1995 Subaru Impreza Insurance Rates – 7 Tips for Cheaper Quotes

Trying to find cheaper car insurance rates for your Subaru Impreza? Finding the lowest price for car insurance can be difficult if you’ve never compared online price comparisons. But don’t let that discourage you because there is an easy way to compare rates.

It’s important to take a look at other company’s rates at least once a year since insurance rates are constantly changing. Just because you found the best rates for Impreza insurance on your last policy you can probably find a lower rate today. You can find a lot of wrong information about car insurance online, so with this article, you’re going to get the easiest ways to buy car insurance cheaper.

Cut your premium with these seven discounts

Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so here is a list some of the more common and the more hidden ways to save on car insurance.

  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • No Accidents – Claim-free drivers pay much less when compared to bad drivers.
  • Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Own a Home – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

Car insurance companies that may have these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts might not apply everywhere.

How to Lower Your Insurance Coverage Cost

There are several ways to get quotes from local insurance coverage companies. The best way to compare 1995 Subaru Impreza insurance prices is simply to get online rate quotes. This can be done using a couple different methods.

  1. One of the simplest ways to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing separate quote forms for each company. One form gets rate comparisons direct from many companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to analyze rates requires a visit to the website for each individual company and fill out their own quote form. For sake of this example, let’s assume you want rates from Nationwide, 21st Century and Farmers. You would have to visit each site to input your insurance information, and that’s why the first method is more popular.

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

  3. The most time-consuming method of comparing rate quotes is driving around to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional advice of a licensed agent. However, consumers can find lower rates online and still use a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just compare the exact same quote information with every price quote. If your comparisons have different values for each quote it’s not possible to determine the lowest rate for your Subaru Impreza. Having just a slight variation in coverages could mean much higher rates. Keep in mind that comparing a large number of companies helps you find lower pricing.

What is the best insurance coverage?

When choosing the best car insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions could help you determine whether or not you could use an agent’s help.

  • Is my teen driver covered when they drive my company car?
  • What if I total my 1995 Subaru Impreza and owe more than it’s worth?
  • Is a fancy paint job covered?
  • What discounts do I qualify for?
  • Should I carry comprehensive and collision coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when driving in Canada or Mexico?
  • Do I need an umbrella policy?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, a broken windshield and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1995 Subaru Impreza.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability car insurance

Liability coverage provides protection from damage that occurs to other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like bail bonds, structural damage, court costs, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision coverage protection

This coverage pays for damage to your Impreza resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like surgery, chiropractic care and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Be a money saver!

We covered a lot of techniques to compare 1995 Subaru Impreza insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Drivers change insurance companies for a variety of reasons including policy non-renewal, extreme rates for teen drivers, delays in paying claims and even poor customer service. It doesn’t matter what your reason, finding a new company is less work than it seems.

Cheap insurance can be sourced both online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide online quoting and these small insurance companies work with independent agents.

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