2007 Subaru Impreza Car Insurance Cost

Want lower insurance coverage rates? Drivers have many options when trying to find affordable Subaru Impreza insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to buy insurance coverage and you need to know the best way to compare rates for your Subaru and obtain the lowest price.

It’s smart to shop coverage around once or twice a year due to the fact that insurance rates go up and down regularly. Even if you got the lowest rates for Impreza insurance six months ago you can probably find a lower rate today. There is too much inaccurate information about insurance coverage on the web, but I’m going to show you some of the best ways to save money.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you will most likely be able to save some money using this information. Vehicle owners just need to learn the best way to get comparison rates over the internet.

Auto Insurance Quote Comparison

Finding a lower price on 2007 Subaru Impreza insurance is not rocket science. All that’s required is to invest a little time comparing rates online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  • The most efficient way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do multiple quote forms for every auto insurance company. A single form will get you price quotes from several companies. Recommended for those who want to invest the least amount of time.
  • A harder way to compare prices requires visiting the website for each individual company and fill out their own quote form. For instance, let’s assume you want rates from Auto-Owners, Farmers and Geico. To find out each rate you need to visit each site to input your insurance information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but compare exactly the same coverage limits for each comparison quote. If you compare differing limits then you won’t be able to find the best deal for your Subaru Impreza.

Take discounts and save

Companies that sell car insurance do not list every available discount very clearly, so we took the time to find both well-publicized and the harder-to-find auto insurance savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Early Signing – A few companies offer discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Impreza insurance with select insurance companies.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Claim Free – Drivers who don’t have accidents can save substantially as compared to frequent claim filers.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Impreza insurance than drivers with accidents.
  • Homeowners Savings – Being a homeowner can save you money because maintaining a house shows financial diligence.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.

It’s important to note that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think you could get a free auto insurance policy, you’re out of luck.

Companies that possibly offer these benefits include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings may not be available everywhere.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions could help you determine whether you could use an agent’s help.

  • What is an SR-22 filing?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does medical payments coverage apply to all occupants?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Understanding the coverages of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverages – Collision insurance pays for damage to your Impreza resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, rolling your car, scraping a guard rail, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for nursing services, rehabilitation expenses and surgery. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability – Liability coverage will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as medical services, funeral expenses, loss of income and emergency aid. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, fire damage, damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.