1999 Subaru Impreza Insurance Rates

Searching for the cheapest auto insurance rates for your Subaru Impreza? Tired of being strong-armed to pay your car insurance bill each month? You are no different than many other drivers. With consumers having so many insurance providers from which to choose, it’s nearly impossible to find the most cost effective company.

These discounts can slash insurance rates

Companies offering auto insurance don’t always publicize all available discounts in a way that’s easy to find, so we researched some of the more common and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a discount up to 10% on Impreza insurance.
  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates on insurance on Impreza insurance.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free insurance policy, insurance companies aren’t that generous.

Car insurance companies who might offer these discounts include:

Check with each insurance company what discounts are available to you. All car insurance discounts may not be available everywhere.

Finding Car Insurance

Most companies quote pricing on the web. The process is quite simple as you simply type in the amount of coverage you want as requested by the quote form. Once you submit the form, their system will obtain credit information and your driving record and gives you a price quote based on these and other factors. Online price quotes makes it a lot easier to compare rates but the work required to visit different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible in order to get the best price possible.

The easy way to compare rates

The smarter way to locate the lowest prices makes use of a single form to return rates from multiple companies. It’s a real time-saver, requires much less work on your part, and makes price shopping online much more efficient. Immediately after submitting the form, it gets priced and you are able to buy any of the quotes returned. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

If you want to compare rates now, click here to open in a new tab and input your coverage information. If you have your current policy handy, we recommend you type in the limits and deductibles just like they are on your policy. This helps ensure you will receive a price comparison based on identical coverages.

When might I need the advice of an agent?

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • Does my policy pay for OEM or aftermarket parts?
  • Do I have newly-aquired coverage?
  • Does coverage extend to Mexico or Canada?
  • What is an SR-22 filing?
  • Does insurance cover tools stolen from my truck?
  • Is motorclub coverage worth it?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when driving a rental car?
  • Is my camper covered by my car insurance policy?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance coverage basics

Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Auto liability

This will cover damage that occurs to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, loss of income, attorney fees and court costs. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a deer and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1999 Subaru Impreza.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

This coverage pays for damage to your Impreza resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, hitting a mailbox, driving through your garage door, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like ambulance fees, funeral costs and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

More choices the merrier

You just learned a lot of techniques to lower your 1999 Subaru Impreza insurance rates. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

When you buy insurance online, don’t be tempted to skimp on coverage in order to save money. In many instances, consumers will sacrifice collision coverage and discovered at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

More tips and info about insurance coverage can be found at these sites: