View 2004 Subaru Impreza Insurance Quotes

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.

How to Get Cheap Car Insurance

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.

  1. The single most time-saving way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for boring form submissions for each company you want a rate for. A single, simple form will return quotes from car insurance companies with the best prices.
  2. Another way to compare rate quotes requires visiting each individual company website and fill out their own quote form. For instance, we’ll pretend you want to compare rates from Allstate, GEICO and Liberty Mutual. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

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.

Lower rates by qualifying for discounts

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.

  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Club Memberships – Participating in a professional or civic organization could trigger savings on insurance on Impreza coverage.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Impreza coverage than their less cautious counterparts.
  • Low Mileage – Low mileage vehicles could qualify for discounted rates on garaged vehicles.

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.

Car insurance is unique, just like you

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.

  • Why does it cost so much to insure a teen driver?
  • Am I covered if hit by an uninsured driver?
  • Should I buy more coverage than the required minimum liability coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my car insurance cover rental cars?
  • Is my teenager covered with friends in the car?
  • How can I get high-risk coverage after a DUI?
  • Can my teen drive my company car?

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.

Why your Subaru Impreza insurance rates may be high

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.

  • Don’t skimp on liability – The liability section of your policy is the protection in the event that a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Your location affects your rates – Living in a small town can save you money when it comes to insurance. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Fewer people means fewer accidents.
  • Lower miles equals lower premium – The more miles you rack up on your Subaru every year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based on their usage. Cars left parked in the garage get more affordable rates compared to those used for work or business. Make sure your insurance policy is showing how each vehicle is driven. Incorrect usage on your Impreza can cost quite a bit.
  • Policy add-ons can waste money – There are a ton of extra bells and whistles that can waste your money when buying insurance. Things like rental car reimbursement, accident forgiveness and additional equipment coverage may be wasting your money. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
  • Too many insurance claims drive up costs – Companies provide cheaper rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is designed for the large, substantial claims.
  • How many coverages with the same company – Most companies will give a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to shop around to verify if the discount is saving money.
  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men cause accidents at a similar rate, but men have costlier accidents. Men also get more serious tickets such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
  • Your car’s features help determine rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.

Insurance coverage ads bend the truth

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.

Coverage specifics

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

Money doesn’t grow on trees

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.

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