2013 Subaru Impreza WRX Car Insurance Cost

Trying to find cheaper auto insurance rates for your Subaru Impreza WRX? Buying car insurance is not really something car owners look forward to, but like it or not it is mandatory for every vehicle.

You need to check auto insurance prices every six months since rates trend upward over time. Just because you had the best price on Impreza WRX insurance a year ago a different company probably has better rates today. You can find a lot of wrong information about auto insurance online but by reading this article, you’re going to learn a lot of great tips on how to put money back in your pocket.

Save money by taking advantage of these discounts

Auto insurance companies do not list all available discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known insurance savings.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings up to 30%.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying your policy over the internet.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Low Mileage Discounts – Fewer annual miles on your Subaru can qualify you for better rates on cars that stay parked.
  • College Student – Kids in college who are attending college and do not have a car can be insured at a reduced rate.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.

Keep in mind that many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, insurance companies aren’t that generous.

For a list of companies who offer insurance discounts, click here.

Insurance Coverage Quote Comparison

The are a couple different ways to get quotes from local insurance coverage companies. The fastest way to compare 2013 Subaru Impreza WRX insurance prices is to get quotes online. This is very easy and can be done in a couple of different ways.

  • The best way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do repetitive form entry for every insurance coverage company. Just one form will get you rate comparisons instantly. This is by far the quickest method.
  • Another way to compare prices is spending the time to visit each individual company website to request a price quote. For example, let’s say you want rates from Geico, 21st Century and Progressive. To find out each rate you need to go to every website to input your insurance information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  • The least recommended method to compare rates is to spend time driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you prefer the personal advice only provided by licensed agents. You can, however, obtain prices from the web but still have the advice of a local agent and you’ll learn how to do that later.

Which method you use is up to you, but ensure you are comparing the exact same coverage information for every company. If the quotes have unequal deductibles or liability limits it will be very difficult to determine the best price for your Subaru Impreza WRX. Just a small difference in coverage limits can mean a large discrepancy in price. Just remember that more quotes gives you a better chance of getting the best offered rates.

When should I use an insurance agent?

When it comes to choosing adequate coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.

These are some specific questions can aid in determining if your insurance needs may require specific advice.

  • Do I need rental car coverage?
  • Do I really need UM/UIM coverage?
  • Does coverage extend to Mexico or Canada?
  • Do all my vehicles need collision coverage?
  • Is my Subaru Impreza WRX covered if I use it for business?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Insurance coverage specifics

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for collisions

This coverage will pay to fix damage to your Impreza WRX from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Liability

Liability coverage can cover damage or injury you incur to people or other property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like attorney fees, emergency aid, medical services, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses like rehabilitation expenses, ambulance fees and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Impreza WRX.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

A fool and his money are soon parted

Throughout this article, we presented a lot of information how to save on 2013 Subaru Impreza WRX insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest premiums are with a small mutual company.

Insureds switch companies for a number of reasons such as extreme rates for teen drivers, policy cancellation, poor customer service or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

Cost effective insurance can be found online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

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