Save on 2018 Subaru Impreza Insurance Cost

Are you burned out from scraping nickels together to pay high auto insurance rates every month? You have the same problem as the majority of other drivers. Numerous auto insurance companies battle to insure your vehicles, so it’s not easy to compare every company and get the best coverage at the best price available.

If you have a current car insurance policy or need a new policy, you can use this information to cut your premiums and possibly find even better coverage. Finding the best rates is not rocket science. Vehicle owners only need an understanding of how to compare prices over the internet.

Buy insurance coverage online

Finding cheaper 2018 Subaru Impreza insurance coverage prices is not a difficult process. All that’s required is to spend a few minutes getting comparison quotes to find. It’s super easy and can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This form saves time by eliminating repetitive form submissions for every company. A single, simple form gets coverage cost estimates from all major companies.
  2. A slightly less efficient method to find lower rates requires a visit to the website for each individual company and get a separate price quote. For example, we’ll assume you want to compare Nationwide, Allstate and Progressive. You would be required to take the time to go to each site and enter your information, and that explains why we recommend the first method. For a list of companies in your area, click here.

Which method you use is up to you, but make sure you use the same coverage limits and deductibles on every quote. If each company quotes mixed coverages it will be nearly impossible to truly determine the lowest rate.

More discounts mean cheap premiums

Companies offering auto insurance do not list all possible discounts in a way that’s easy to find, so the following list contains some of the best known and the more hidden savings tricks you should be using when you buy car insurance online.

  • Multiple Policy Discount – If you can combine your home and auto policy and place coverage with the same company you could earn a discount of up to 20% off your total premium.
  • 55 and Retired – Seniors may qualify for reduced rates on Impreza coverage.
  • Pay Early and Save – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
  • Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Multiple Vehicles – Buying a policy with several vehicles on one policy qualifies for this discount.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may qualify for discounts of 20% or more.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% off the personal injury premium cost.

Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. If you do the math and it seems like you could get a free insurance policy, it’s just not the way it works. Any qualifying discounts will reduce your policy cost.

Auto insurance companies who may offer these money-saving discounts include:

Before you buy a policy, ask each company to apply every possible discount. Some discounts listed above may not apply in every state. If you would like to see a list of insurers who offer insurance discounts, click this link.

Eight factors that affect insurance costs

One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that help calculate the level of your policy premiums. If you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to lower premium levels.

The list below includes just a few of the factors used by insurance companies to determine your premiums.

  • Less chance of injury means lower prices – Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles have better occupant injury protection and reduced instances of injuries means lower claim amounts passed on to you as lower rates. If your Subaru Impreza scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Policy add-ons add up – There are many additional coverages that may not really be needed if you aren’t diligent. Coverages like rental car coverage, accidental death, and motor club memberships are examples of these. These coverages may sound good when you first buy your policy, but if you don’t need them remove them and pocket the money.
  • Your liability insurance limits – The liability coverage on your policy is the protection when you are ruled to be at fault for an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Poor credit can mean higher costs – Having a good credit score factor in determining what you pay for insurance. Therefore, if your credit is low, you could pay less to insure your 2018 Subaru Impreza by improving your rating. People that have excellent credit tend to be more responsible than those with worse credit.
  • Insurance rates in urban areas – Residing in less populated areas has definite advantages when buying insurance. Drivers who live in large cities regularly have more aggressive driving styles and more time behind the wheel. Less people living in that area translates into fewer accident claims in addition to lower liability claims
  • Premiums can be impacted by your occupation – Jobs like judgesairline pilots and emergency personnel generally pay higher rates than average in part from high stress levels and incredibly demanding work hours. On the flip side, occupations such as professors, engineers and the unemployed pay the least on Impreza coverage.
  • Are men or women drivers cheaper? – The statistics show that females tend to be a little less risky than males. It does not mean men are WORSE drivers than women. Males and females tend to get into fender benders in similar numbers, but the male of the species tend to have more serious accidents. Men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • How’s your driving record? – Having just one driving citation can increase rates by as much as thirty percent. Attentive drivers get better rates compared to drivers with tickets. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions might be required by their state to maintain a SR-22 with their state’s licensing department in order to drive a vehicle legally.

It’s not one size fits all

When buying the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Is a blown tire covered by insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Why am I required to buy high-risk coverage?
  • Should I buy additional glass protection?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Slick advertising tricks that work

Consumers can’t avoid all the ads that claim the lowest auto insurance rates by State Farm, Geico and Progressive. All the ads state the claim that drivers will save a bundle if you move your policy.

How is it possible that every company can give you a lower rate?

All the different companies can use profiling for the type of customer that will not have excessive claims. For example, this type of insured might have to be over the age of 45, owns their home, and insures a new vehicle. Someone that meets those criteria gets the lowest auto insurance rates and therefore will save quite a bit of money when switching.

Drivers who don’t measure up to these standards will get higher premium rates which results in business not being written. Company advertisements say “drivers who switch” not “all people who quote” will save that much if they switch. This is how insurance companies can make those claims.

That is why you absolutely need to do a quote comparison often. Because you never know the company that will have better premium rates than you’re paying now.

Car insurance coverages for a 2018 Subaru Impreza

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for ambulance fees, doctor visits and chiropractic care. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2018 Subaru Impreza.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, fire damage, falling objects, theft and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision coverage covers damage to your Impreza caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as repair costs for stationary objects, medical services and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Save your hard earned cash

When searching for the cheapest car insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, an insured cut full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at the best cost while not skimping on critical coverages.

You just read many ideas to shop for 2018 Subaru Impreza insurance online. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding the cheapest car insurance. Consumers may even find the best price on insurance coverage is with a smaller regional carrier. Smaller companies may only write in your state and offer lower premium rates compared to the large companies like State Farm or Progressive.

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