2002 Subaru Impreza Car Insurance Cost

Finding low-cost car insurance on the internet may be intimidating for consumers not familiar with buying insurance online. With such a large number of companies competing online, how can anyone have a chance to compare them all to find the lowest price available?

Smart consumers take time to compare prices yearly since insurance rates fluctuate regularly. Just because you had the best deal on Impreza insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to learn the only way to reduce your cost while improving coverage.

Car Insurance Comparison Rates

There are several ways of comparing rate quotes from different insurance companies. The recommended way to compare 2002 Subaru Impreza insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

  • One of the simplest ways to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for a different quote for every car insurance company. A single, simple form will return price quotes from all major companies. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to get quotes online consists of visiting the website of each company and fill out their own quote form. For sake of this example, we’ll assume you want comparison quotes from Progressive, Liberty Mutual and Travelers. To get each rate you have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you use, ensure you’re using apples-to-apples deductibles and coverage limits on every quote you get. If you enter higher or lower deductibles it will be next to impossible to decipher which rate is best. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just keep in mind that more quotes helps you find better pricing.

Get lower rates on 2002 Subaru Impreza insurance

Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find ways to save on insurance coverage.

  • New Car Discount – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • No Claims – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Multi-policy Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Impreza insurance than drivers with accidents.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of companies with the best insurance coverage discounts, click this link.

Tailor your coverage to you

When it comes to choosing coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions might point out whether your personal situation might need professional guidance.

  • How high should deductibles be on a 2002 Subaru Impreza?
  • Do I need PIP coverage since I have good health insurance?
  • What discounts do I qualify for?
  • What vehicles should carry emergency assistance coverage?
  • Does my insurance cover my expensive audio equipment?
  • Can I still get insurance after a DUI?
  • When should I not file a claim?
  • Which companies will insure high-risk drivers?
  • How do I buy GAP insurance?
  • Who is covered when they drive my 2002 Subaru Impreza?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage options for a Subaru Impreza

Understanding the coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses for things like ambulance fees, nursing services, hospital visits and pain medications. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, backing into a parked car, scraping a guard rail and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverage – This can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t 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. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like loss of income, funeral expenses and structural damage. How much coverage you buy is your choice, but buy as large an amount as possible.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, damage from flooding and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Subaru Impreza.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.