Trying to find the cheapest insurance rates? Buyers have lots of choices when searching for low-cost Subaru Impreza insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to compare rates.
There is a better way to find insurance online so we’re going to tell you the proper way to price shop coverage on a Subaru and locate the lowest possible price from local insurance agents and online providers.
Lowering your 2016 Subaru Impreza insurance rates is not a difficult process. You just have to spend a few minutes to get quotes to find the company with inexpensive car insurance quotes. It’s really simple and can be done using a couple different methods.
Probably the best way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating repetitive form submissions for every prospective company. Just one form will return price quotes from multiple companies. It’s the fastest way to compare.
Another way to find lower rates requires visiting each company website and fill out a new quote form. For examples sake, let’s assume you want to compare rates from Nationwide, 21st Century and GMAC. You would be required to spend time on each company’s site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
The hardest way to find lower rates is actually driving to all the different insurance agencies. Comparing online rate quotes has made agencies unnecessary unless you require the professional abilities of a local agent. Drivers can get the lowest quotes online but buy the policy through an agent.
It’s up to you how you get prices quotes, just make sure you compare apples-to-apples coverages for each quote you get. If the quotes have different coverage information it will be very difficult to truly determine the lowest rate.
Auto insurance companies don’t list all possible discounts in a way that’s easy to find, so we researched some of the more common in addition to some of the lesser obvious credits that may apply to you.
Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.
Larger auto insurance companies and some of their more popular discounts are:
Check with every insurance company to give you their best rates. All car insurance discounts may not be available in your area. To view insurers that offer the discounts shown above, click this link.
When choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.
For example, these questions might help in determining if you might need professional guidance.
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.
Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like nursing services, doctor visits, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Liability car insurance
Liability coverage will cover damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.
Liability coverage pays for claims such as legal defense fees, loss of income and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive insurance
This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like rock chips in glass, hitting a bird and hitting a deer. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision coverage protection
Collision coverage pays for damage to your Impreza resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like rolling your car, backing into a parked car, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.
Coverage for uninsured or underinsured drivers
This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2016 Subaru Impreza.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.