2010 Subaru Impreza Car Insurance Rates

Looking for the cheapest insurance rates for your Subaru Impreza? Trying to find more affordable Driversinsurance might be challenging for drivers new to online rate comparisons. With more and more companies in the marketplace, it can easily become a difficult mission to compare prices.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. This article will introduce you to the most effective way to quote insurance and some tricks to saving. But car owners benefit from understanding how companies market insurance on the web.

Take policy discounts and save

Companies don’t always publicize all possible discounts very clearly, so the below list has a few of the more well known and the more hidden savings tricks you should be using when you buy insurance coverage online.

  • Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off PIP or medical payments premium.
  • Driver’s Ed – Teen drivers should complete a driver education course as it can save substantially.
  • Distant Student Discount – Kids who live away from home to go to college and don’t have a car could qualify for this discount.
  • Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% for Impreza coverage with certain companies.
  • Safe Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates for Impreza coverage as compared to drivers with claims.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars on a single policy qualifies for this discount.
  • Discount for Low Mileage – Maintaining low annual mileage could earn lower premium rates due to less chance of an accident.

A quick disclaimer, some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think you can get free auto insurance, that’s just not realistic.

If you would like to see a list of insurance companies offering insurance discounts, follow this link.

Free auto insurance quotes

There are a variety of methods to compare auto insurance quotes, but there is one way that is easier and takes less work. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

All the larger companies belong to a marketplace where insurance shoppers submit one quote, and every company provides a quote determined by their information. This saves time by eliminating repetitive form submissions to every company.

To enter your information into the quoting system, click here to start a free quote.

The single downside to comparing rates this way is buyers cannot specifically choose the insurers to receive prices from. So if you want to select from a list of companies to compare prices, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare equivalent coverages and limits for each price quote. If the quotes have different values for each quote it’s not possible to truly determine the lowest rate. Having just a slight variation in insurance coverages could skew the results. And when quoting auto insurance, remember that obtaining a wide range of quotes will improve the odds of getting a better price. Not every company provides quotes online, so it’s necessary to compare price estimates from the smaller companies as well.

Subaru Impreza insurance rate factors

Many factors are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, but other factors are more obscure like your vehicle usage or your vehicle rating.

Listed below are most of the major factors that factor into rates.

  • A good credit score can save money – Having a good credit score factor in determining what you pay for insurance. Therefore, if your credit history can use some improvement, you could be paying less to insure your 2010 Subaru Impreza by taking the time to improve your credit score. People with very high credit ratings tend to be less risk to insure than those with worse credit.
  • Driving citations drive up rates – Your driving record has a big impact on rates. Just one chargable violation may cause rates to rise by twenty percent. Drivers who don’t get tickets pay less for auto insurance than bad drivers. Drivers who have gotten license-revoking tickets like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Females tend to cost less – Statistics show women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Males and females are in accidents at about the same rate, but the males tend to have more serious accidents. Men also get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Age of drivers impacts prices – Young drivers have been known to be less responsible in a vehicle and because of this, their insurance rates are much higher. Older, more experienced drivers tend to be more responsible, are lower risk to insure , and usually have better credit.
  • Always have insurance – Allowing your insurance policy to lapse can be a sure-fire way to increase your rates. In addition to paying higher rates, being ticketed for driving with no insurance will get you fines or a revoked license.
  • Your liability coverage limits – Your insurance policy’s liability coverage will afford coverage if ever a court rules you are at fault for personal injury or accident damage. Liability provides legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should carry high limits.
  • Insurance rates in urban areas – Living in less populated areas may provide you with better prices when it comes to insurance. Fewer drivers translates into fewer accidents and a lower car theft rate. City drivers regularly have traffic congestion and more severe claims. More time commuting means more chances of being involved in an auto accident.
  • Multi-policy discounts can save money – Some companies provide a discount to buyers who consolidate policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, consumers should still get quotes from other companies to verify if the discount is saving money. You may still be able to save even more than the discount even if you insure with multiple companies

Which policy gives me the best coverage?

When buying the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether you might need professional guidance.

  • What is the minimum liability in my state?
  • Am I covered if I break a side mirror?
  • Do I pay less for low miles?
  • When would I need rental car insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my 2010 Subaru Impreza covered for smoke damage?
  • Is motorclub coverage worth it?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Insurance coverage advertising gotchas

Well-known insurance coverage companies like State Farm and Allstate consistently run ads on TV and radio. All the ads advertise claims about how much you will save after switching your policy. How does every insurance coverage company sell you cheaper insurance coverage?

Insurance companies have specific guidelines for the type of driver that will most likely be profitable. One example of a driver they prefer may be married and over the age of 30, has a clear driving record, and has a high credit rating. A driver who matches that profile is entitled to the best price and have a good chance to save some money.

Potential insureds who do not meet those criteria will probably have to pay a higher rate which leads to the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” save that much. That’s why companies can advertise the savings.

Because of the profiling, drivers should get insurance coverage quotes from several different companies. It is impossible to guess which insurance companies will have the lowest rates.

Auto insurance coverages

Knowing the specifics of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability coverages

Liability insurance can cover damage or injury you incur to other people or property. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, emergency aid, legal defense fees and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, hitting a bird, rock chips in glass, damage from flooding and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as dental work, funeral costs and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision insurance

This pays for damage to your Impreza from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Subaru Impreza.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

The bottom line

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. In many cases, someone dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at an affordable rate.

Drivers switch companies for a number of reasons such as questionable increases in premium, unfair underwriting practices, denial of a claim or policy cancellation. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

In this article, we presented many tips how you can get a better price on 2010 Subaru Impreza insurance. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable insurance coverage. You may even find the best price on insurance coverage is with the least-expected company.

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