Cheap 2013 Subaru Impreza Insurance Rates

Trying to find the cheapest car insurance rates for your Subaru Impreza? Searching for the cheapest insurance for your Subaru Impreza can turn out to be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to find car insurance online so we’re going to tell you the best way to price shop coverage for your Subaru and find the best price possible.

Consumers should take time to compare prices as often as possible because car insurance rates change frequently. Just because you had the best deal on Impreza coverage at your last renewal you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re going to get a crash course in the right way to lower your annual insurance bill.

First Step: Get free auto insurance quotes

Lowering your 2013 Subaru Impreza auto insurance rates is not rocket science. The only thing you need to do is take time comparing rate quotes to find. This can be accomplished in several different ways.

  • Without a doubt, the easiest way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for multiple quote forms for each price estimate. One quote request gets insurance cost estimates from all major companies. This is by far the quickest method.
  • A different way to compare rate quotes is going to each individual company website and repeat the quote process. For examples sake, let’s say you are doing a rate comparison from Farmers, Allstate and Liberty Mutual. To get each rate you have to go to each individual site and enter your policy data, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just double check that you are using the exact same coverage data on every price quote you get. If you use unequal deductibles or liability limits you will not be able to determine which company has the best rates.

Learn how to get car insurance for less

A large part of saving on car insurance is knowing the rating factors that help calculate car insurance rates. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that may result in lower rates. Many different elements are part of the equation when you get your auto insurance bill. Some are obvious like your driving record, but others are not quite as obvious such as your credit history or how safe your car is.

The items below are a few of the “ingredients” utilized by car insurance companies to help set your prices.

  • Your gender affects rates – The statistics show that females take fewer risks when driving. That doesn’t necessarily mean that men are worse drivers. Males and females tend to get into at-fault accidents at about the same rate, but the male of the species tend to have higher claims. Not only that, but men also receive more major tickets such as DWI and reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident so it costs more to insure them.
  • Cheaper rates with high coverage deductibles – Your deductibles state the amount of money the insured will be required to pay if the claim is covered. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. Examples of some claims that would be covered are a windshield broken by a bird, vandalism, and having a roll-over accident. The more damage repair cost you’re willing to pay, the lower your rates will be on Impreza coverage.
  • Drive a safer car and pay less – Safer cars can get you lower premiums. Vehicles engineered for safety reduce the chance of injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.
  • Married people drive safer – Walking down the aisle can get you a discount compared to being single. Having a spouse means you’re more mature and it’s statistically proven that being married results in fewer claims.
  • Car and home together may be cheaper – Most major insurance companies afford a discount to policyholders that have more than one policy such as combining an auto and homeowners policy. The discount can be anywhere from five to ten percent in most cases. Even with this discount applied, it’s in your best interest to compare other insurance prices to ensure the best deal.There is a good possibility that you can find lower rates by insuring with multiple companies.
  • Your car’s features help determine premiums – Driving a car with anti-theft technology or alarm system can save you some money. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft and help lower rates.

Earn discounts to get lower-cost insurance rates

Some insurers don’t always advertise every discount they offer in a way that’s easy to find, so the next list breaks down some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance coverage online. If you are not receiving all the discounts available, you’re just leaving money on the table.

  • Discount for Passive Restraints – Factory air bags or automatic seat belts may get savings of 25 to 30%.
  • Safety Restraint Discount – Requiring all passengers to buckle up before driving may be able to save a few bucks off the personal injury premium cost.
  • More Vehicles More Savings – Purchasing coverage when you have multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
  • Good Students Pay Less – Maintaining excellent grades may save you up to 25%. This discount can apply up until you turn 25.
  • Active Service Discounts – Being deployed with a military unit can result in better insurance rates.
  • New Vehicle Savings – Buying a new car instead of a used car can cost up to 25% less since new model year vehicles have better safety ratings.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% and get you cheaper insurance coverage.

As a footnote on discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.

Popular insurance companies and some of their more popular discounts are:

  • State Farm offers discounts including good driver, driver’s education, multiple autos, anti-theft, and student away at school.
  • GEICO may have discounts that include anti-lock brakes, good student, seat belt use, five-year accident-free, military active duty, federal employee, and membership and employees.
  • SAFECO may offer discounts for accident prevention training, bundle discounts, anti-lock brakes, safe driver, and homeowner.
  • Farmers Insurance offers premium reductions for alternative fuel, electronic funds transfer, bundle discounts, mature driver, early shopping, pay in full, and good student.
  • AAA has savings for good student, pay-in-full, multi-policy, anti-theft, and AAA membership discount.
  • USAA may include discounts for loyalty savings, multi-vehicle, family discount, driver training, annual mileage, and multi-policy.

If you need lower rates, check with every insurance company the best way to save money. Some discounts might not be offered in your state. For a list of insurers who offer cheap insurance quotes, click here.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • Is other people’s property covered if stolen from my vehicle?
  • Do I have coverage when making deliveries for my home business?
  • Should I rate my 2013 Subaru Impreza as pleasure use or commute?
  • Does my liability insurance cover pulling a trailer or camper?
  • What are the best liability limits?
  • Do I need motorclub coverage?
  • Does insurance cover damages from a DUI accident?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my 2013 Subaru Impreza covered for flood damage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Coverage specifics

Learning about specific coverages of car insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills for chiropractic care, prosthetic devices, funeral costs and nursing services. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Subaru Impreza.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverage

Collision coverage will pay to fix damage to your Impreza caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

This protects you from damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like bail bonds, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

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 falling objects, theft, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

What is YOUR best insurance company?

In this article, we covered a lot of information how to reduce 2013 Subaru Impreza insurance car insurance rates online. It’s most important to understand that the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates are with some of the smallest insurance companies.

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, policy cancellation or even high rates after DUI convictions. No matter why you want to switch, switching companies can be pretty painless.

Some insurance companies may not offer online rate quotes smaller providers only sell coverage through independent agents. Affordable 2013 Subaru Impreza insurance is attainable on the web and from local agencies, so you should compare both to get a complete price analysis.

Additional information can be found at the links below