Save on 1995 Subaru Impreza Insurance Rates

Consumers have a choice when looking for low-cost Subaru Impreza insurance. They can either spend hours driving around to get rate comparisons or use the internet to make rate comparisons.

There are more efficient ways to compare insurance rates so you’re going to learn the absolute fastest way to compare rates for a new or used Subaru and find the lowest price from both online companies and local agents.

It’s a great practice to compare rates at least once a year because insurance prices fluctuate regularly. Despite the fact that you may have had the lowest price on Impreza insurance a year ago you will most likely find a better rate quote today. Ignore everything you know about insurance because you’re going to learn the best methods to find better rates and still maintain coverage.

If you have a policy now or need new coverage, you can use this information to reduce the price you pay and still get good coverage. This information will teach you the most effective way to quote insurance. Vehicle owners only need to know how to shop for insurance coverage online.

Find hidden discounts on insurance

Insurance is neither fun to buy or cheap, but you can get discounts that you may not know about. Some trigger automatically at the time of quoting, but once in a while a discount must be requested specifically prior to receiving the credit.

  • College Student – Children who attend college more than 100 miles from home and leave their car at home could get you a discount.
  • Good Student Discount – This discount may save you up to 25%. The discount lasts up to age 25.
  • Low Miles Discount – Low mileage vehicles may allow you to get lower premium rates due to less chance of an accident.
  • Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could save approximately 10% to 15%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Early Signing – Some larger companies provide a discount for switching policies before your current policy expires. This discount can save up to 10%.
  • No Accidents – Insureds with no claims or accidents have much lower rates in comparison to bad drivers.
  • Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.
  • Active Service Discounts – Having a deployed family member could be rewarded with lower insurance rates.

As a sidenote, most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount will bring down the amount you pay for coverage.

A list of companies and the discounts they provide are included below.

  • State Farm policyholders can earn discounts including anti-theft, Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, good driver, defensive driving training, and good student.
  • Farmers Insurance may have discounts that include pay in full, business and professional, youthful driver, multi-car, good student, alternative fuel, and homeowner.
  • GEICO discounts include military active duty, good student, air bags, membership and employees, and multi-policy.
  • American Family offers discounts for good student, good driver, multi-vehicle, early bird, and mySafetyValet.
  • Nationwide may include discounts for accident-free, easy pay, good student, family plan, and Farm Bureau membership.
  • Progressive includes discounts for multi-vehicle, online quote discount, online signing, good student, homeowner, multi-policy, and continuous coverage.

If you need lower rates, check with each insurance company to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in your state. To choose insurance companies who offer insurance discounts, follow this link.

Learn how to get insurance coverage for less

A large part of saving on insurance coverage is knowing some of the elements that come into play when calculating insurance coverage rates. If you have a feel for what determines premiums, this enables informed choices that may result in better insurance coverage rates.

The itemized list below are a few of the “ingredients” utilized by car insurance companies to help set your premiums.

  • Liability coverage – The liability coverage on your policy kicks in if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
  • City dwellers may pay more – Being located in small towns and rural areas has definite advantages when trying to find low car insurance rates. Lower population corresponds to lower accident rates. People who live in big cities have congested traffic and much longer commute distances. More time commuting can result in more accidents.
  • You might have higher premiums if you are single – Walking down the aisle may earn you lower rates when buying insurance coverage. Having a significant other usually means you are more financially stable and statistics prove married drivers tend to have fewer serious accidents.
  • Too many insurance claims drive up premiums – Insurance companies award better rates to drivers that do not abuse their auto insurance. If you are a frequent claim filer, you can expect higher rates. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • Improve your credit score and save – Having a bad credit history factor in determining what you pay for insurance coverage. Insureds that have high credit scores tend to file fewer claims than drivers who have poor credit scores. Therefore, if your credit rating is not that good, you could save money insuring your 1995 Subaru Impreza by improving your rating.
  • Mature drivers pay less – Older drivers are more responsible, cost insurance companies less in claims , and usually have better credit.Young drivers are statistically shown to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher.
  • Your career may increase prices – Did you know your job can affect your rates? Careers such as lawyers, executives and accountants tend to pay higher premiums than the average policyholder due to intense work situations and long work days. Conversely, careers like scientists, athletes and retirees generally pay rates lower than average on Impreza insurance.
  • Extra coverages can cost a lot – There are many extra coverages that can add up when buying insurance coverage. Insurance for replacement cost coverage, better glass coverage, and term life insurance could be just wasting money. The coverages may be enticing when deciding what coverages you need, but if you have no use for them eliminate the coverages to reduce your premium.

Tailor your car insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help highlight whether you would benefit from professional advice.

  • Do I pay less if my vehicle is kept in my garage?
  • How do I buy GAP insurance?
  • What discounts do I qualify for?
  • Can I afford to pay high deductible claims out of pocket?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • Do I need rental car coverage?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance policy specifics

Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage

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

Comprehensive can pay for things such as fire damage, damage from getting keyed, a broken windshield and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses for things like dental work, X-ray expenses, chiropractic care and funeral costs. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as legal defense fees, pain and suffering, repair costs for stationary objects, structural damage and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your 1995 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Auto collision coverage

This coverage pays for damage to your Impreza resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

More comparisons equals lower rates

People who switch companies do it for a number of reasons such as delays in responding to claim requests, denial of a claim, unfair underwriting practices or even policy non-renewal. It doesn’t matter what your reason, choosing a new company can be easier than you think.

When shopping online for insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The aim is to find the BEST coverage for the lowest price.

Some companies may not offer price quotes online and many times these small, regional companies work with local independent agents. Lower-priced 1995 Subaru Impreza insurance can be sourced on the web as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money.

Additional insurance coverage information is located at the links below