1998 Subaru Impreza Insurance Rates – 9 Tricks for Cheaper Quotes

Searching for the cheapest car insurance on the internet is impossible for people who are new to online price comaprisons. With so many choices, how can you even start to compare the different rates to find the cheapest rates?

It’s a good idea to get comparison quotes on a regular basis because rates are adjusted regularly by insurance companies. If you had the best rates on Impreza coverage last year a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to find out the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t always advertise all available discounts in an easy-to-find place, so we took the time to find both well-publicized and the more hidden savings tricks you should be using.

  • Early Signing – A few companies offer discounts for switching policies prior to your current policy expiration. This can save 10% or more.
  • No Claims – Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
  • Save over 55 – If you qualify as a senior citizen, you may receive better car insurance rates on Impreza coverage.
  • Student in College – Any of your kids who live away from home without a vehicle on campus can receive lower rates.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Impreza coverage with certain companies.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.

It’s important to note that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. Just because you may think you could get a free car insurance policy, car insurance companies aren’t that generous.

Companies that may offer these money-saving discounts are:

Check with all companies you are considering which discounts they offer. Discounts might not be offered in your state.

Situations that might require an agent

When buying the best car insurance coverage, there really is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • Do I need replacement cost coverage on my 1998 Subaru Impreza?
  • Is my teenager covered with friends in the car?
  • Is there coverage for injuries to my pets?
  • Do I really need UM/UIM coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my babysitter drive my car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverages for a 1998 Subaru Impreza

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1998 Subaru Impreza.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability insurance

Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things like medical expenses, court costs, funeral expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a building, crashing into a ditch, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses such as prosthetic devices, surgery and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Knowledge is power

Insureds leave their current company for many reasons like an unsatisfactory settlement offer, delays in paying claims, lack of trust in their agent and extreme rates for teen drivers. No matter why you want to switch, switching companies is not as hard as you think.

Affordable 1998 Subaru Impreza insurance can be bought online as well as from independent agents, and you should be comparing both to have the best rate selection. There are still a few companies who don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

You just learned many ways to lower your insurance rates. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a small mutual company.

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