View 1993 Subaru Impreza Insurance Quotes

Want cheaper car insurance rates for your Subaru Impreza? Trying to find cheaper insurance for a Subaru Impreza can turn out to be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to buy car insurance and you need to know the proper way to quote coverages for a Subaru and obtain the best price possible either online or from local insurance agents.

Locating affordable insurance is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you can learn to shop for the lowest rates while maintaining coverages. Drivers just need to understand the proper way to get comparison rates online.

The best way to compare car insurance company rates is to take advantage of the fact most larger insurance companies have advanced systems to give rate comparisons. The only thing you need to do is give them rating details such as if a SR-22 is needed, distance driven, coverage limits, and your education level. Your information is automatically sent to multiple insurance providers and you will get price comparisons within a short period of time.

To start a rate quote now, click here and enter your zip code.

Subaru Impreza insurance price factors

One of the most helpful ways to save on insurance coverage is to to have a grasp of the factors that go into determining the level of your policy premiums. When consumers understand what determines base rates, this enables informed choices that may reward you with lower premium levels. Many different elements are part of the calculation when premium rates are determined. Some are obvious like an MVR report, but other criteria are more transparent like where you live or how financially stable you are.

The factors shown below are some of the items used by companies to determine your prices.

  • Do you work long hours in a tough occupation? – Jobs such as lawyers, social workers and emergency personnel have higher premium rates attributed to high stress and lengthy work days. On the other hand, jobs like farmers, athletes and retirees get better rates for Impreza coverage.
  • What are your comp and collision deductibles? – The deductibles you choose represent how much money you are willing to pay before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of covered claims are collision with another vehicle, fire damage, and having a roll-over accident. The larger the amount you pay before a claim is paid (deductible), the better rate you will receive for Impreza coverage.
  • Never let your policy expire – Not maintaining insurance is illegal and companies may charge more for letting your insurance lapse. Not only will you pay higher rates, getting caught without coverage may result in a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Youthful drivers cost more – Older insureds are viewed as being more responsible, are lower risk to insure .Young drivers are proven to be more careless in a vehicle so they pay higher insurance coverage rates.

Double check you’re getting with these discounts

Companies don’t necessarily list every available discount in an easy-to-find place, so the list below details a few of the more well known and the harder-to-find car insurance savings. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.

  • Data Collection Discounts – Drivers who agree to allow their company to look at driving patterns by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
  • Government Employees – Active or former government employment could cut as much as 10% off for Impreza coverage depending on your car insurance provider.
  • Discount for Low Mileage – Low annual miles can qualify you for lower prices on the low mileage vehicles.
  • Military Rewards – Being on active duty in the military could trigger a small discount.
  • Paperless Signup – A few companies give back up to $50 just for signing your application on the web.

One thing to note about discounts is that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A few popular companies and the discounts they provide include:

  • American Family discounts include mySafetyValet, air bags, multi-vehicle, TimeAway discount, and bundled insurance.
  • Farm Bureau offers discounts for renewal discount, good student, multi-policy, youthful driver, safe driver, multi-vehicle, and driver training.
  • State Farm offers discounts including passive restraint, multiple autos, anti-theft, accident-free, safe vehicle, driver’s education, and Drive Safe & Save.
  • Travelers may include discounts for payment discounts, student away at school, driver training, save driver, and new car.
  • The Hartford offers premium reductions for vehicle fuel type, driver training, anti-theft, defensive driver, bundle, air bag, and good student.
  • GEICO policyholders can earn discounts including membership and employees, multi-policy, military active duty, good student, daytime running lights, and federal employee.
  • Progressive has savings for multi-vehicle, online quote discount, continuous coverage, online signing, good student, multi-policy, and homeowner.

When quoting, ask every prospective company to give you their best rates. Savings might not be offered on policies in your area.

Your situation helps dictate your coverage

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions might help in determining whether you would benefit from professional advice.

  • Do I have coverage if my license is suspended?
  • How much liability coverage do I need in my state?
  • Why am I required to buy liability insurance?
  • Am I covered when driving a rental car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Insurance specifics

Learning about specific coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, vandalism, damage from getting keyed and hail damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage will pay to fix damage to your Impreza from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, colliding with a tree, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for dental work, surgery, rehabilitation expenses and funeral costs. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, emergency aid, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Subaru Impreza.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Find Good Coverage for Less

You just read a lot of ways to shop for 1993 Subaru Impreza insurance online. The key thing to remember is the more you quote car insurance, the higher the chance of saving money. You may be surprised to find that the lowest rates are with the smaller companies.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

People switch companies for any number of reasons including unfair underwriting practices, poor customer service, extreme rates for teen drivers and even high prices. It doesn’t matter what your reason, switching auto insurance companies is not as hard as you think.

To read more, take a look at the articles below: