2001 Subaru Impreza Insurance Rates – 7 Tips to Save

Searching for cheaper insurance coverage rates for your Subaru Impreza? Car insurance shopping is not a process consumers enjoy, but it’s a required process to be legal behind the wheel.

Smart consumers take time to do rate comparisons occasionally since rates go up and down regularly. If you had the best price on Impreza coverage on your last policy you will most likely find a better rate today. So ignore everything you know about insurance coverage because you’re going to get a crash course in the fastest and easiest way to save on insurance coverage.

Where Can I Get Cheap Insurance Coverage?

All the larger insurance coverage companies quote pricing on their websites. The process is quite simple as you simply enter the coverages you want into a form. Upon sending the form, their system gets credit information and your driving record and gives you a price quote based on these factors.

Being able to quote online makes it a lot easier to compare rates but the time it takes to visit different websites and type in the same information is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you want to find the lowest price.

The quickest way to locate the lowest prices utilizes a single form that obtains quotes from multiple companies. It saves time, requires less work, and makes online quotes a lot less work. After sending your information, it is rated and you can select any or none of the quotes that you receive. If the quotes result in lower rates, you can click and sign and buy the policy. This process takes less than 15 minutes and you will find out if you’re overpaying now.

To quickly compare rates now, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended you duplicate the insurance coverages exactly as they are listed on your policy. Doing this assures you’re receiving a price comparison for similar coverage.

Lower rates by qualifying for these seven discounts

Companies don’t always advertise every discount very well, so we researched both well-publicized and also the lesser-known discounts you could be receiving.

Early Signing – Select companies give a discount for switching to them prior to your current policy expiration. This can save 10% or more.
Defensive Driver – Taking a defensive driving course can save you 5% or more depending on where you live.
Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Impreza coverage than drivers with accident claims.
No Accidents – Claim-free drivers can save substantially as compared to accident-prone drivers.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.

It’s important to note that most discounts do not apply to your bottom line cost. Most 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 wouldn’t make money that way.

For a list of insurance companies who offer car insurance discounts, follow this link.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there really is not a perfect coverage plan. Every situation is different.

Here are some questions about coverages that might help in determining if you might need professional guidance.

What is roadside assistance coverage?
Can I afford to buy a different vehicle if my 2001 Subaru Impreza is totaled?
Is my business laptop covered if it gets stolen from my vehicle?
Does insurance cover damages from a DUI accident?
When should I remove comp and collision on my 2001 Subaru Impreza?
Can I rent a car in Mexico?
Is my state a no-fault state?
Is borrowed equipment or tools covered if stolen or damaged?
Am I covered by my spouse’s policy after a separation?
Is a blown tire covered by insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Specifics of your insurance policy

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, vandalism, fire damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses like doctor visits, pain medications, rehabilitation expenses and surgery. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Subaru Impreza.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance

This coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as emergency aid, funeral expenses, structural damage and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Coverage for collisions

Collision coverage pays for damage to your Impreza resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a ditch, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.