Cheap 2010 Subaru Impreza Insurance Quotes

Looking for lower car insurance rates for your Subaru Impreza? Feel like you’re a prisoner to high-priced car insurance? Believe me, there are lots of people in the same boat.

Since consumers have many options, it can be hard to find the cheapest insurance company.

Consumers should take time to price shop coverage at least once a year because insurance rates are usually higher with each renewal. Just because you found the best price on Impreza coverage a year ago you can probably find a better price now. Forget all the misinformation about car insurance because you’re about to learn how to quote online to find the best coverage while lowering your premiums.

The purpose of this article is to tell you the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you will most likely be able to save some money using this information. Although drivers can benefit from knowing how insurance companies market insurance on the web.

Compare the Market for Insurance

There are several ways you can shop for Subaru Impreza insurance but there is one way that is more efficient than others. You could waste time discussing policy coverages with agents in your area, or you could save time and use online quotes to quickly compare rates.

Most of the best insurance companies participate in an industry program that enables customers to enter their coverage request one time, and each participating company returns a rated price based on that information. This prevents consumers from doing quotation requests for each company you want a rate for.

To access this free quoting program, click here to open in new window.

The single downside to comparing rates this way is that you can’t choose which providers you want pricing from. If you prefer to choose specific insurance companies to request quotes from, we have a page of low cost insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same coverage limits and deductibles with each company. If each company quotes mixed coverages it’s impossible to truly determine the lowest rate. Slightly different coverages can result in a big premium difference. Keep in mind that comparing a large number of companies helps locate a lower rate.

Cut your premium with discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you quote, but some may not be applied and must be asked for before you get the savings.

  • Discount for Good Grades – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • One Accident Forgiven – Some insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Impreza coverage depending on your company.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Passive Restraint Discount – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Homeowners Discount – Being a homeowner may trigger a insurance coverage policy discount because owning a home shows financial diligence.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Impreza coverage than their less cautious counterparts.

Drivers should understand that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce your premiums.

Insurance companies that possibly offer these money-saving discounts include:

Double check with every prospective company which discounts you may be entitled to. Discounts may not be available in every state.

What is the best insurance coverage?

When buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine if your insurance needs could use an agent’s help.

  • Is my dog or cat covered if injured in an accident?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When do I need to add a new car to my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I better off with higher deductibles on my 2010 Subaru Impreza?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are split liability limits better than a combined single limit?
  • Why am I required to buy liability insurance?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Why your Subaru Impreza insurance rates may be high

An important part of buying insurance is that you know some of the elements that come into play when calculating auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

The list below includes some of the items used by your company to calculate premiums.

  • Safer cars cost less to insure – Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Subaru Impreza earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Your car’s features help determine rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Where you live is a factor – Residing in less populated areas can be a good thing when it comes to auto insurance. Lower population means a lower chance of having an accident and a lower car theft rate. City drivers have to deal with much more traffic to deal with and longer commute times. More time on the road can result in more accidents.
  • Younger drivers pay higher rates – Teen drivers are statistically proven to be careless and easily distracted when driving so auto insurance rates are higher. Having to add a youthful driver onto your auto insurance can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
  • Do you know you’re credit rating? – A driver’s credit rating is a large factor in calculating your auto insurance rates. People with high credit scores tend to be more responsible than drivers who have poor credit. If your credit can use some improvement, you could be paying less to insure your 2010 Subaru Impreza by repairing your credit.
  • No coverage gaps is important – Not having insurance is a misdemeanor and auto insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a revoked license or a big fine.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Do you know your deductibles? – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Subaru. Some examples of claims that would be covered are collision with another vehicle, damage from fire, and burglary. Your deductibles are how much 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 company will charge you for insurance on Impreza coverage.

Are auto insurance companies telling the truth?

Companies like State Farm and Allstate constantly bombard you with ads in print and on television. All the ads have a common claim that you can save if you switch your policy. How do they all make almost identical claims?

Different companies have a certain “appetite” for the driver that makes them money. A good example of a profitable customer could be over the age of 50, has no tickets, and has excellent credit. A customer who meets those qualifications will get very good rates and most likely will save quite a bit of money when switching.

Drivers who do not match this ideal profile must pay higher premiums which usually ends up with business not being written. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can claim big savings.

This illustrates why it is so important to compare many company’s rates. It’s just too difficult to predict which auto insurance company will have the lowest Subaru Impreza insurance rates.

Specific coverage details

Knowing the specifics of car insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average car insurance policy.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for things like X-ray expenses, prosthetic devices, surgery, nursing services and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, falling objects and hitting a bird. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays for damage to your Impreza caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people. It does not 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. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as loss of income, bail bonds and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Subaru Impreza.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

More quotes mean more savings

Cost effective 2010 Subaru Impreza insurance is possible online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

We just covered some good ideas how you can shop for insurance online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even discover the best prices are with a smaller regional carrier. These smaller insurers often have lower prices on specific markets compared to the large companies like Progressive or GEICO.

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