How Much Does 2006 Subaru Impreza Car Insurance Cost?

Are you confused by the wide range of insurance coverage choices? Lot’s of other consumers are too. There are so many options available that it can turn into more work than you anticipated to find the best price.

Finding affordable coverage is not rocket science. Just about every driver who carries auto insurance stands a good chance to be able to find lower rates. Nevertheless, car owners can benefit by having an understanding of the way insurance companies price online insurance and use this information to your advantage.

Discounts on Subaru Impreza insurance

Car insurance companies don’t always list every discount in a way that’s easy to find, so we researched both well-publicized and the more hidden insurance coverage savings.

  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Accident Waiver – Some insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home shows financial diligence.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get better insurance coverage rates on Impreza coverage.
  • Save with a New Car – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.

It’s important to note that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

Car insurance companies that may have these benefits include:

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts may not be available in your area.

How to Lower Your Insurance Cost

There are several ways of comparing rate quotes from local insurance companies. One of the best ways to compare 2006 Subaru Impreza insurance prices is to perform an online rate comparison. This can be accomplished in several different ways.

  • Probably the best way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating repetitive form submissions for each company you want a rate for. A single form will get you price quotes from insurance companies with the best prices. Just one form and you’re done.
  • A more difficult way to obtain and compare quotes online consists of going to each company website and fill out their own quote form. For sake of this example, let’s assume you want to compare Progressive, Allstate and State Farm. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverage limits with each company. If you compare higher or lower deductibles then you won’t be able to find the best deal for your Subaru Impreza. Slightly different limits could mean much higher rates. It’s important to know that comparing a large number of companies will improve the odds of getting the best rates.

What determines your Subaru Impreza insurance premium

Smart consumers have a good feel for the factors that go into determining the price you pay for car insurance. Understanding what influences your rates enables informed choices that can help you get better car insurance rates.

  • Consolidate policies to earn discounts – Most car insurance companies will award you with lower prices to people who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by insuring with multiple companies.
  • Bad driving skills means higher rates – Your driving citation history has a huge affect on how much you pay. Good drivers get better rates compared to drivers with tickets. Even a single moving violation can increase rates by twenty percent. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Do you need the policy add-ons? – There are a lot of add-on coverages that you can get tricked into buying on your car insurance policy. Coverages like roadside assistance, accidental death and additional equipment coverage are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.
  • Sex matters – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes are in accidents in similar numbers, but the male of the species cause more damage. Men also tend to get more serious tickets such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive car insurance rates.
  • Liability insurance protects assets – Liability coverage provides coverage if ever you are found liable for personal injury or accident damage. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • More miles equals more premium – The higher the mileage driven every year the higher your rates will be. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Autos that are left in the garage can get a lower rate than those used for commuting. Improper usage on your Impreza may be wasting your money. Verify your car insurance declarations sheet is showing the correct usage for each vehicle, because it can save money.
  • Low deductibles can be expensive – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Subaru from damage. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more expense the insured has to pay upfront, the less your car insurance will be on Impreza coverage.
  • High credit ratings translate to low rates – Having a bad credit history is a big factor in calculating your car insurance rates. So if your credit score is not that good, you could pay less to insure your 2006 Subaru Impreza by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower credit scores.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether you may require specific advice.

  • What happens if I owe more than my 2006 Subaru Impreza is worth?
  • How can I get high-risk coverage after a DUI?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I missing any policy discounts?
  • Are my friends covered when driving my 2006 Subaru Impreza?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Insurance coverages 101

Knowing the specifics of insurance can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.


This coverage can cover injuries or damage you cause to people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, loss of income, legal defense fees and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2006 Subaru Impreza.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

This coverage covers damage to your Impreza from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, rolling your car, backing into a parked car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, hitting a bird, damage from getting keyed and hail damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for chiropractic care, X-ray expenses, prosthetic devices, hospital visits and ambulance fees. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Spend less. Save more.

We covered a lot of ways to reduce 2006 Subaru Impreza insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a smaller regional carrier.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Consumers switch companies for a number of reasons such as poor customer service, policy non-renewal, not issuing a premium refund or even lack of trust in their agent. Whatever your reason, finding the right car insurance provider can be easy and end up saving you some money.

For more information, take a look at the resources below: