Cheap 1998 Subaru Impreza Insurance Quotes

Looking for lower car insurance rates for your Subaru Impreza? Overwhelmed by the number of car insurance companies? You’re not alone. You have so many options available that it can quickly become a lot of work to compare prices.

Consumers need to take a look at other company’s rates occasionally because insurance rates are rarely the same from one policy term to another. Just because you found the best deal on Impreza insurance two years ago the chances are good that you can find a lower rate today. Starting right now, block out anything you think you know about car insurance because you’re going to get a crash course in the best way to save on car insurance.

Don’t pay full price with these discounts

Car insurance is not cheap, but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but some must be specifically requested before they will apply.

  • E-sign – Some insurance companies give back up to $50 for buying your policy over the internet.
  • Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Multiple Cars – Buying coverage for all your vehicles with the same company qualifies for this discount.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates on Impreza insurance.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

Insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Savings may not apply in every state.

The easiest way to get rate comparisons is to understand car insurance companies actually pay money for the chance to give free rates quotes. The one thing you need to do is provide the companies a bit of rating information such as if you have an active license, whether you have decent credit, your job, and which vehicles you own. That rating information gets sent immediately to insurance carriers in your area and they provide comparison quotes very quickly.

To compare multiple company rates now, click here then complete the form.

Why your Subaru Impreza insurance rates may be high

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get big savings.

The following are a partial list of the pieces that factor into your rates.

  • Safer cars cost less to insure – Cars with high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Subaru Impreza earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Older drivers save more – Teen drivers are known to get distracted easily when driving so car insurance rates are higher. Adding a youthful driver to your car insurance policy can be quite pricey. More mature drivers are more responsible, file fewer claims and receive fewer citations.
  • Increase deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Subaru from damage. A few examples of covered claims would be a windshield shattered by a rock, damage from fire, and windstorm damage. Your deductibles are the amount of money you are required to spend out-of-pocket before your car insurance pays a claim. The more you have to pay, the less your company will charge you for insurance on Impreza insurance.
  • Pleasure use saves money – The more you drive in a year the higher your rate. Most insurance companies apply a rate based upon how you use the vehicle. Autos that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy properly reflects the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Impreza may be wasting your money.
  • Are you male or female? – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Both sexes cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.

Your personal situation dictates your coverage

When it comes to buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Is there coverage for injuries to my pets?
  • Should I buy additional glass protection?
  • What exactly is covered by my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • When should I drop full coverage on my 1998 Subaru Impreza?
  • Am I covered if I hit a deer?
  • Should I buy only the required minimum liability coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance 101

Knowing the specifics of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability insurance

This provides protection from damage or injury you incur to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like bail bonds, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Subaru Impreza.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Comprehensive auto insurance

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, hail damage and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses for things like X-ray expenses, EMT expenses and ambulance fees. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your Impreza caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, crashing into a ditch, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

In Summary

Consumers change insurance companies for a variety of reasons including policy non-renewal, denial of a claim, high rates after DUI convictions and even questionable increases in premium. Regardless of your reason for switching companies, finding a new insurance company can be less work than you think.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage only to discover later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.

The cheapest 1998 Subaru Impreza insurance can be sourced from both online companies and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

Much more information about insurance can be found below: