2009 Subaru Impreza Insurance Quotes – 5 Discounts for Best Rates

Searching for cheaper auto insurance rates for your Subaru Impreza? I can’t think of anyone who likes paying for auto insurance, especially knowing their premiums are too high.

There are many insurance companies to insure vehicles with, and although it’s nice to be able to choose, it makes it harder to find the best rates.

Finding the best rates is not rocket science. If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Although consumers must comprehend how big insurance companies determine prices because it can help you find the best coverage.

Low Cost Insurance

The are a couple different ways of comparing rate quotes from local insurance companies. The easiest way by far to find the lowest 2009 Subaru Impreza rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

  • The fastest way to find low rates is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate quotation requests for each company you want a rate for. One quote request will get you rate comparisons from multiple low-cost companies.
  • Another way to get comparison quotes is spending the time to visit the website of each company to request a price quote. For instance, we’ll assume you want to compare Progressive, Safeco and Travelers. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  • The hardest way of getting rate comparisons is to waste gas driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance only provided by licensed agents. However, consumers can compare the best prices online and get advice from an agent in your area and we’ll touch on that later.

Whichever way you use, ensure you’re using identical coverages for each price quote. If you enter different values for each quote it’s impossible to determine the best price for your Subaru Impreza. Having just a slight variation in coverage limits can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes gives you a better chance of getting the best price.

Do you really save 40% when you switch?

State Farm, Geico and Progressive constantly bombard you with ads on TV and radio. All the companies make an identical promise that you can save if you switch to their company. How do they all make almost identical claims?

All the different companies have a preferred profile for the type of driver that is profitable for them. An example of a desirable insured might be over the age of 40, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters receives the best rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be charged more money and ends up with business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save that kind of money. That is how insurance companies can make those claims. That is why you absolutely need to compare many company’s rates. It’s impossible to know the company that will provide you with the cheapest Subaru Impreza insurance rates.

Discounts can save BIG

Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so here is a list some of the more common and also the lesser-known ways to save on insurance.

  • Defensive Driving Course – Taking a course in driver safety can save you 5% or more if you qualify.
  • No Accidents – Claim-free drivers pay less when compared to frequent claim filers.
  • Discount for New Cars – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Multiple Cars – Having all your vehicles with the same company could earn a price break for each car.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.

It’s important to note that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Car insurance companies that may offer these money-saving discounts include:

Double check with each insurance company what discounts are available to you. Discounts may not be available in your state.

Will just any policy work for me?

When it comes to buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine whether or not you will benefit from professional help.

  • What if I owe more than I can insure my car for?
  • Is a fancy paint job covered?
  • Am I covered when using my vehicle for business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What are the financial responsibility laws in my state?
  • Why is insurance for a teen driver so high?
  • Is a blown tire covered by insurance?
  • Do I pay less for low miles?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage basics

Understanding the coverages of car insurance helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most car insurance policies.

Coverage for liability – Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as court costs, bail bonds, pain and suffering and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Subaru Impreza.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for funeral costs, nursing services and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

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

Comprehensive car insurance – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, a broken windshield, hitting a deer and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

In conclusion

You just read some good ideas how to save on 2009 Subaru Impreza insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a small mutual company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

The cheapest insurance can be purchased both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

More detailed insurance information is available in these articles: