2017 Subaru Impreza Insurance Rates

Want cheaper insurance rates? Drivers have many options when trying to find the best price on Subaru Impreza insurance. They can either waste time struggling with agents getting price quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to find insurance online and you need to know the best way to quote coverages for a new or used Subaru and obtain the best price possible either online or from local insurance agents.

You should take the time to do price comparisons before your next renewal because rates trend upward over time. Just because you found the best premium rates on Impreza coverage six months ago you can probably find a better price now. There is a lot of wrong information about insurance online, but by reading this article, you’re going to learn the best ways to lower your insurance premiums.

Buy insurance online

Lowering your 2017 Subaru Impreza insurance rates is an easy way to save money. The only requirement is to invest a few minutes comparing rates to find the company with cheap insurance coverage quotes. Comparing prices online can be done using one of these methods.

One of the fastest ways consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate quotes for each price estimate. Completing one form gets coverage cost estimates from several companies. This is by far the quickest method.

A more time consuming way to find more affordable insurance consists of visiting the website for each individual company and repeat the quote process. For sake of this example, let’s say you want to compare rates from GEICO, Progressive and Allstate. To get each rate you have to navigate to each company’s site and enter your policy data, which is why the first method is more popular. For a list of companies in your area, click here.

The most difficult way to comparison shop is actually driving to different agent offices. Comparing rate quotes online can eliminate the need for a local agent unless you have a need for the peace of mind that only an agent can give. If you prefer, some companies allow you to price shop your coverage online and get advice from an agent in your area.

Whichever way you use, make sure you compare the same deductibles and coverage limits for every company. If your comparisons have different liability limits it’s impossible to determine which rate is truly the best.

Discounts to earn cheaper auto insurance rates

Auto insurance companies don’t necessarily list every possible discount in a way that’s easy to find, so the next list breaks down both well-publicized and the harder-to-find auto insurance savings.

• Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on Impreza coverage than drivers with accident claims.
• Distant Student Discount – Older children who live away from home at college and won’t have access to an insured vehicle could get you a discount.
• Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of up to 20% and get you cheap insurance coverage.
• Renewal Discounts – Some companies reward drivers for buying a new policy early. It could save around 10% when you buy insurance coverage online.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
• Accident Waiver – Not a discount per se, but some insurance companies will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims for a specific time period.

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

If you would like to view insurers with discount auto insurance rates, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

• Should I buy more coverage than the required minimum liability coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• What is high-risk coverage and where do I buy it?
• What companies insure drivers after a DUI or DWI?
• Is my nanny covered when driving my vehicle?
• If my 2017 Subaru Impreza is totaled, can I afford another vehicle?
• What are the best liability limits?
• Can I make deliveries for my home business?
• Do I pay less if my vehicle is kept in my garage?
• How do I insure my teen driver?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Parts of your car insurance policy

Having a good grasp of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision coverage – Collision insurance covers damage to your Impreza from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane, hitting a deer, damage from flooding and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance – Liability coverage protects you from damage that occurs to people or other property. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage pay for expenses like prosthetic devices, chiropractic care, surgery, X-ray expenses and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2017 Subaru Impreza.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.