Looking for the cheapest car insurance rates for your Subaru Impreza? Tired of not being able to afford to pay your car insurance bill each month? You’re in the same situation as the majority of other car owners. Because you have many choices, it can be impossible to pick the cheapest car insurance company.
Reducing your 2004 Subaru Impreza insurance rates is not rocket science. All you need to do is spend a few minutes to get quotes online with multiple companies. This can be accomplished in several different ways.
However you get your quotes, ensure you’re using identical coverages with each company. If you use mixed coverages it will be very difficult to find the best deal for your Subaru Impreza.
Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for prior to getting the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.
Companies that possibly offer these money-saving discounts include:
Double check with every prospective company which discounts they offer. Discounts may not apply in your area.
When it comes to buying the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique so this has to be addressed. For example, these questions might point out if your insurance needs will benefit from professional help.
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for insurance. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to lower insurance prices.
Shown below are some of the factors that factor into prices.
Drivers get pounded daily by advertisements for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. All the companies make an identical promise that you can save after switching your coverage to them.
How does each company say the same thing?
Different companies are able to cherry pick for the right customer they prefer to insure. For instance, a desirable insured might be over the age of 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who fits that profile receives the best rates and as a result will probably save when they switch companies.
Potential customers who don’t qualify for this ideal profile will be quoted higher rates and this can result in the customer not buying. The ads state “people who switch” not “people who quote” save that kind of money. This is how insurance companies can advertise the savings.
This emphasizes why drivers should quote coverage with many companies. Because you never know the company that will fit your personal profile best.
Having a good grasp of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by auto insurance companies.
Auto liability insurance – This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: 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 $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage protects against things such as bail bonds, medical expenses, funeral expenses, legal defense fees and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Collision – Collision insurance will pay to fix damage to your Impreza from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims like damaging your car on a curb, crashing into a ditch, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2004 Subaru Impreza.
Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are set the same as your liablity limits.
Comprehensive auto insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims like damage from a tornado or hurricane, damage from getting keyed, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for medical expenses – Med pay and PIP coverage provide coverage for expenses like rehabilitation expenses, dental work and nursing services. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. In many instances, an insured dropped liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price while still protecting your assets.
You just read many ideas to compare 2004 Subaru Impreza insurance prices online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance coverage is with some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.