2008 Subaru Impreza Car Insurance Rates – 7 Policy Discounts

Searching for better auto insurance rates for your Subaru Impreza? Having to pay for pricey Subaru Impreza insurance can take a big chunk out of your budget and force you to make tough financial choices. Comparing rates annually is an excellent way to ensure you are getting the best deal.

With so many options when it comes to auto insurance, it is hard for the average consumer to choose a lower cost insurance company.

You should take the time to quote other rates periodically because auto insurance rates change frequently. If you had the lowest premium rates on Impreza insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the quickest ways to reduce your cost while increasing coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a current insurance coverage policy or are just looking to switch companies, you can learn to cut your premiums and possibly find even better coverage. Consumers only need an understanding of the tricks to compare company rates over the internet.

The quickest method we recommend to compare rates is to take advantage of the fact most of the larger companies provide online access to compare rate quotes. All consumers are required to do is take a few minutes to give details such as what you do for a living, if you have a valid license, whether you are single or married, and level of coverage desired. Your rating data is instantly sent to insurance carriers in your area and they return rate quotes quickly.

To compare rates for your 2008 Subaru Impreza now, click here then complete the form.

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Insurance discounts are available to lower your rates

Companies offering auto insurance do not advertise every discount they offer in a way that’s easy to find, so the following is a list of both well-publicized as well as some of the hidden discounts you could be receiving when you buy auto insurance online. If you’re not getting every credit you qualify for, you could be paying more than you need to.

  • Military Rewards – Being on active duty in the military may lower your rates slightly.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
  • Telematics Devices – Drivers that enable driving data submission to analyze driving patterns by using a telematics device in their vehicle like Allstate’s Drivewise could see a rate decrease if they are good drivers.
  • Discounts for Government Workers – Federal government employees could cut as much as 10% off on Impreza insurance but check with your company.
  • Club Memberships – Being in specific professional or occupational memberships or organizations can get you a small discount on your next renewal.
  • Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can actually save on your bill.
  • Multi-line Discount – If the company offers life insurance, you could get a break if you buy auto and life insurance together.

Please keep in mind that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride.

A few popular companies and the discounts they provide can be found below.

  • Progressive has discounts for multi-policy, online quote discount, multi-vehicle, online signing, homeowner, good student, and continuous coverage.
  • MetLife may have discounts that include good driver, defensive driver, claim-free, good student, accident-free, and multi-policy.
  • Mercury Insurance may offer discounts for anti-theft, annual mileage, good driver, professional/association, and low natural disaster claims.
  • Nationwide may include discounts for easy pay, family plan, multi-policy, good student, business or organization, defensive driving, and Farm Bureau membership.
  • GEICO offers premium reductions for emergency military deployment, military active duty, daytime running lights, anti-theft, and driver training.
  • AAA includes discounts for multi-policy, pay-in-full, multi-car, good student, AAA membership discount, and anti-theft.

If you want inexpensive auto insurance quotes, ask each insurance company the best way to save money. Some of the discounts discussed earlier might not be available to policyholders in every state. To view insurance companies with significant discounts, follow this link.

Everyone needs different insurance coverages

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions might point out whether you might need professional guidance.

  • Does my 2008 Subaru Impreza qualify for pleasure use?
  • At what point should I drop full coverage?
  • Am I covered if hit by an uninsured driver?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need an umbrella policy?
  • Should I get collision insurance on every vehicle?
  • Does car insurance cover theft of personal property?
  • Does coverage extend to Mexico or Canada?
  • Are my friends covered when driving my 2008 Subaru Impreza?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance specifics

Understanding the coverages of insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix 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 rock chips in glass, vandalism, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – Collision insurance covers damage to your Impreza resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Liability coverages – This protects you from damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like funeral expenses, repair costs for stationary objects, legal defense fees, loss of income and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Impreza.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for funeral costs, pain medications, doctor visits and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

In Summary

Cheaper 2008 Subaru Impreza insurance is available on the web in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not have internet price quotes and many times these regional carriers sell through independent agents.

You just learned many ways to reduce 2008 Subaru Impreza insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding inexpensive auto insurance. You may even discover the most savings is with some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

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