Lower Your 2015 Subaru Impreza Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your Subaru Impreza? Nobody I know looks forward to paying for insurance coverage, in particular when their premiums are through the roof. Consumers have many insurers to pick from, and although it’s nice to have a selection, too many choices makes it more difficult to locate the cheapest rates.

Pay less for Subaru Impreza insurance

Companies offering auto insurance don’t list every discount very clearly, so here is a list both the well known and the harder-to-find savings tricks you should be using. If you’re not getting every credit possible, you’re paying more than you need to.

  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • E-sign – A few companies may give you up to $50 simply for signing digitally online.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates for Impreza coverage.
  • No Claims – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.
  • Resident Student – Kids in college living away from home attending college and don’t have a car can receive lower rates.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.

Keep in mind that many deductions do not apply the the whole policy. Most cut individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

Companies that may offer these discounts include:

Check with every prospective company how you can save money. All car insurance discounts might not apply in your state.

Comprehensive Insurance Coverage Comparison Quotes

There are a lot of ways to compare insurance coverage prices and some are less time-consuming than others. You could waste a few hours driving to insurance agencies in your area, or you could use the web to get pricing more quickly.

The majority of car insurance companies belong to a marketplace where insurance shoppers enter their policy data once, and each company can provide price quotes determined by their information. This system prevents you from having to do quote forms to each company.

To compare pricing click here to start a free quote.

The only drawback to getting quotes like this is you don’t know exactly the insurers you want to price. So if you want to choose from a list of companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, make sure you use the exact same coverage limits for each price quote. If you use different values for each quote it will be very difficult to make a fair comparison for your Subaru Impreza.

Why your Subaru Impreza insurance rates may be high

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for insurance. Understanding what influences your rates empowers consumers to make smart changes that can help you get better insurance rates.

Listed below are a partial list of the pieces used by your company to calculate your rates.

  • Your spouse saves you money – Having a spouse actually saves money when buying insurance. Having a spouse usually means you are more mature and it’s statistically proven that married couples file fewer claims.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Careers like lawyers, executives and stock brokers have the highest rates due to job stress and lengthy work days. On the other hand, occupations like farmers, students and homemakers get better rates for Impreza coverage.
  • High crash test scores lower rates – Vehicles with good safety scores are cheaper to insure. The safest vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Subaru Impreza earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Consolidate policies to earn discounts – Many insurers will award you with lower prices to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to shop around to ensure the best deal.
  • Liability coverage protects you – The liability section of your policy is the protection if you are found liable for damages from an accident. It provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • High credit ratings translate to low rates – A driver’s credit score is a large factor in determining what you pay for insurance. People with excellent credit tend to be more responsible than drivers who have lower credit ratings. Therefore, if your credit rating is low, you could save money insuring your 2015 Subaru Impreza by improving your credit score.
  • You might want pay the small claims yourself – Companies provide discounts to people who do not file claims often. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • Does my 2015 Subaru Impreza need full coverage?
  • What if I total my 2015 Subaru Impreza and owe more than it’s worth?
  • How do I file an SR-22 for a DUI in my state?
  • Are rock chip repairs covered?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Drivers who switch save $393 a year? Really?

Consumers can’t get away from ads that promise big savings by companies like Allstate and Progressive. All the companies make the same claim about savings if you change to them.

How can each company make almost identical claims?

All companies have a certain “appetite” for the driver they prefer to insure. For example, a driver they prefer might be between 30 and 50, insures multiple vehicles, and has a short commute. A customer who fits that profile gets the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the “perfect” profile will be charged a higher premium and ends up with the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can make those claims. That is why you absolutely need to get as many comparisons as possible. Because you never know which auto insurance company will have the lowest Subaru Impreza insurance rates.

Insurance specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for hospital visits, dental work, chiropractic care, doctor visits and pain medications. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible


This coverage provides protection from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, pain and suffering and loss of income. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they 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 many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision protection

Collision coverage covers damage to your Impreza from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Shop. Compare. Save.

Throughout this article, we presented many tips how you can get a better price on 2015 Subaru Impreza insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with the least-expected company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Discount insurance is definitely available online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Much more information about auto insurance can be read at these links: