Save on 2004 Subaru Impreza Car Insurance Quotes

Finding lower premiums on insurance is difficult for consumers not familiar with shopping for insurance online. You have so many companies to choose from that it can quickly become a challenge to find lower rates.

It’s a great practice to shop coverage around quite often since insurance rates go up and down regularly. Despite the fact that you may have had the best deal for Impreza insurance a few years ago you may be paying too much now. Ignore everything you know about insurance because we’re going to demonstrate the only way to get good coverage at a lower rate.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. The purpose of this article is to familiarize you with how to effectively get price quotes and some tricks to saving. But consumers benefit from understanding the way insurance companies price insurance differently.

Comprehensive Car Insurance Comparison

There are multiple methods you can shop for 2004 Subaru Impreza car insurance but there is one way that is more efficient than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize online quotes to get the quickest rates.

Most of the best insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and at least one company provides a quote. This prevents consumers from doing quote requests to every company.

To compare 2004 Subaru Impreza rates now click here to start a free quote.

The only drawback to pricing coverage this way is that you can’t choose which insurance companies to receive prices from. So if you want to select from a list of companies to compare rates, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples quote information with every price quote. If you compare unequal deductibles or liability limits you will not be able to decipher which rate is best. Just a small difference in coverage limits can make a big difference in price. And when comparing car insurance rates, know that having more price comparisons will increase your chances of finding the best offered rates.

Best discounts on 2004 Subaru Impreza coverage

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but some must be requested specifically before they will apply.

Federal Employees – Employees or retirees of the government may qualify you for a discount for Impreza insurance with a few insurance companies.
Early Switch Discount – A few companies offer discounts for signing up before your current policy expires. It’s a savings of about 10%.
Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
No Charge for an Accident – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if offered at their school.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. But any discount will reduce your premiums.

To see a list of insurance companies with discount insurance rates, click this link.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions might point out if your insurance needs could use an agent’s help.

Do I pay less if my vehicle is kept in my garage?
When should I buy a commercial auto policy?
Why do I need rental car insurance?
What is covered by UM/UIM coverage?
Can my teen driver be rated on a liability-only vehicle?
Am I covered when driving a rental car?
Why am I required to get a high-risk car insurance policy?
What is roadside assistance coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Specific coverage details

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability

This coverage protects you from damage that occurs to a person or their property that is your fault. This coverage protects you against claims from 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. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, bail bonds, attorney fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses like hospital visits, prosthetic devices, rehabilitation expenses, ambulance fees and pain medications. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, fire damage, theft, damage from a tornado or hurricane and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.