Compare 2003 Subaru Impreza Insurance Quotes

Searching for better insurance prices for your Subaru Impreza can be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to compare insurance rates so we’re going to tell you the absolute fastest way to get price quotes for a Subaru and find the best price possible from both online companies and local agents.

Subaru Impreza insurance premiums are calculated by many factors

It’s important that you understand some of the elements that help determine the rates you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Where you live is a factor – Being located in less populated areas can be a good thing when buying car insurance. Urban drivers regularly have much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident and a lower car theft rate.
  • An active claims history can cost you – Companies generally give better rates to people who file claims infrequently. If you file claims often, you can expect higher rates. Auto insurance is designed for larger claims.
  • High credit ratings translate to low rates – Credit score is a huge factor in determining what you pay for car insurance. If your credit score is lower than you’d like, you could be paying less to insure your 2003 Subaru Impreza by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • High deductibles save money – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Subaru. A few examples of covered claims would be running into the backend of another car, collision with an animal, and burglary. The deductibles are how much you are required to spend before your car insurance pays a claim. The more money you have to pay, the lower your rates will be for Impreza coverage.

The quickest method we recommend to get rate comparisons is to know the fact all the major auto insurance companies participate in a system to give rate comparisons. All consumers are required to do is spend a couple of minutes providing details such as how much education you have, how much you drive, what you do for a living, and if a SR-22 is required. Those rating factors is sent automatically to many highly-rated insurers and they respond with quotes with very little delay.

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

Is there truth in advertising?

Consumers constantly see and hear ads that promise big savings by companies like State Farm, GEICO and Progressive. They all say the same thing of big savings if you move to them.

How can each company claim to save you money?

All the different companies have a preferred profile for the right customer they prefer to insure. For example, a driver they prefer could be between the ages of 30 and 50, a clean driving record, and chooses high deductibles. Any new insured who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Drivers who fall outside the “perfect” profile will be charged a more expensive rate which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save money. That’s the way insurance companies can state the savings.

That is why it is so important to get as many comparisons as possible. You cannot predict which company will have the lowest Subaru Impreza insurance rates.

Policy discounts you shouldn’t miss

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help bring down the price. Some trigger automatically when you purchase, but less common discounts must be asked for before being credited. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • 55 and Retired – Mature drivers may receive a discount up to 10% for Impreza coverage.
  • Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
  • Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.

Drivers should understand that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will reduce the amount you have to pay.

For a list of insurers with discount auto insurance rates, follow this link.

Insurance agents can help

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions can help discover whether or not you would benefit from professional advice.

  • What companies insure drivers after a DUI or DWI?
  • When would I need rental car insurance?
  • Am I covered if I crash into my own garage door?
  • Do all my vehicles need collision coverage?
  • What is PIP insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I rate my 2003 Subaru Impreza as pleasure use or commute?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability auto insurance

This coverage can cover injuries or damage you cause to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills such as dental work, rehabilitation expenses and ambulance fees. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, damage from getting keyed and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays for damage to your Impreza caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Subaru Impreza.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Get your money’s worth

We just covered a lot of techniques to lower your 2003 Subaru Impreza insurance rates. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the most savings is with a smaller regional carrier.

Cheap insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and these small, regional companies work with independent agents.

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. In many instances, someone dropped liability coverage limits only to regret they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible for the lowest price while not skimping on critical coverages.

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