1999 Subaru Impreza Insurance Quotes

If you’ve never shopped for car insurance online, it’s easy to get confused by the large number of online car insurance companies and websites selling insurance.

Smart consumers take time to compare rates occasionally because insurance rates are variable and change quite frequently. Just because you found the best price on Impreza insurance a couple years back the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about car insurance because you’re about to learn the quickest way to save on car insurance.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. This article will instruct you on how car insurance quotes work and some tricks to saving. But vehicle owners must comprehend how insurance companies sell insurance online and take advantage of how the system works.

Discounts can save BIG

Car insurance companies don’t necessarily list all their discounts very clearly, so the following is a list of both the well known and also the lesser-known discounts you could be receiving.

  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • Bundle and Save – When you have multiple policies with one company you may earn 10% to 20% off each policy.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Low Mileage Discounts – Fewer annual miles on your Subaru can earn a substantially lower rate.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.

Consumers should know that some credits don’t apply the the whole policy. A few only apply to individual premiums such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous.

To see a list of insurance companies with the best car insurance discounts, click here.

Insurance Quote Comparison

All major insurance companies like Geico, State Farm and Progressive quote pricing on their websites. Getting online quotes doesn’t take much effort as you just enter your coverage information as requested by the quote form. Once entered, their system sends out for your driving record and credit report and generates pricing information.

This simplifies rate comparisons, but the time required to go to several different sites and enter the same data into a form can be a bit repetitive. But it is imperative to compare as many rates as possible in order to find the lowest possible prices on insurance.

A quicker way to find lower prices uses one form that obtains quotes from several different companies. The form is fast, eliminates repetitive work, and makes price shopping online much easier. Immediately after submitting the form, your coverage is rated and you are able to buy any of the quotes returned. If you find a better price you can click and sign and purchase coverage. This process only takes a few minutes and you will find out if you’re overpaying now.

To quickly find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you enter the coverages identical to your current policy. This guarantees you will get rate quotes based on identical coverages.

Why your Subaru Impreza insurance rates may be high

It’s important that you understand the rating factors that help determine the price you pay for insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with lower insurance prices.

The following are some of the items companies use to determine rates.

  • Your location is important – Being located in a small town can be a good thing when buying insurance. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers who live in large cities tend to have much more traffic to deal with and longer commutes to work. Longer commute distances translates into higher accident risk.
  • More miles equals more premium – Driving more miles each year the higher your rate. Most companies charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage is rated on the proper vehicle usage. If your policy improperly rates your Impreza can cost quite a bit.
  • Small claims can cost you – Auto insurance companies generally give better rates to insureds who do not file claims often. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Your insurance policy is designed for larger claims.
  • Low deductibles can be expensive – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Subaru from damage. Some instances where coverage would apply would be running into the backend of another car, damage from fire, and rolling your vehicle. The deductibles are the amount of money you are willing to pay out-of-pocket before your insurance pays a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be on Impreza insurance.
  • Your car’s features help determine rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

Will just any policy work for me?

When it comes to choosing coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered by my spouse’s policy after a separation?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage if my license is suspended?
  • Does my insurance cover a custom paint job?
  • Am I better off with higher deductibles on my 1999 Subaru Impreza?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Are you falling for claims of savings?

Geico, State Farm and Progressive continually stream ads in print and on television. All the companies make an identical promise about savings after switching to their company. How can each company say the same thing? It’s all in the numbers.

All the different companies are able to cherry pick for the right customer that earns them a profit. An example of a driver they prefer might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. A customer who fits that profile is entitled to the best price and most likely will save a lot of money.

Potential customers who don’t qualify for the requirements will have to pay a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save money. This is how companies can truthfully state the savings. Because of the profiling, it is so important to get a wide range of price quotes. You cannot predict which company will give you the biggest savings on Subaru Impreza insurance.

Car insurance coverage information

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision insurance

This will pay to fix damage to your Impreza resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, scraping a guard rail, colliding with a tree, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like structural damage, repair bills for other people’s vehicles, medical expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, ambulance fees, prosthetic devices and chiropractic care. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Subaru Impreza.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

In any little way, save everyday

Throughout this article, we presented some good ideas how to reduce 1999 Subaru Impreza insurance prices online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from the least-expected company.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed collision coverage only to discover later that they should have had better coverage. Your aim should be to purchase a proper amount of coverage for the lowest price.

Budget-conscious insurance can be bought both online and with local insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not offer online price quotes and these regional insurance providers work with independent agents.

Additional insurance coverage information can be found below: