View 1993 Subaru Impreza Car Insurance Rates

Are you a victim of an overpriced car insurance policy? Trust us, you’re not alone.

Consumers have many insurers to pick from, and although it’s a good thing to have a selection, having more insurers makes it harder to compare company pricing.

You should take the time to compare rates once or twice a year since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates for Impreza coverage last year you will most likely find a better rate today. So ignore everything you know about car insurance because you’re about to learn the only way to remove unneeded coverages and save money.

Finding the best rates is not that difficult. In a nutshell, every vehicle owner who shops for insurance should be able to find lower rates. But vehicle owners must understand how big insurance companies sell online and apply this information to your search.

Are you getting all your discounts?

Companies don’t necessarily list every available discount very well, so the following is a list of both well-publicized as well as the least known discounts you could be receiving.

  • Paperless Signup – Certain companies will give a small break just for signing your application digitally online.
  • No Claims – Good drivers with no accidents pay much less when compared to bad drivers.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Multiple Cars – Having all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Save over 55 – Older drivers may be able to get a small decrease in premiums for Impreza coverage.
  • No Charge for an Accident – Certain companies will allow you to have one accident without raising rates as long as you don’t have any claims for a set time period.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if it’s offered in school.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. So when it seems like you could get a free auto insurance policy, you won’t be that lucky.

To see a list of providers with discount auto insurance rates, click this link.

How to Get Cheap Auto Insurance

Effectively comparing auto insurance prices can take time and effort if you don’t understand the most efficient way to do it. You can waste hours talking to insurance agencies in your area, or you could save time and use the internet to maximize your effort.

Most of the best insurance companies participate in an industry program that enables customers to submit one quote, and each company then returns a price quote. This system prevents you from having to do form submissions to each individual auto insurance company.

To compare 1993 Subaru Impreza rates now click here to open in new window.

One minor caviat to getting quotes like this is that you can’t choose which insurance companies you want to price. If you wish to select from a list of companies to request quotes from, we have a page of companies who write auto insurance in your area. View list of insurance companies.

However you get your quotes, make absolute certain that you use apples-to-apples coverage limits for every company. If you have mixed coverages then you won’t be able to determine the lowest rate for your Subaru Impreza. Slightly different insurance coverages can make a big difference in price. And when comparison shopping, comparing more company’s prices will improve the odds of getting a better price.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different and your policy should reflect that. For example, these questions could help you determine whether your personal situation may require specific advice.

  • If my 1993 Subaru Impreza is totaled, can I afford another vehicle?
  • Is business property covered if stolen from my car?
  • If I drive on a suspended license am I covered?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I have coverage when making deliveries for my home business?
  • Does liability extend to a camper or trailer?
  • Do I have coverage when pulling a U-Haul trailer?
  • When can I cancel my policy?
  • How do I file an SR-22 for a DUI in my state?
  • What is no-fault insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance specifics

Having a good grasp of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, damage from getting keyed, hail damage, damage from flooding and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for rehabilitation expenses, surgery, funeral costs, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Subaru Impreza.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Liability coverage – Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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

Liability coverage protects against claims such as pain and suffering, repair costs for stationary objects, attorney fees, medical expenses and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

And the best car insurance company is…

We’ve covered many tips how you can shop for 1993 Subaru Impreza insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the most savings is with a smaller regional carrier. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or Geico.

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There are many occasions where someone dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Affordable insurance is attainable online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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