Cheap 1997 Subaru Impreza Insurance Cost

Are you sick and tired of scraping nickels together to keep your car insured? You’re in the same situation as millions of other drivers. Big-name insurance companies like GEICO, Farmers Insurance and State Farm all claim big savings with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

If you have a policy now or are shopping for new coverage, you can learn to find better prices while maximizing coverage. Finding the best rates is not that difficult. Drivers just need to know how to shop online.

Cheapest insurance coverage rate quotes

Getting cheap 1997 Subaru Impreza insurance coverage pricing can be quick and easy. Just spend a little time getting comparison quotes online with multiple companies. You can get a good selection of rate quotes by using one of the methods below.

1. If you’re in a hurry, the quickest way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This style of form saves time by eliminating repetitive form submissions for each company you want a rate for. One form gets coverage cost estimates from insurance coverage companies with the best prices.
2. Another way to find better pricing consists of going to the website for every company you want to comare and fill out a new quote form. For instance, we’ll pretend you are doing a rate comparison from Allstate, Safeco and GMAC. You would be required to visit each site to enter the same coverage data repeatedly, which can get old fast.

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

3. The last way to find cheaper rates is making phone calls or going to insurance agencies in your area. The fact that you can get quotes online eliminates this option unless you require the trained guidance of an agent trained in personal lines coverage. You can, however, price shop your coverage online but have a local agent actually write the policy.

The method you choose is up to you, but be sure to compare identical coverages for each quote you get. If the quotes have differing limits it will be nearly impossible to get a fair rate comparison.

Do I just need basic coverages?

When buying the best car insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can aid in determining if your situation might need professional guidance.

• Is motorclub coverage worth it?
• Can I rent a car in Mexico?
• Can I afford low physical damage deductibles?
• I have a DUI can I still get coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Does my 1997 Subaru Impreza qualify for pleasure use?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Parts of your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for liability

This protects you from damage or injury you incur to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like bail bonds, loss of income, legal defense fees, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Med pay and PIP coverage kick in for bills like pain medications, surgery, X-ray expenses, funeral costs and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from flooding, a broken windshield, hail damage and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Subaru Impreza.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.