Cheap 2008 Subaru Impreza Insurance Rates

Looking for the cheapest car insurance rates for your Subaru Impreza? Are you tired of not being able to afford each month for car insurance? You are no different than many other drivers. Popular companies such as State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with ad campaigns and it can be hard to ignore the propoganda and find the best price available.

The quickest method we recommend to compare rate quotes is to take advantage of the fact most larger insurance companies actually pay money for the chance to provide you with free rate quotes. All you need to do is give them rating details including your credit rating estimate, driver ages, if it has an anti-theft system, and whether you are single or married. That information is instantly sent to multiple auto insurance providers and they provide comparison quotes very quickly.

To find lower rates now, click here and complete the form.

Verify you’re getting all your discounts

Insurance can cost an arm and a leg, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be asked about prior to receiving the credit. If you don’t get every credit available, you are paying more than you should be.

  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on Impreza coverage than drivers with accidents.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Club Memberships – Participating in a civic or occupational organization could trigger savings on your policy on Impreza coverage.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Paperwork-free – Some insurance companies give back up to $50 just for signing your application online.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save approximately 10% to 15%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.

Car insurance companies that may have these discounts may include but are not limited to:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not be available in your state.

When should I talk to an agent?

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might help in determining whether you might need professional guidance.

  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I break a side mirror?
  • Is pleasure use cheaper than using my 2008 Subaru Impreza to commute?
  • Where can I find high-risk insurance?
  • Should I put collision coverage on all my vehicles?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Factors determining your Subaru Impreza insurance premium

Smart consumers have a good feel for the factors that go into determining the rates you pay for auto insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Do you have enough liability coverage? – Liability coverage will protect you if a jury decides you are liable for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • Do you have a high stress job? – Careers like doctors, social workers and dentists are shown to have the highest average rates due to high stress levels and long work hours. Other jobs such as scientists, historians and retirees pay the least on Impreza coverage.
  • You might want pay the small claims yourself – If you frequently file small claims, you can pretty much guarantee higher rates. Auto insurance companies give better rates to drivers who file claims infrequently. Insurance coverage is intended for the large, substantial claims.
  • Better credit scores mean better rates – Credit score is a important factor in determining your rates. Consumers who have good credit tend to be less risk to insure than those with poor credit. So if your credit history is low, you could pay less to insure your 2008 Subaru Impreza by improving your rating.
  • High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Subaru is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Is there truth in advertising?

Drivers can’t get away from ads for car insurance savings from companies such as State Farm, Allstate and Geico. All the companies make the same claim that you can save if you switch your policy.

How does each company say the same thing? It’s all in the numbers.

Different companies can use profiling for the driver that makes them money. An example of a desirable insured could possibly be over the age of 40, insures multiple vehicles, and drives newer vehicles. Any driver that hits that “sweet spot” gets the lowest rates and therefore will save a lot of money.

Drivers who don’t measure up to these standards will be quoted more money and this can result in the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently make the claims of big savings.

This emphasizes why drivers must compare many company’s rates. You cannot predict which company will provide you with the cheapest Subaru Impreza insurance rates.

Car insurance 101

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Liability car insurance

This will cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different 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 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like pain and suffering, structural damage, legal defense fees and medical services. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance 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 can pay for things such as hail damage, a broken windshield and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

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

Collision coverage protects against things such as colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for rehabilitation expenses, funeral costs and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Buy Smart and Save

We just showed you many ways to get a better price on 2008 Subaru Impreza insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best prices are with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There are too many instances where an insured dropped uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. The aim is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

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