Cheap 2017 Subaru Impreza Insurance Quotes

Having to pay for expensive Subaru Impreza insurance can bleed your accounts and force you to cut corners elsewhere.

Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every provider and get the definite best price available.

Finding insurance coverage

Most of the larger companies like State Farm, Geico and Progressive allow you to get pricing on the web. Getting quotes doesn’t take a lot of time as you just type in your required coverages as requested by the quote form. Behind the scenes, their quoting system gets credit information and your driving record and returns a price based on many factors. Being able to quote online streamlines rate comparisons, but the time required to go to several different sites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to find the lowest insurance coverage rates.

Quote rates the easy way

The preferred way to get multiple rate quotes requires only one form that analyzes rates from many companies. This type of form saves time, requires less work, and makes quoting online much simpler. As soon as you send your information, it is quoted and you can select any or none of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process just takes a couple of minutes and can result in significant savings.

In order to compare rates now, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you copy the coverages exactly as they are listed on your policy. This guarantees you will receive rate quotes for the exact same coverage.

Insurance coverage policy discounts you can’t miss

Companies offering auto insurance don’t always publicize every possible discount very clearly, so we break down a few of the more well known in addition to some of the lesser obvious credits available to you.

  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class as it can save substantially.
  • No Claim Discounts – Drivers with accident-free driving histories get the best insurance coverage rates as compared to frequent claim filers.
  • New Vehicle Savings – Buying coverage on a new vehicle can get you a discount due to better safety requirements for newer models.
  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
  • Responsible Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less for Impreza coverage than less cautious drivers.
  • Auto/Home Discount – If you insure your home and vehicles and place coverage with the same company you may save at least 10% off all policies.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Distant College Student Discount – Youth drivers who live away from home at college and don’t have a car may be insured at a cheaper rate.
  • Military Rewards – Being on active duty in the military could trigger a small discount.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Even though it appears adding up those discounts means a free policy, it’s just not the way it works.

A list of insurance coverage companies and some of their more popular discounts are outlined below.

  • Mercury Insurance includes discounts for multi-policy, accident-free, professional/association, anti-theft, multi-car, and ease of repair.
  • Farmers Insurance offers premium reductions for mature driver, good student, electronic funds transfer, early shopping, distant student, and homeowner.
  • Farm Bureau has discounts for safe driver, multi-vehicle, youthful driver, driver training, renewal discount, good student, and multi-policy.
  • State Farm has savings for multiple autos, anti-theft, student away at school, multiple policy, defensive driving training, passive restraint, and safe vehicle.
  • Allstate policyholders can earn discounts including safe driver, resident student, auto/life discount, teenSMART discount, and anti-theft.
  • Geico may have discounts that include federal employee, anti-theft, driver training, seat belt use, military active duty, and five-year accident-free.

Before buying, ask every insurance company which discounts can lower your rates. Discounts might not be offered on policies in your area.

Lower your insurance costs

An important part of buying insurance is that you know a few of the rating criteria that go into determining your policy premiums. If you have some idea of what determines base rates, this helps enable you to make changes that will entitle you to lower car insurance prices.

  • Employer impacts rates – Did you know your occupation can influence how much you pay for car insurance? Occupations like military generalspolice officers and emergency personnel tend to have higher rates than average attributed to high stress and long work days. Other jobs like farmers, athletes and retirees generally pay rates lower than average for Impreza coverage.
  • Cheaper prices using GPS tracking and theft deterrents – Choosing a vehicle with an alarm system can save you some money. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft.
  • City traffic equals higher premiums – Having an address in areas with lower population is a positive aspect when insuring your vehicles. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates. Urban drivers have to deal with more road rage incidents and longer commutes to work. Higher commute times statistically corresponds to a higher accident and claim rate.
  • Put fewer miles on your vehicle – The higher the miles on your Subaru in a year’s time the more you’ll pay to insure your vehicle. A lot of companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that have low annual miles receive lower rates than vehicles that have high annual mileage. Verify your declarations sheet states the correct driver usage, because improper ratings can cost you money. An incorrectly rated Impreza can result in significantly higher rates.
  • Younger drivers pay higher prices – Older insureds are shown to be more cautious, tend to file fewer claims and tend to be get fewer driving tickets.Teen drivers are statistically shown to be less responsible behind the wheel so car insurance rates are higher.

Insurance agents can help

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you might need an agent’s assistance.

  • Should I carry comprehensive and collision coverage?
  • Are my friends covered when driving my car?
  • When should I remove comp and collision on my 2017 Subaru Impreza?
  • Is my 2017 Subaru Impreza covered for flood damage?
  • When can I cancel my policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Coverage specifics

Learning about specific coverages of a insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Comprehensive insurance

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

Comprehensive insurance covers claims like hitting a deer, hitting a bird, a broken windshield and hail damage. The most 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 removing comprehensive coverage.

Collision protection

Collision insurance will pay to fix damage to your Impreza from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Subaru Impreza.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills for nursing services, prosthetic devices, surgery and pain medications. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. 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, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like loss of income, legal defense fees, medical expenses, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage on a shoestring budget

The cheapest 2017 Subaru Impreza insurance can be bought online and from local agencies, so you need to quote auto insurance with both to get a complete price analysis. A few companies may not provide online quoting and these smaller companies prefer to sell through independent insurance agencies.

We’ve covered a lot of tips how to get a better price on 2017 Subaru Impreza insurance. It’s most important to understand that the more providers you compare, the better likelihood of getting affordable auto insurance. You may even find the lowest auto insurance rates are with some of the lesser-known companies. They may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

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