • Will filing a claim cost me more?
  • What is no-fault insurance?
  • Do I need replacement cost coverage on my 2017 Subaru Impreza?
  • Is upholstery damage covered by car insurance?
  • Exactly who is provided coverage by my policy?
  • Should I buy full coverage?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage information

Learning about specific coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from getting keyed and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – This covers damage to your Impreza resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, rolling your car, backing into a parked car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as rehabilitation expenses, funeral costs and hospital visits. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Subaru Impreza.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are set the same as your liablity limits.

Liability car insurance – Liability insurance provides protection from damage that occurs to people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like court costs, bail bonds and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.