Cheap 2015 Subaru Impreza Insurance Quotes

Looking for cheaper auto insurance rates for your Subaru Impreza? Finding cheaper insurance for your Subaru Impreza can normally be an all-consuming task, but you can follow our auto insurance buying tips to make it easier. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to quote coverages for your Subaru and find the lowest possible price.

It’s a good habit to get comparison quotes on a regular basis because rates trend upward over time. Just because you found the best price for Impreza insurance two years ago you can probably find a better price now. Block out anything you think you know about auto insurance because you’re about to find out the fastest way to find the best coverage while lowering your premiums.

Fast and Easy Insurance Quotes

Most companies such as 21st Century, Allstate and State Farm provide coverage price quotes online. Getting online rates is quite easy as you just type in your coverage information into the quote form. Once you submit the form, the company’s rating system gets your credit score and driving record and generates a price determined by many factors.

Online quotes simplifies rate comparisons, but having to visit multiple sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes if you are searching for the lowest price.

Rate comparisons made easy

The quickest way to find better insurance pricing makes use of a single form to return rates from several different companies. It’s a real time-saver, eliminates repetitive work, and makes online shopping much easier to do. Immediately after submitting the form, it is rated and you are able to buy any one of the quotes returned. If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To save time and find out how much you’re overpaying now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you duplicate the insurance coverages identical to your current policy. Doing this guarantees you will be getting a fair comparison using the exact same coverages.

Don’t pay full price with these discounts

Companies that sell car insurance don’t always list all their discounts very well, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving. If you don’t get every credit possible, you’re just leaving money on the table.

  • New Vehicle Savings – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Claim Free – Claim-free drivers pay less compared to bad drivers.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Driver Safety – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Air Bag Discount – Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Early Signing – Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

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

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • Is my cargo covered for damage or theft?
  • Do I have coverage if my license is suspended?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I get a multi-policy discount?
  • Where can I get insurance after a DUI in my state?
  • Is pleasure use cheaper than using my 2015 Subaru Impreza to commute?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, vandalism, damage from flooding, fire damage and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Subaru Impreza.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, surgery and doctor visits. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage will pay to fix damage to your Impreza from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, crashing into a building, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Auto liability – This coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, court costs and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.