1997 Subaru Impreza Car Insurance Rates – 8 Ways to Save

People not familiar with comparing insurance rates online could find purchasing low-cost auto insurance is not as easy as it seems.

It’s a good idea to get comparison quotes on a regular basis because rates are constantly changing. Even if you think you had the best deal on Impreza coverage six months ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to find out the proper way to properly buy coverages while reducing your premium.

Finding affordable coverage is quite easy. In a nutshell, anyone who is required by state law to have insurance will more than likely be able to lower their premiums. But drivers need to learn the way insurance companies market on the web and use this information to your advantage.

The best way we recommend to compare rate quotes is to take advantage of the fact car insurance companies provide online access to give rate comparisons. All consumers are required to do is give the companies some data such as the make and model of your vehicles, your credit rating estimate, your occupation, and the ages of drivers. That information gets transmitted to multiple different insurance companies and they return rate quotes with very little delay.

To compare rates for a 1997 Subaru Impreza now, click here and complete the form.

Do you qualify for a discount?

Car insurance companies don’t always list all available discounts very clearly, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Resident Student – Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Own a Home – Owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates on insurance coverage on Impreza coverage.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you will save at least 10% off all policies.

Consumers should know that some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

A partial list of companies that possibly offer these benefits include:

It’s a good idea to ask each company how you can save money. Some discounts may not apply in your area.

What coverages do I need?

When buying the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is covered by UM/UIM coverage?
  • Should I buy additional glass protection?
  • Will my insurance pay for OEM parts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is upholstery damage covered by car insurance?
  • Does insurance cover damages from a DUI accident?
  • Does my medical payments coverage pay my health insurance deductible?
  • What exactly is covered by my policy?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Learning about specific coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability coverage – Liability insurance will cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as bail bonds, medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, fire damage and theft. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as chiropractic care, funeral costs, EMT expenses, ambulance fees and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays for damage to your Impreza caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a mailbox, scraping a guard rail, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and 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 is very important.

In any little way, save everyday

People switch companies for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, lack of trust in their agent and even policy cancellation. No matter why you want to switch, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

In this article, we covered a lot of ways to get a better price on 1997 Subaru Impreza insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance coverage comes from the least-expected company.

Budget-conscious insurance can be bought from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. A few companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Even more information is located by following these links: