2000 Subaru Impreza Insurance Quotes

Looking for cheaper car insurance rates? Shoppers have options when shopping for low-cost Subaru Impreza insurance. You can either waste hours struggling with agents trying to get quotes or leverage the internet to compare rates.

There are both good and bad ways to shop for car insurance and we’ll show you the best way to quote coverages on a Subaru and get the cheapest rates either online or from local insurance agents.

This article will let you in on how to get online quotes and some money-saving tips. If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Consumers only need to know the proper methods to find the lowest price online.

How to Get Insurance Comparison Quotes

Getting a lower price on 2000 Subaru Impreza insurance is actually quite simple. All you need to do is spend a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The best way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This method eliminates the need for a different quote to each individual insurance company. A single, simple form will get you price quotes instantly.It’s the quickest way to get rates.
  • A harder way to compare rate quotes requires a visit to each individual company website and complete a new quote form. For examples sake, we’ll assume you want to compare rates from Allstate, Safeco and Liberty Mutual. To get each rate you have to go to every website and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.

However you get your quotes, double check that you are using apples-to-apples coverages and limits with every price quote. If your comparisons have different limits and deductibles on each one you can’t possibly decipher which rate is best.

Are you getting all your discounts?

Car insurance can cost a lot, but you can get discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but less common discounts must be inquired about before you will receive the discount. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Save with a New Car – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for Impreza insurance than drivers with accident claims.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Accident Free – Claim-free drivers pay much less as compared to bad drivers.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will cut the amount you have to pay.

A partial list of companies that possibly offer some of the above discounts include:

Check with every prospective company which discounts they offer. Some discounts may not be available in every state.

Tailor your coverage to you

When choosing the best auto insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I rent a car in Mexico?
  • Do I need to file an SR-22 for a DUI in my state?
  • Will my rates increase for filing one claim?
  • What is UM/UIM insurance?
  • Do I need replacement cost coverage?
  • Should I buy additional glass protection?
  • Should I rate my 2000 Subaru Impreza as pleasure use or commute?
  • Am I covered when driving a rental car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance policy specifics

Learning about specific coverages of insurance can be of help when determining 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.

Liability car insurance

Liability insurance protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for 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. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like funeral expenses, emergency aid, attorney fees, bail bonds and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hail damage, hitting a bird and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for surgery, nursing services and funeral costs. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Subaru Impreza.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Collision coverage protection

Collision coverage pays for damage to your Impreza resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, sideswiping another vehicle, backing into a parked car, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.