How Much Does 2013 Subaru Impreza WRX Car Insurance Cost?

Buying budget-priced car insurance over the internet is overwhelming for comparison shopping online. Because there are so many online companies, how can drivers even start to compare every possible option in order to find better prices?

It’s smart to take a look at other company’s rates before your next renewal because prices are rarely the same from one policy term to another. Even if you got the lowest quotes on Impreza WRX insurance two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the easiest way to properly buy coverages while reducing your premium.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Locating the lowest cost protection is not that difficult. Although drivers must understand how insurance companies determine prices and use this information to your advantage.

The easiest way to compare insurance rates from multiple companies is to realize almost all companies participate in a system to compare their rates. To start a quote, the only thing you need to do is give them some information such as if the vehicle is leased, if you have a valid license, your occupation, and how much school you completed. The rating information is automatically sent to multiple top-rated companies and you will get price comparisons immediately.

To start a rate quote now, click here and see if a lower rate is available.

Get more affordable insurance rates by understanding these factors

It’s important that you understand some of the factors that are used to determine the rates you pay for car insurance. When you understand what controls the rates you pay, this allows you to make good choices that may result in lower premium levels.

Eliminate unneeded extra policy coverages – Insurance companies have many extra add-on coverages that you can buy if you aren’t diligent. Coverages for roadside assistance, high-cost glass coverage, and extra life insurance coverage are some examples. The coverages may be enticing initially, but if you’ve never needed them in the past remove them from your policy.
Raising physical damage deductibles lowers rates – Physical damage insurance, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some examples of claims that would be covered are a windshield shattered by a rock, flood damage, and burglary. The deductibles are the amount of money you are required to pay if a covered claim is submitted. The more money you have to pay, the less money you will pay for car insurance on Impreza WRX insurance.
Your job and car insurance rates – Did you know your job can affect your rates? Careers such as military personnelair traffic controllers and dentists are shown to have the highest rates due to high stress and long work days. Conversely, occupations like scientists, engineers and performers pay the least on Impreza WRX insurance.
Always have car insurance – Going without insurance will be a fast way to increase your rates. In addition to paying higher premiums, not being able to provide proof of insurance could earn you a license revocation or jail time.
Alarms and GPS tracking lower prices – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your vehicle from being stolen.
Consolidate and save – Many insurance companies give a discount to insureds that purchase more than one policy, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s always a smart idea to compare other insurance prices to guarantee you are still saving the most.
Bad credit hurts insurance premiums – A driver’s credit score can be an important factor in calculating your car insurance rates. Therefore, if your credit rating is lower than you’d like, you could pay less to insure your 2013 Subaru Impreza WRX if you improve your credit rating. People that have very good credit scores tend to be better risks to insure than drivers with worse credit.

More discounts mean lower-cost premiums

Some companies don’t always publicize every policy discount very well, so the list below gives a summary of some of the more common and also the lesser-known discounts that may be available.

Paperwork-free – A few larger online companies will give a small break for signing up on your computer.
Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
Homeowners Pay Less – Owning a home can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
Save with a New Car – Putting insurance on a new car can get you a discount because newer vehicles have to meet stringent safety requirements.
Senior Citizen Discount – Older drivers are able to get a discount up to 10% on Impreza WRX insurance.
Air Bag Discount – Options like air bags or automatic seat belts can get savings as much as 30%.
Multi-car Discount – Purchasing coverage when you have multiple vehicles with the same auto insurance company can reduce the rates for all insured vehicles.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think you could get a free auto insurance policy, you aren’t that lucky.

A list of auto insurance companies and a partial list of their discounts can be read below.

State Farm policyholders can earn discounts including student away at school, good driver, anti-theft, good student, and multiple policy.
Esurance has discounts for homeowner, multi-car, paid-in-full, Switch & Save, and anti-theft.
Progressive has savings for multi-policy, good student, homeowner, continuous coverage, online quote discount, and multi-vehicle.
Liberty Mutual may offer discounts for multi-car, teen driver discount, preferred payment discount, new move discount, newly retired, good student, and safety features.
Auto-Owners Insurance offers discounts including good student, group or association, safe vehicle, company car, and anti-theft.
GEICO offers premium reductions for multi-policy, good student, defensive driver, seat belt use, federal employee, and military active duty.

Before purchasing a policy, check with each insurance company what discounts are available to you. Discounts might not be offered on policies in your state. To find companies with discount auto insurance rates, click here to view.

It’s not one size fits all

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

Is my babysitter covered when using my vehicle?
What if I don’t agree with a claim settlement offer?
How high should deductibles be on a 2013 Subaru Impreza WRX?
Do I need rental car coverage?
How much liability insurance is required?
If my 2013 Subaru Impreza WRX is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Car insurance coverages for a 2013 Subaru Impreza WRX

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, hospital visits and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance pays for damage to your Impreza WRX caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, hitting a parking meter, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical services, attorney fees and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from 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 pays for things like fire damage, damage from getting keyed, a tree branch falling on your vehicle, a broken windshield and hitting a bird. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Subaru Impreza WRX.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

A tidy conclusion

Budget-friendly insurance can be found both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not have price quotes online and most of the time these small, regional companies provide coverage only through independent insurance agents.

As you quote auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where an insured dropped uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. The goal is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

In this article, we covered many ideas to reduce 2013 Subaru Impreza WRX insurance prices online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a small local company.