View 1996 Subaru Impreza Car Insurance Quotes

Are you sick and tired of not being able to afford to insure your Subaru every month? You’re in the same situation as many other consumers. Numerous car insurance companies battle for your business, so it can be very hard to choose a insurer and uncover the absolute best rates possible.

Compare Auto Insurance Today

Getting better 1996 Subaru Impreza auto insurance pricing is actually quite simple. You just need to take a few minutes comparing rate quotes online with multiple companies. This can be done in several different ways.

  • The recommended way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form eliminates the need for separate quotes for each company you want a rate for. Filling out one form will return price quotes from all major companies.
  • A different way to find lower rates consists of going to the website for each individual company to request a price quote. For instance, we’ll pretend you want comparison quotes from Auto-Owners, Liberty Mutual and Progressive. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you which method you use, but make absolute certain that you use apples-to-apples deductibles and coverage limits for every company. If the quotes have higher or lower deductibles it will be very difficult to make a fair comparison for your Subaru Impreza.

Are insurance coverage companies telling the truth?

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of Geico, State Farm and Progressive. All the ads say the same thing about savings after switching your coverage to them.

How does each company make almost identical claims?

Insurance companies have a certain “appetite” for the right customer that earns them a profit. An example of a desirable insured could be a mature driver, a clean driving record, and chooses high deductibles. A customer who matches those parameters is entitled to the best price and most likely will pay quite a bit less when switching companies.

Potential customers who fall outside these standards will have to pay higher premiums which leads to the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently make those claims.

Because of the profiling, drivers must compare as many rates as you can. It is impossible to predict the company that will provide you with the cheapest Subaru Impreza insurance rates.

Subaru Impreza insurance rates have many determining factors

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that may reward you with big savings.

  • Safer occupants lowers premiums – Vehicles with good safety scores get lower rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Subaru Impreza earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Policy add-ons can waste money – There are quite a few extra coverages that can waste your money when buying auto insurance. Insurance for vanishing deductibles, accident forgiveness and term life insurance are some examples. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • High deductibles save money – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Subaru. Some examples of claims that would be covered are collision with another vehicle, vandalism, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more money the insured has to pay upfront, the bigger discount you will receive on Impreza coverage.
  • Rates may be higher depending on your occupation – Jobs such as judges, business owners and dentists tend to have the highest average rates due to high stress levels and lengthy work days. Other jobs such as actors, historians and the unemployed receive lower rates on Impreza coverage.
  • Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Older drivers pay less – Teen drivers tend to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. If you’ve ever had to add a youthful driver onto your auto insurance can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Never go without insurance – Letting your insurance expire is a guaranteed way to pay more for auto insurance. And not only will your rates increase, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Your credit rating is important – Having a bad credit score is a important factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit history is low, you could pay less to insure your 1996 Subaru Impreza by repairing your credit.

Policy discounts you shouldn’t miss

Insuring your vehicles can cost a lot, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but some must be manually applied before being credited. If you aren’t receiving every discount possible, you are throwing money away.

  • Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts of more than 20%.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on Impreza coverage with certain companies.
  • Multiple Cars – Insuring all your vehicles with the same company may reduce the rate for each vehicle.
  • Drivers Ed for Students – Have your child enroll in driver’s education in high school.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Impreza coverage.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.

It’s important to understand that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will reduce your overall premium however.

A partial list of companies that possibly offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not apply everywhere.

Insurance agents can help

When choosing the best insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Should I bundle my homeowners policy with my auto?
  • How high should deductibles be on a 1996 Subaru Impreza?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is there coverage for injuries to my pets?
  • Does car insurance cover theft of personal property?
  • Should I buy additional glass protection?
  • Are all vehicle passengers covered by medical payments coverage?
  • When should I not file a claim?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverages for a Subaru Impreza

Learning about specific coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Liability – Liability insurance provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like medical services, repair costs for stationary objects and bail bonds. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverage – Collision coverage pays for damage to your Impreza resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree, rolling your car, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like rehabilitation expenses, X-ray expenses and nursing services. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, vandalism, a broken windshield and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru Impreza.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Buy Smart and Save

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just presented some good ideas how to reduce 1996 Subaru Impreza insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest priced insurance coverage comes from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Lower-priced insurance is attainable from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

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