2012 Subaru Impreza Insurance Cost

Trying to find better insurance coverage rates for your Subaru Impreza? Paying for high-priced Subaru Impreza insurance can sap your budget and force you to make sacrifices. Comparing price quotes is a smart way to cut your insurance bill.

Lots of insurers contend to insure your vehicles, and because of this it can be hard to compare insurers and get the definite best price available.

If you have a policy now or are looking for a new policy, you can follow these tips to cut your premiums and still get good coverage. Finding affordable coverage is quite easy. Drivers just need to learn the proper way to compare price quotes over the internet.

Use discounts on insurance coverage

Buying insurance coverage is not cheap, but you can get discounts that many consumers don’t even know exist. Some discounts apply automatically at the time you complete a quote, but a few need to be inquired about prior to receiving the credit.

  • Online Discount – Some larger companies will give a small break shop insurance coverage on the web.
  • Bundled Policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you could save approximately 10% to 15%.
  • Distant Student – Any of your kids who attend college more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft so companies will give you a small discount.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may enable drivers to earn lower premium rates due to less chance of an accident.
  • New Vehicle Savings – Adding a new car to your policy may earn a small discount since newer vehicles are generally safer.
  • Defensive Driver Discounts – Completing a class that teaches defensive driving techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Accident Free – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote when compared with drivers with a long claim history.
  • Good Student Discount – Being a good student may save you up to 25%. Most companies allow this discount up to age 25.

Remember that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

Large insurance coverage companies and a partial list of their discounts are detailed below.

  • State Farm has savings for driver’s education, passive restraint, multiple autos, Drive Safe & Save, student away at school, safe vehicle, and multiple policy.
  • Liberty Mutual discounts include exclusive group savings, preferred payment discount, newly married, new move discount, and new vehicle discount.
  • American Family offers premium reductions for bundled insurance, good student, TimeAway discount, defensive driver, and good driver.
  • Progressive may have discounts that include online quote discount, multi-policy, continuous coverage, online signing, multi-vehicle, good student, and homeowner.
  • Farmers Insurance policyholders can earn discounts including distant student, teen driver, switch companies, multi-car, and youthful driver.
  • Auto-Owners Insurance has discounts for anti-theft, paid in full, safe vehicle, paperless, teen driver, and student away at school.
  • SAFECO may include discounts for homeowner, multi-car, safe driver, accident prevention training, anti-lock brakes, and anti-theft.

When getting free insurance coverage quotes, it’s a good idea to every insurance company to apply every possible discount. A few discounts may not apply to policyholders in your area. If you would like to view providers that offer the discounts shown above, click here.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining if your situation could use an agent’s help.

  • How many claims can I have before being cancelled?
  • Can I afford to buy a different vehicle if my 2012 Subaru Impreza is totaled?
  • Do I have newly-aquired coverage?
  • Are rental cars covered under my policy?
  • Will my insurance pay for OEM parts?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

But they said I’d save $433 a year!

Consumers can’t ignore all the ads that claim the lowest car insurance rates by companies like State Farm, GEICO and Progressive. All the ads try to convey promises that people will save if you move your auto insurance policy to them.

How can each company claim to save you money? Here is the trick they use.

Auto insurance companies have an ideal profile for the right customer that will be a good risk. A good example of a driver they prefer might be described as between 25 and 40, is a homeowner, and insures a new vehicle. Any new insured who fits those characteristics will get low premium rates and have a good chance to save if they switch.

Drivers who fall outside those criteria may receive a more expensive rate which results in the customer not purchasing. If you pay attention, the ads say “customers who switch” not “everybody who quotes” save that much when switching. This is how insurance companies can confidently make those claims. Because of this risk profiling, you need to get as many free insurance coverage quotes as possible. It is impossible to guess with any certainty which company will have the best premium rates at this point in time.

Coverages available on your policy

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by auto insurance companies.

Auto liability insurance

This can cover damage or injury you incur to a person or their property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as bail bonds, medical expenses, legal defense fees, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, falling objects, vandalism and damage from flooding. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

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.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses such as ambulance fees, X-ray expenses, nursing services, surgery and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision insurance

Collision insurance pays for damage to your Impreza resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Save your hard earned cash

Budget-friendly insurance can be found on the web in addition to local insurance agencies, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. A few companies may not offer the ability to get a quote online and usually these smaller companies provide coverage only through independent agents.

When searching for cheap insurance coverage quotes, do not reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits only to discover later that it was a big error on their part. Your aim should be to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

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