Cheap 2005 Subaru Impreza Insurance Rates

Want the cheapest car insurance rates? Drivers have a choice when trying to find affordable Subaru Impreza insurance. They can either waste time struggling with agents to get rate comparisons or use the internet to get rate quotes. There is a right way and a wrong way to find car insurance online and you need to know the best way to price shop coverage for a Subaru and find the best price possible.

How much can you save with discounts?

Companies don’t always advertise all their discounts in an easy-to-find place, so we break down both the well known and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Senior Discount – Mature drivers may be able to get reduced rates on Impreza coverage.
  • Defensive Driver – Taking a defensive driving course can save you 5% or more if you qualify.
  • Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Impreza coverage depending on your company.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company can get a discount on all vehicles.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in school.
  • Good Student – Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.

Keep in mind that most credits do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

To see a list of companies who offer car insurance discounts, click here to view.

Fast and Easy Insurance Quotes

There are multiple methods you can shop for 2005 Subaru Impreza insurance but one way is easier and takes less work. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use online quoting to get prices fast.

Many popular insurance companies enroll in a system that enables customers to submit their information once, and every company returns a competitive quote determined by their information. This eliminates the need for repetitive form submissions for every insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The only downside to getting quotes like this is you can’t choose which providers to receive prices from. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

Whichever method you choose, double check that you are using apples-to-apples coverage information for each price quote. If you enter different deductibles it will be next to impossible to determine the lowest rate for your Subaru Impreza.

Subaru Impreza rates influenced by many factors

An important part of buying insurance is that you know some of the elements that help determine car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in better car insurance rates.

The following are a few of the “ingredients” car insurance companies consider when setting premiums.

  • Poor driving leads to higher costs – Even a single citation may increase your cost twenty percent or more. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that you can buy when buying car insurance. Things like vanishing deductibles, towing coverage and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if they’re wasting money remove them from your policy.
  • Don’t skimp on liability – Your policy’s liability coverage provides coverage if a court rules you are at fault for damages caused by your negligence. Liability provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • High credit ratings translate to low rates – Having a bad credit score is a huge factor in determining what you pay for car insurance. So if your credit score is lower than you’d like, you could be paying less to insure your 2005 Subaru Impreza by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.

How much car insurance do I need?

When it comes to choosing adequate 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 could help you determine if your insurance needs could use an agent’s help.

  • How high should my medical payments coverage be?
  • Is my cargo covered for damage or theft?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can my babysitter drive my car?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage if my license is suspended?
  • What is PIP insurance?
  • Is there coverage for injuries to my pets?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Do you really save 40% when you switch?

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as State Farm, Geico and Progressive. They all have a common claim that you’ll save big if you change your policy.

But how can every company make almost identical claims?

Insurance companies have a preferred profile for the right customer that makes them money. For example, a desirable insured could be a mature driver, is a homeowner, and has a short commute. A customer who fits that profile gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet this ideal profile must pay higher rates which usually ends up with business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that much. That’s why companies can truthfully claim big savings. This illustrates why you need to compare many company’s rates. You cannot predict which insurance companies will provide you with the cheapest Subaru Impreza insurance rates.

Auto insurance 101

Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

This coverage protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t 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 values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as loss of income, bail bonds, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru Impreza.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like doctor visits, pain medications, ambulance fees, dental work and funeral costs. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Collision coverage protection

This coverage will pay to fix damage to your Impreza caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, sustaining damage from a pot hole, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

In any little way, save everyday

When shopping online for insurance coverage, do not reduce coverage to reduce premium. In many instances, an insured dropped liability coverage limits only to regret they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

We just covered a lot of tips how to compare 2005 Subaru Impreza insurance prices online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on insurance coverage is with some of the lesser-known companies.

People switch companies for any number of reasons including policy cancellation, questionable increases in premium, delays in responding to claim requests and delays in paying claims. Regardless of your reason, finding a new company is actually quite simple.

More detailed insurance coverage information is available at these sites: