How Much Does 2007 Subaru Impreza Insurance Cost?

Buyers have options when searching for the lowest priced Subaru Impreza insurance. You can either spend your time driving around getting price quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the absolute fastest way to quote coverages for your Subaru and get the lowest possible price.

It is always a good idea to take a look at other company’s rates at least once a year since insurance prices change quite often. Just because you had the best deal on Impreza coverage a couple years back a different company probably has better rates today. Block out anything you think you know about insurance coverage because we’re going to show you the right way to find better rates and still maintain coverage.

The purpose of this post is to teach you how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Drivers just need to know the proper methods to compare price quotes online.

How to lower your insurance cost

Most of the larger companies provide price estimates on the web. Comparing prices online is quite simple as all you need to do is type in your required coverages into the quote form. After you submit the form the system orders reports for credit and driving violations and returns pricing information.

Online quotes makes it a lot easier to compare rates but the time it takes to visit different websites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to have as many quotes as possible if you want to find the lowest insurance rates.

The preferred way to compare insurance pricing uses one simple form that gets prices from several different companies. This type of form saves time, requires less work, and makes online price comparison a lot less work. Immediately after you send the form, it gets priced and you are able to buy any of the quotes returned.

If you find a better price you can click and sign and purchase coverage. This process takes 15 minutes at the most and may save quite a bit of money.

To quickly fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you duplicate the coverage information exactly as shown on your declarations page. This makes sure you will have a price comparison for similar coverage.

Lower rates by qualifying for discounts

Car insurance is expensive, but you can get discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings.

• Defensive Driver – Successfully completing a course in defensive driver could cut 5% off your bill if your company offers it.
• Theft Deterent System – Cars and trucks with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Renewal Discounts – Some larger companies provide a discount for signing up before your current coverage expires. It can save you around 10%.
• Government Employee Discount – Federal government employees could cut as much as 10% off on Impreza coverage but check with your company.
• Drive Less and Save – Low annual miles may allow you to get substantially lower premium rates.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free car insurance policy, nobody gets a free ride.

Large car insurance companies and their possible discounts are shown below.

• Esurance offers discounts for multi-car, online shopper, renters, defensive driver, and multi-policy.
• The Hartford has discounts for defensive driver, good student, air bag, bundle, driver training, and vehicle fuel type.
• AAA offers premium reductions for good student, multi-policy, education and occupation, good driver, multi-car, and anti-theft.
• GEICO policyholders can earn discounts including good student, federal employee, multi-policy, emergency military deployment, and daytime running lights.
• State Farm may offer discounts for accident-free, passive restraint, multiple policy, Drive Safe & Save, defensive driving training, student away at school, and multiple autos.

It’s a good idea to ask each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your area. To choose insurers with the best car insurance discounts, click here.

Car insurance is unique, just like you

When buying coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if your situation could use an agent’s help.

• Should I have combined single limit or split liability limits?
• Does coverage extend to a rental car in a foreign country?
• Which companies will insure high-risk drivers?
• Is my cargo covered for damage or theft?
• Am I covered if I wreck a rental car?
• Exactly who is provided coverage by my policy?
• Do all my vehicles need collision coverage?
• Is my dog or cat covered if injured in an accident?
• Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Coverages available on your policy

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision – Collision coverage covers damage to your Impreza caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverages – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2007 Subaru Impreza.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Coverage for medical payments – Med pay and PIP coverage kick in for bills for things like hospital visits, EMT expenses, ambulance fees, funeral costs and X-ray expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for liability – This provides protection from damage that occurs to other’s property or people in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like pain and suffering, repair bills for other people’s vehicles and court costs. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.