View 2006 Subaru Impreza Car Insurance Rates

No car owner looks forward to paying premiums for auto insurance, in particular when they could find lower prices if they just compared rates. Due to the fact that there are so many companies and agents to choose from, it’s nearly impossible to pick the cheapest auto insurance company.

What determines Subaru Impreza insurance premiums?

When buying auto insurance it’s important to understand the different types of things that come into play when calculating your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can help you get better auto insurance rates.

  • Careless driving means higher prices – Having just one speeding ticket can increase the cost of insurance forty percent or more. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. People who have dangerous violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Multi-policy discounts can save money – Many auto insurance companies provide discounts to people that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, you may still want to shop around to confirm you are receiving the best rates possible.
  • Liability protection is peace of mind – The liability section of your policy will protect you if ever you are determined to be liable for an accident. Liability insurance provides you with a defense in court which can cost a lot. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.
  • Premiums drop with age – Drivers with little experience are proven to get distracted easily in a vehicle and because of this, their auto insurance rates are much higher. Older people are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Do you work long hours in a stressful employer? – Careers like military personnel, executives and accountants usually pay higher premiums than the average policyholder because of job stress and long work days. On the other hand, occupations like scientists, historians and performers pay lower than average rates for Impreza insurance.
  • A good credit history can save money – An insured’s credit score factor in your rate calculation. If your credit rating is low, you could potentially save money when insuring your 2006 Subaru Impreza by repairing your credit. Insureds that have high credit ratings tend to be more responsible than drivers who have worse credit.

Don’t miss these money-saving discounts

Car insurance companies don’t always advertise the entire discount list in a way that’s easy to find, so we researched some of the more common as well as the least known discounts that you may qualify for.

  • Discount for Life Insurance – Some car insurance companies give a break if you buy some life insurance in addition to your auto policy.
  • E-sign Discounts – A few companies will provide an incentive get insurance on the internet.
  • Driver Safety – Taking part in a class that teaches defensive driving techniques could earn you a small percentage discount if you qualify.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off for Impreza insurance depending on your car insurance provider.
  • Bundle and Save – If you can combine your auto and homeowners policy with the same company you may earn at least 10% off all policies.
  • First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
  • Pay Early and Save – By making one initial payment instead of monthly or quarterly installments you may have a lower total premium amount.
  • Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a insurance quote for Impreza insurance.
  • Switch and Save Discount – A few companies allow discounts for buying a new policy prior to your current policy expiring. Ten percent is about the average savings.
  • Organization Discounts – Having an affiliation with a civic or occupational organization may earn a discount on your bill.

Please keep in mind that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

Larger car insurance companies and a summarized list of policyholder discounts can be read below.

  • Progressive has savings for multi-policy, continuous coverage, good student, multi-vehicle, homeowner, online signing, and online quote discount.
  • The Hartford may include discounts for vehicle fuel type, bundle, driver training, air bag, and defensive driver.
  • Mercury Insurance may offer discounts for type of vehicle, multi-car, good driver, ease of repair, anti-theft, location of vehicle, and annual mileage.
  • GEICO policyholders can earn discounts including emergency military deployment, anti-theft, five-year accident-free, seat belt use, and air bags.
  • AAA includes discounts for anti-theft, pay-in-full, good student, AAA membership discount, multi-car, and good driver.
  • State Farm may have discounts that include anti-theft, Drive Safe & Save, accident-free, driver’s education, defensive driving training, passive restraint, and safe vehicle.

When quoting, ask each company how many discounts you can get. Some of the earlier mentioned discounts might not apply everywhere. To see a list of insurers who offer online car insurance quotes, click here to view.

Misconceptions in insurance coverage advertisements

Consumers can’t avoid all the ads that claim the cheapest car insurance rates from the likes of Allstate, GEICO and Progressive. They all seem to convey the message about saving some big amount if you just switch to their company.

How is it plausible that every one can sell you cheaper insurance coverage? It’s all in the words they use.

All companies have an ideal profile for the type of driver that will most likely be profitable. An example of this type of insured should be over the age of 45, has few claims, and the vehicle is rated for pleasure use. Any driver who matches those parameters may get the lowest prices and will most likely save some money.

Potential customers who don’t meet these standards will get higher premiums which results in business going elsewhere. The wording the ads use say “people that switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can lure you into getting a quote. Because each company has a different risk profile, drivers must get insurance quotes as often as possible. It is impossible to predict which company will have the best rates.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

  • What is covered by UM/UIM coverage?
  • Does coverage extend to Mexico or Canada?
  • Will I lose any money if I cancel my policy before it expires?
  • What if I owe more than I can insure my car for?
  • Which companies will insure high-risk drivers?
  • How many claims can I have before being cancelled?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Auto insurance coverage breakdown

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, hitting a deer, rock chips in glass, damage from getting keyed and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Subaru Impreza.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, crashing into a building and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as funeral costs, prosthetic devices, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability – This can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as attorney fees, funeral expenses, pain and suffering and structural damage. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Be a money saver!

Cheap 2006 Subaru Impreza insurance can be found online as well as from independent agents, and you should compare rates from both so you have a total pricing picture. Some auto insurance companies may not have price quotes online and many times these small insurance companies provide coverage only through independent agents.

We just covered a lot of information how to get a better price on 2006 Subaru Impreza insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheaper insurance. Drivers may discover the lowest rates come from a lesser-known regional company. They may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

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