View 2013 Subaru Impreza Insurance Rates

Looking for the cheapest insurance rates for your Subaru Impreza? Are you sick and tired of not being able to afford to buy car insurance? You are no different than many other consumers. Because there are so many options, it is very difficult to choose the cheapest company.

Compare Car Insurance Today

There are multiple methods to compare 2013 Subaru Impreza car insurance prices but some are more efficient than others. You could spend your day driving to insurance agencies in your area, or you could use the internet to maximize your effort.

Many insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each participating company can provide price quotes based on that information. This saves time by eliminating quote requests to each company.

To find out how much you can save on car insurance click to open in new window.

The only downside to using this type of form is you can’t choose which insurance companies you want to price. So if you prefer to pick from a list of companies to receive pricing from, we put together a list of low cost car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you’re using identical coverages for each price quote. If the quotes have higher or lower deductibles it will be next to impossible to find the best deal for your Subaru Impreza.

Do auto insurance companies bend the truth?

Consumers can’t get away from ads for cheaper car insurance by Progressive, Geico, Allstate and State Farm. They all seem to have a common claim of big savings if you change to their company.

How can each company make almost identical claims?

Insurance companies can use profiling for the driver that is profitable for them. For example, a driver they prefer could possibly be a mature driver, owns a home, and drives newer vehicles. Any driver who fits that profile receives the best rates and most likely will save when they switch companies.

Consumers who don’t measure up to these standards will be charged more money and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently claim big savings. That is why you should get quotes from several different companies. It’s impossible to know which auto insurance company will have the lowest Subaru Impreza insurance rates.

Your Subaru Impreza insurance rate is a complex equation

It’s important that you understand the different types of things that come into play when calculating the price you pay for car insurance. Knowing what determines base rates empowers consumers to make smart changes that can help you get big savings.

The list below includes some of the factors used by your company to calculate your rates.

  • Do men or women drive better? – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women have accidents at a similar rate, but men have costlier accidents. Men also get cited for more serious violations such as reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
  • Drive less and save money – The higher the mileage driven in a year’s time the more you will pay for car insurance. Most companies rate vehicles determined by how the vehicle is used. Autos not used for work or commuting can get a lower rate than those used for commuting. Having the wrong rating on your Impreza can cost quite a bit. Ask your agent if your car insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.
  • Discounts for married couples – Having a spouse actually saves money on car insurance. It usually means you are more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Your location is important – Being located in a rural area has it’s advantages when insuring your vehicles. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Fewer people means reduced accidents and a lower car theft rate.
  • Multiple policies with one company can save – Some insurance companies provide better rates to insureds who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you still need to shop around to make sure you are getting the best deal.
  • Do you know your deductibles? – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Subaru. Some instances where coverage would apply are a windshield shattered by a rock, damage from fire, or theft. Physical damage deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance on Impreza coverage.

Don’t miss these discounts

Companies offering auto insurance don’t always advertise every discount in an easy-to-find place, so we break down both the well known and the more hidden insurance savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • College Student – Kids in college who live away from home and don’t have a car can be insured at a reduced rate.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on Impreza coverage depending on your company.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.

It’s important to note that most discount credits are not given the the whole policy. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

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

When might I need help?

When it comes to choosing the best car insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can help discover whether you would benefit from professional advice.

  • Do I have any recourse if my insurance company denies a claim?
  • When should I not file a claim?
  • Which companies will insure high-risk drivers?
  • What are the best liability limits?
  • Am I covered if I crash into my own garage door?
  • Do I need to file an SR-22 for a DUI in my state?
  • When do I need to add a new car to my policy?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Insurance coverage options for a 2013 Subaru Impreza

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, fire damage, damage from flooding and theft. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, hitting a mailbox, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills like X-ray expenses, rehabilitation expenses, pain medications and chiropractic care. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This can cover damage that occurs to people or other property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, attorney fees, repair costs for stationary objects, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

A fool and his money are soon parted

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an insured dropped physical damage coverage only to regret that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

You just read many ways to get a better price on 2013 Subaru Impreza insurance. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the best prices are with some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.

Additional insurance coverage information can be found at the links below