Save on 2011 Subaru Impreza Insurance Cost

Buyers have many options when searching for the best price on Subaru Impreza insurance. You can either waste hours driving around to compare prices or utilize the internet to get rate quotes.

There is a right way and a wrong way to shop for insurance so we’re going to tell you the absolute fastest way to compare rates for a Subaru and obtain the cheapest rates.

How to get affordable insurance

Cutting your insurance rates is surprisingly easy. All you need to do is take a few minutes comparing price quotes to discover which company has affordable auto insurance quotes. This can easily be done by following the guidelines below.

  1. The recommended way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating repetitive form submissions for each company. Filling out one form will get you price quotes from all major companies. Just one form and you’re done.
  2. Another way to analyze rates requires a visit to each individual company website to request a price quote. For sake of this example, we’ll pretend you want to compare rates from GEICO, 21st Century and American Family. To find out each rate you need to go to each individual site and repeatedly enter your information, which is why the first method is more popular. For a list of companies in your area, click here.
  3. The most time-consuming way to compare price quotes is to waste gas driving to insurance agents’ offices. Comparing rates online has reduced the need for local agents unless your situation requires the professional advice that only a licensed agent can provide. Drivers can compare online quotes and have a local agent actually service the policy.

The approach you take is up to you, just do your best to use nearly identical information for each quote you get. If you compare different limits and deductibles on each one it will be very difficult to find the best deal for your Subaru Impreza.

Brand name doesn’t guarantee savings

Consumers get pounded daily by advertisements that claim the best prices from the likes of 21st Century, Allstate and State Farm. They all advertise the message of big savings just by moving to them.

Is it even possible that every company can charge you a lower premium? Just pay attention to how they say it.

Insurance companies can use profiling for the type of insured that will add to their bottom line. For example, a profitable risk profile may need to be between the ages of 30 and 50, has few claims, and has a short commute. A customer that matches those criteria receives the best car insurance rates and therefore will save a lot of money.

Potential insureds who fall outside those standards will get a higher premium which leads to the customer not buying. Company advertisements say “customers who switch” but not “everyone who gets a quote” save that kind of money. That’s why companies can truthfully lure you into getting a quote.

That is why you really should get auto insurance quotes as often as possible. It is just not possible to predict which company will provide you with the cheapest car insurance rates.

Car insurance policy discounts you can’t miss

Car insurance can cost a lot, but there could be significant discounts that you may not even know about. Certain discounts will be applied at the time of purchase, but some may not be applied and must be requested specifically before you will receive the discount. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.

  • Auto/Home Discount – When you combine your homeowners and auto insurance with the same company you may save at least 10 to 15 percent or more.
  • Mature Driver Discount – Seniors may qualify for lower premium rates on Impreza coverage.
  • Renewal Discounts – A few larger companies give discounts for signing up before your current policy expires. This discount can save up to 10%.
  • Driver Training Discounts – Taking part in a defensive driver course can save you 5% or more if your company offers it.
  • College Student Discount – who are enrolled in a college that is more than 100 miles from home and don’t have a car can receive lower rates.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out a life policy as well.

Consumers should know that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, that’s just not realistic.

A partial list of companies that may offer quotes with some of the above discounts include:

Before you buy a policy, ask every insurance company how you can save money. Some of the earlier mentioned discounts might not be offered in your state. If you would like to see a list of car insurance companies who offer car insurance discounts, click here to view.

Insurance agents can help

When buying proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions could help you determine if you would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • Are split liability limits better than a combined single limit?
  • Is a fancy paint job covered?
  • Is there coverage for injuries to my pets?
  • Do I have any recourse if my insurance company denies a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • What is the minimum liability in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage if my license is suspended?
  • Can I afford to buy a different vehicle if my 2011 Subaru Impreza is totaled?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Coverage specifics

Understanding the coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Auto liability insurance – This coverage protects you from damage or injury you incur to other people or property. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as doctor visits, pain medications, prosthetic devices and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, theft, damage from a tornado or hurricane, damage from flooding and vandalism. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision – This pays for damage to your Impreza caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, crashing into a building, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Subaru Impreza.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Make an honest buck

When getting auto insurance quotes online, never skimp on coverage in order to save money. In too many instances, an accident victim reduced full coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

Throughout this article, we presented many ways to shop for 2011 Subaru Impreza insurance online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

More affordable auto insurance can be sourced from both online companies as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not provide rates over the internet and many times these regional carriers provide coverage only through independent agents.

More detailed auto insurance information can be read at these sites: