Cheaper 1998 Subaru Impreza Insurance Rates

Shopping for the lowest price auto insurance can appear to be rather challenging for drivers who are beginners to quoting and buying their auto insurance on the internet. With such a large number of companies in the marketplace, how can you possibly compare the different rates to find the best pricing?

It’s smart to shop coverage around yearly because insurance prices are rarely the same from one policy term to another. Even if you got the best price for Impreza insurance on your last policy a different company probably has better rate quotes today. You can search a lot of auto insurance on the internet, but by reading this article, you’re going to learn a bunch of ideas how to find cheap auto insurance.

Are you getting every discount?

Insurance is not an enjoyable expense, but companies offer discounts that you may not know about. Some discounts apply automatically when you quote, but some may not be applied and must be requested specifically before you will receive the discount.

  • College Student Discount – Any of your kids who are attending college and leave their car at home may qualify for this discount.
  • Driver Education Discount – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
  • Waiver for an Accident – This one isn’t a discount, but certain companies may permit one accident without the usual rate increase so long as you are claim-free before the accident.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts of 20% or more.
  • Bundled Policy Discount – If you can bundle your homeowners and auto insurance with the same company you could save 10% to 20% off each policy.
  • Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease for Impreza insurance depending on your company.

Keep in mind that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

A list of companies and their offered discounts can be found below.

  • State Farm offers premium reductions for Drive Safe & Save, safe vehicle, good student, good driver, passive restraint, and multiple policy.
  • Progressive may include discounts for online quote discount, good student, continuous coverage, multi-policy, homeowner, and online signing.
  • Progressive offers discounts including multi-policy, good student, multi-vehicle, online quote discount, continuous coverage, and online signing.
  • MetLife offers discounts for defensive driver, good student, claim-free, good driver, multi-policy, accident-free
  • Farm Bureau has savings for renewal discount, good student, youthful driver, driver training, and multi-vehicle.
  • GEICO policyholders can earn discounts including emergency military deployment, good student, military active duty, multi-vehicle, air bags, and five-year accident-free.
  • SAFECO includes discounts for teen safety rewards, anti-theft, bundle discounts, teen safe driver, and drive less.

When comparing rates, check with all companies you are considering the best way to save money. Depending on the company, some discounts may not apply in your area. To locate insurance companies with significant discounts, click here to view.

Compare insurance price quotes

Performing a rate comparison can take time and effort if you don’t know the most efficient way to do it. You could waste a few hours driving to insurance companies in your area, or you could save time and use online quoting to maximize your effort.

Many of the larger companies enroll in a system where insurance shoppers enter their policy data once, and every company returns a rated price. This system prevents you from having to do repetitive form submissions for each company.

To find out what other companies charge click here to start a free quote.

The single downside to using this type of system is you don’t know exactly which carriers you want to price. If you would rather choose specific providers to compare rates, we have assembled a list of companies who write insurance in your area. Click here to view list.

Take whichever approach you prefer, but double check that you are using equivalent quote data with every price quote. If your comparisons have different values for each quote it will be impossible to determine which company has the best rates. Just a small difference in limits may result in large price differences. Keep in mind that making a lot of price comparisons gives you a better chance of getting more affordable insurance.

When in doubt talk to an agent

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

For example, these questions could help you determine if your situation would benefit from professional advice.

  • What exactly is covered by my policy?
  • I have a DUI can I still get coverage?
  • Do I need more liability coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Can I afford low physical damage deductibles?
  • Do all my vehicles need collision coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Specifics of your insurance policy

Having a good grasp of your insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

UM/UIM Coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Subaru Impreza.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, damage from a tornado or hurricane, a broken windshield, hail damage and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses like rehabilitation expenses, doctor visits and surgery. The coverages can be 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 not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

This coverage will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like loss of income, court costs and medical expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision protection

Collision coverage covers damage to your Impreza resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

A tidy conclusion

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where someone sacrificed physical damage coverage only to regret they didn’t purchase enough coverage. Your focus should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

We’ve covered some good ideas how to compare 1998 Subaru Impreza insurance premium rates online. It’s most important to understand that the more times you quote, the better your comparison will be. You may even find the lowest premium rates come from the smaller companies.

Cheaper auto insurance can be sourced from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get quotes online and these smaller companies only sell through independent agents.

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