2018 Subaru Impreza Insurance Quotes – 5 Tips to Save

Looking for the cheapest insurance rates for your Subaru Impreza? Finding the cheapest insurance for a Subaru Impreza could be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are both good and bad ways to find insurance online and we’ll show you the best way to price shop coverage for your Subaru and get the lowest price either online or from local insurance agents.

It is always a good idea to shop coverage around quite often because prices are usually higher with each renewal. Despite the fact that you may have had the best deal on Impreza coverage two years ago a different company probably has better rate quotes today. There are a lot of ways to save on insurance on the internet, but by reading this article, you’re going to learn the best ways to save money.

Affordable insurance coverage rate quotes

Getting cheap 2018 Subaru Impreza insurance coverage pricing doesn’t have to be difficult. You just need to take a couple of minutes to get quotes provided by online insurance companies. Comparing prices online can be done in several different ways.

  • The simplest way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for separate quotation requests for every insurance coverage company. One form will return price quotes from insurance coverage companies with the best prices. Just one form and you’re done.
  • A more time consuming way to analyze rates consists of going to the website for each individual company and request a quote. For examples sake, we’ll pretend you want to get rates from Allstate, State Farm and Progressive. You would be required to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  • The least efficient and most time consuming way to comparison shop is to spend your day driving to local insurance agencies. Doing it all online eliminates the middleman unless you prefer the professional assistance of a local agency. It is possible with some companies compare online quotes and still use a local agent.

Whichever way you choose to compare rates, make sure you are using the same information on every price quote you get. If you compare different limits and deductibles on each one it will be impossible to make a fair rate comparison.

Insurance advertisements

Consumers can’t avoid all the ads that promise big savings for switching by companies like State Farm, Geico and Progressive. They all seem to make the promise that you’ll save big if you switch your insurance coverage to their company.

It sounds good, but how can they all make the same claim? It’s all in the wording.

Companies have specific characteristics for a prospective insured that is profitable for them. One example of a profitable customer may need to be over the age of 35, has a clear driving record, and chooses high deductibles. A driver that fits those parameters gets the lowest prices and will also save a lot of money.

Drivers who may not quite match the ideal profile will see a higher rate and ends up with the driver buying from a lower-cost company. The trick is to say “customers that switch” not “everybody who quotes” save the amount stated. That’s the way insurance companies can lure you into getting a quote. Because each company has a different risk profile, it is so important to get car insurance quotes as often as possible. It is impossible to predict which insurance company will have the best car insurance rates for your profile.

These five discounts can cut insurance rates

Car insurance companies don’t list the entire discount list in an easy-to-find place, so we researched a few of the more common as well as the least known discounts that you may qualify for.

  • Theft Deterent Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Paperwork-free – Some of the larger companies will give you a small discount for buying your policy on their website.
  • Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company you may earn up to 20% off your total premium.
  • Driver Training Discounts – Taking time to complete a defensive driver class can save you 5% or more if your company offers it.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free insurance policy, it just doesn’t work that way.

Auto insurance companies that have these discounts include:

When getting free car insurance quotes, it’s a good idea to every prospective company the best way to save money. All car insurance discounts might not be available to policyholders everywhere.

When do I need an agent’s advice?

When it comes to buying the best insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your insurance needs might need professional guidance.

  • Exactly who is provided coverage by my policy?
  • Is my camper covered by my car insurance policy?
  • Should I waive the damage coverage when renting a car?
  • What is covered by UM/UIM coverage?
  • Should I buy full coverage?
  • I have a DUI can I still get coverage?
  • Where can I find high-risk insurance?
  • Should I have a commercial auto policy?
  • Do I need rental car coverage?
  • Can I get a multi-policy discount?

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. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses such as nursing services, hospital visits and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability

This will cover injuries or damage you cause to other people or property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as medical services, bail bonds, legal defense fees and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Subaru Impreza.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers things like damage from flooding, hitting a bird, a broken windshield, hail damage and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage will pay to fix damage to your Impreza caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, rolling your car, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Final thoughts

When you buy car insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed uninsured motorist or liability limits only to find out that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

Some car insurance companies may not provide internet price quotes and many times these smaller providers provide coverage only through independent agencies. Cheaper car insurance can be sourced online in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection.

In this article, we presented many ways to compare 2018 Subaru Impreza insurance auto insurance rates online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from the least-expected company.

Even more information is available at these sites: