2014 Subaru Impreza WRX Car Insurance Quotes

If you are a novice to online auto insurance shopping, chances are good that you are bewildered by the crazy number of auto insurance companies who claim to have the best auto insurance rates.

Discounts for cheap auto insurance rates

Some companies don’t always list every policy discount in an easy-to-find place, so we took the time to find a few of the more well known and also the lesser-known ways to save on auto insurance.

  • 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for lower premium rates for Impreza WRX insurance.
  • Seat Belt Discounts – Requiring all passengers to buckle their seat belts could cut 10% or more off PIP or medical payments premium.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations can get you a small discount on your policy.
  • Defensive Driver Discounts – Taking time to complete a safe driver class may get you a small discount and easily pay for the cost of the class.
  • College Student – who are attending college and leave their car at home can receive lower rates.
  • Anti-lock Brake Discount – Vehicles that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Discount for Swiching Early – Some auto insurance companies provide a discount for buying a new policy prior to your current policy expiring. It could save around 10% when you buy auto insurance online.
  • Auto/Home Discount – If you combine your auto and homeowners policies and insure them both with the same insurance company you could save up to 20% off your total premium.
  • Accident-Free Discounts – Drivers who stay claim-free get the best auto insurance rates when compared to policyholders that have many claims.

A quick disclaimer, most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like you can get free auto insurance, that’s just not realistic. Any amount of discount will bring down the premium cost.

Insurance companies that may offer policyholders these discounts may include but are not limited to:

If you are trying to find cheap auto insurance quotes, ask every prospective company what discounts are available to you. Savings might not be available to policyholders in your area. If you would like to view auto insurance companies with significant discounts, follow this link.

The most recommended method to compare car insurance rates takes advantage of the fact most of the larger companies pay for the opportunity to compare rate quotes. The one thing you need to do is take a few minutes to give details including if a SR-22 is needed, your occupation, daily mileage, and your education level. That rating data gets transmitted to insurance companies and you will get price comparisons instantly to find the best rate.

Reduce insurance rates with these tips

Multiple criteria are used when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other factors are more transparent like your continuous coverage and annual miles driven.

  • Urban residents pay more – Residing in areas with lower population has definite advantages when buying insurance coverage. Less people living in that area corresponds to lower accident rates and lower theft and vandalism rates. Drivers in populated areas have more road rage incidents and longer commute times. More time commuting means higher likelihood of an accident.
  • Gender is a factor – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that males are worse at driving than females. Women and men cause accidents at a similar rate, but guys tend to have higher claims. Not only are claims higher, but men get more serious tickets like DWI (DUI) or reckless driving.
  • Cheaper insurance coverage rates with safer cars – Vehicles that have high safety ratings are cheaper to insure. Vehicles built for safety have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates.
  • Combine home and auto and save – Most insurers apply better rates to insureds who buy several policies from them. It’s known as a multi-policy discount. The amount of the discounts can be 10 percent or more. If you currently are using one company, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible. Drivers may still find better rates even if you insure with multiple companies
  • Marriage equates to better prices – Your spouse may earn you lower rates compared to being single. Having a significant other is viewed as being more financially stable and insurance companies like that drivers who are married file infrequent claims.
  • Safeguard your assets with liability – A critical coverage on your policy, liability insurance will afford coverage in the event that you are found to be at fault for damages from an accident. Your liability coverage provides you with a defense in court which can cost a lot. It is affordable coverage when compared with rates for comp and collision, so buy as much as you can afford.

You may need specialized auto insurance coverage

When it comes to buying coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique.

For example, these questions might point out if your situation would benefit from an agent’s advice.

  • Is motorclub coverage worth it?
  • How high should my medical payments coverage be?
  • If my 2014 Subaru Impreza WRX is totaled, can I afford another vehicle?
  • What vehicles should carry emergency assistance coverage?
  • When should my teen driver be added to my policy?
  • When should I buy a commercial auto policy?
  • What is an SR-22 filing?
  • Can I get a multi-policy discount?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Insurance coverage specifics

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability – Liability insurance protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like legal defense fees, court costs and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, damage from getting keyed, hail damage, falling objects and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of 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 important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills like chiropractic care, funeral costs, ambulance fees and pain medications. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Power to the consumer

Drivers switch companies for a variety of reasons including high prices, delays in paying claims, unfair underwriting practices and even extreme rates for teen drivers. It doesn’t matter why you want to switch switching insurance companies can be less work than you think.

Budget-conscious 2014 Subaru Impreza WRX insurance is available online as well as from independent agents, so you need to quote auto insurance with both so you have a total pricing picture. Some insurance companies may not have online quoting and these small insurance companies prefer to sell through independent insurance agencies.

We just showed you quite a bit of information on how to save on 2014 Subaru Impreza WRX insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the most savings is with a small local company.

More information is available below: