2014 Subaru Impreza Insurance Quotes – 9 Discounts for Cheapest Rates

Want better car insurance rates for your Subaru Impreza? Trying to find better insurance prices for a Subaru Impreza can normally be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to buy car insurance and you need to know the proper way to get price quotes for a new or used Subaru and obtain the lowest price either online or from local insurance agents.

It’s important to do price comparisons periodically because car insurance prices trend upward over time. Even if you think you had the best price on Impreza insurance on your last policy you can probably find a better rate quote now. You can find a lot of wrong information about car insurance on the web, but we’re going to give you a bunch of ideas how to quit paying high car insurance rates.

Do you qualify for discount auto insurance?

Auto insurance companies don’t always publicize the complete list of policy discounts very well, so the list below contains a few of the more common as well as some of the hidden credits available to bring down your rates. If you are not receiving all the discounts possible, you’re just leaving money on the table.

  • Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • Membership in Organizations – Affiliation with certain professional organizations is a simple method to lower premiums on your next renewal.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
  • Telematics Data Discounts – Drivers who elect to allow companies to track their driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
  • Passenger Safety Discount – Options like air bags or motorized seat belts can get savings of more than 20%.
  • Drivers Education – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
  • Auto/Life Discount – Larger auto insurance companies have a discount if you purchase a life policy as well.
  • Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you may have a lower total premium amount.
  • Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease on Impreza insurance depending on your company.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will positively reduce the cost of coverage.

Car insurance companies that may offer these money-saving discounts are:

Before you buy a policy, ask every company which discounts you qualify for. Some discounts listed above might not apply in your area. To find providers who offer free auto insurance quotes, click here to view.

What insurance coverages do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help highlight if your situation might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • Is business property covered if stolen from my car?
  • Are my friends covered when driving my 2014 Subaru Impreza?
  • What can I do if my company won’t pay a claim?
  • What happens if I owe more than my 2014 Subaru Impreza is worth?
  • At what point should I drop full coverage?
  • Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an 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.

Insurance specifics

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage – This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, theft and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – This provides protection from damage or injury you incur to other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like structural damage, funeral expenses, bail bonds, court costs and attorney fees. How much coverage you buy is your choice, but you should buy higher limits if possible.

Collision coverages – This covers damage to your Impreza resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, crashing into a ditch and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Subaru Impreza.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills like nursing services, EMT expenses, doctor visits, funeral costs and chiropractic care. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Online plus local equals savings

Lower-priced insurance is definitely available both online and from local agencies, so you should be comparing quotes from both to have the best rate selection. A few companies may not have price quotes online and usually these smaller companies prefer to sell through local independent agents.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.

You just learned a lot of information how to shop for 2014 Subaru Impreza insurance online. The key concept to understand is the more price quotes you have, the higher your chance of finding cheap auto insurance. You may even discover the lowest priced insurance comes from the least-expected company.

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