2011 Subaru Impreza Insurance Rates

Want lower insurance rates for your Subaru Impreza? Feel like you’re a prisoner to high-priced insurance? Trust us, there are lots of people in the same boat. Drivers have so many car insurance companies to pick from, and although it’s a good thing to have multiple companies, it can be more difficult to compare rates.

It’s a great practice to take a look at other company’s rates periodically because rates are constantly changing. Just because you had the best rates on Impreza insurance last year the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about insurance on the internet, so I’m going to show you some great ideas on how to find cheap insurance.

Subaru Impreza insurance premiums are calculated by many factors

Smart consumers have a good feel for the factors that help determine auto insurance rates. Knowing what determines base rates empowers consumers to make smart changes that can help you get big savings.

  • Your age impacts your rates – Teen drivers have a tendency to be less responsible behind the wheel so they pay higher auto insurance rates. Having to add a youthful driver to your policy can be very expensive. Older drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Do you know you’re credit rating? – Having a bad credit rating is a big factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores. So if your credit score can use some improvement, you could save money insuring your 2011 Subaru Impreza by spending a little time repairing your credit.
  • More than one policy can earn a discount – Many auto insurance companies give discounts to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to compare rates to verify if the discount is saving money.
  • Little extras can really add up – There are quite a few extra bells and whistles that can waste your money on your Impreza policy. Coverages like roadside assistance, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment at first, but now you might not need them so get rid of them and save.

The easiest way to compare rate quotes is to know most larger insurance companies will pay a fee to provide you with a free rate quote. To get started, all you need to do is provide a little information including if you have an active license, if a SR-22 is needed, coverage limits, and distance driven. Your insurance information is automatically sent to multiple companies and you should receive rate quotes very quickly.

Cut your premium with discounts

Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. Most are applied when you get a quote, but a few need to be inquired about before they will apply. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Bundle and Save – When you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Resident Student – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.
  • Drive Less and Save – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on Impreza insurance with certain companies.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. But all discounts will help reduce the cost of coverage.

For a list of insurers who offer insurance coverage discounts, click here to view.

What is the best insurance coverage?

When choosing the right insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

  • Am I covered when driving on a suspended license?
  • When would I need additional glass coverage?
  • Am I better off with higher deductibles on my 2011 Subaru Impreza?
  • Is a blown tire covered by insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are my friends covered when driving my car?
  • Which companies will insure high-risk drivers?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

Specific coverage details

Understanding the coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.

Liability car insurance – Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like attorney fees, loss of income and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills such as X-ray expenses, ambulance fees and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, damage from getting keyed and damage from flooding. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – This coverage covers damage to your Impreza resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, hitting a mailbox, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Quote more. Save more.

You just read quite a bit of information on how to reduce 2011 Subaru Impreza insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the best prices are with some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

Discount insurance is possible on the web and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

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