Cheaper 2013 Subaru Impreza Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

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Searching for better insurance rates for your Subaru Impreza? Having to pay for pricey Subaru Impreza insurance can stress out your bank account and force you to tighten up your finances. Performing a rate comparison can help to lower your monthly bill.

Insurance companies such as Progressive, State Farm and GEICO promote their brand names with ads and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

It’s important to do rate comparisons quite often because insurance rates fluctuate regularly. Even if you think you had the best rate for Impreza coverage last year you will most likely find a better price today. There are a lot of ways to save on insurance online but in just a couple of minutes you can learn some guaranteed methods to quit paying high insurance rates.

If you have a policy now or are just looking to switch companies, you will benefit by learning to cut your premiums and still get good coverage. Buying car insurance is quite easy. Drivers just need to understand how to compare rates on the web.

How insurance providers determine Subaru Impreza insurance prices

Many things are used when premium rates are determined. Some of the criteria are obvious such as your driving history, but other criteria are more transparent such as your credit history or how safe your car is.

  • Lower prices with GPS tracking and theft deterrents – Owning a car with advanced anti-theft systems can save you a little every year. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.
  • Safer vehicles cost less to insure – Cars with high safety ratings get lower rates. These vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less money paid by your insurance company and cheaper rates on your policy.
  • Getting married can lower prices – Having a spouse may save some money when buying insurance. Having a spouse means you’re less irresponsible and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Drivers with excellent credit save – A driver’s credit rating can be a huge factor in calculating your insurance rates. Therefore, if your credit score is not that good, you could pay less to insure your 2013 Subaru Impreza by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Your job and insurance rates – Occupations such as fire fighters, business owners and stock brokers generally pay higher rates than the rest of us due to high stress levels and lots of time spent away from family. Conversely, jobs like actors, engineers and performers generally pay rates lower than average for Impreza coverage.
  • Urban residents pay more – Living in less populated areas of the country can save you money when shopping for auto insurance. Lower population means fewer accidents and a lower car theft rate. People in densly populated areas have to deal with traffic congestion and longer commute times. The longer drive time means more chance of being in an accident.
  • Gender and auto insurance – Statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that women are better drivers. They both cause auto accidents at about the same rate, but the male of the species tend to have higher claims. They also get higher numbers of serious violations like DWI (DUI) or reckless driving.

Ways to get auto insurance quotes

Getting a cheaper price on 2013 Subaru Impreza insurance is an easy way to save money. Drivers just need to take a couple of minutes comparing free insurance coverage quotes to discover which company has cheap insurance coverage quotes. Shoppers can get rates in several different ways.

  1. If you’re in a hurry, the quickest way to find low rates is an all-inclusive rate comparison. This quick form saves time by eliminating a different quote for each price estimate. One form will return price quotes from all major companies.
  2. A harder way to get comparison quotes requires a trip to each individual company website and repeat the quote process again and again. For sake of this example, let’s say you want to see prices from Auto-Owners, Liberty Mutual and Allstate. You would be required to navigate to each company’s site to input your insurance information, which is not fast way to get rate quotes.
  3. If you have time to kill, the last method to shop rates is driving around to insurance agents’ offices. Doing it all online can eliminate the need for a local agent unless you have a need for the peace of mind that only an agent can give. Although you can compare the best prices online but buy from a local insurance agent.

Which method you use is up to you, but ensure you’re using the same coverages and limits on every quote you get. If you use higher or lower deductibles you can’t possibly decipher which rate is best.

Big names are not always cheapest

Drivers can’t ignore all the ads that promise big savings for switching from companies such as Progressive, Allstate and GEICO. All the companies say the same thing about savings if you get a free insurance coverage quote and switch to them.

It sounds good, but how can they all have lower policy pricing? This is the way they can do it.

Insurance providers have an ideal profile for the type of customer that will generate a profit. One example of a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and the vehicle is rated for pleasure use. Any customer who matches those parameters may get the lowest auto insurance rates and will probably save some money.

Potential customers who fall outside this stringent profile must pay more expensive rates and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save the amount stated. This is how companies can truthfully claim big savings.

Because every company is different, drivers must compare as many free insurance coverage quotes as you can. It is impossible to predict which insurance companies will have the lowest auto insurance rates for your situation.

Auto insurance policy discounts

Some companies do not advertise every possible discount in an easy-to-find place, so the list below details a few of the more common and also the lesser-known discounts that may be available.

  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents so you can save 10 percent or more.
  • Defensive Driver – Successfully completing a class that teaches defensive driving techniques can save you 5% or more and also improve your driving technique.
  • Claim-Free Discount – Drivers who don’t have accidents pay less in comparison with drivers who are more careless.
  • Military Discounts – Being deployed in the military may lower your rates slightly.
  • Discount for Multiple Policies – If you have multiple policies and insure them with the same company you could get a discount of up to 20% off your total premium.
  • Professional Memberships – Being a member of a qualifying organization could earn you a nice discount on auto insurance.
  • Telematics Devices – Insureds that choose to allow companies to look at driving habits remotely like Allstate’s Drivewise may get a rate reduction as long as they are good drivers.
  • Anti-theft System – Cars and trucks that have factory anti-theft systems help deter theft and earn discounts up to 10% off your insurance coverage quote.

Please keep in mind that most discounts do not apply to the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.

Larger auto insurance companies and some of their more popular discounts can be found below.

  • State Farm offers discounts for multiple autos, Drive Safe & Save, anti-theft, good student, accident-free, and defensive driving training.
  • GEICO has savings for daytime running lights, seat belt use, military active duty, defensive driver, five-year accident-free, and membership and employees.
  • Liberty Mutual policyholders can earn discounts including safety features, newly retired, preferred payment discount, multi-policy, exclusive group savings, good student, and teen driver discount.
  • The Hartford may include discounts for anti-theft, air bag, driver training, defensive driver, and good student.
  • MetLife discounts include good student, multi-policy, claim-free, defensive driver, and accident-free.
  • Progressive offers premium reductions for multi-policy, multi-vehicle, good student, online signing, and continuous coverage.

When comparing rates, check with each insurance company how many discounts you can get. Savings may not be available in your area. If you would like to see a list of auto insurance companies with discount auto insurance rates, enter your zip code here.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

  • Should I waive the damage coverage when renting a car?
  • Can I drive in Mexico and have coverage?
  • Are rock chip repairs covered?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if I hit a deer?
  • Why do I need rental car insurance?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Subaru Impreza.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, driving through your garage door, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance – Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, bail bonds, loss of income, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, funeral costs, EMT expenses, doctor visits and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Spend less. Save more.

We just showed you many ideas to shop for 2013 Subaru Impreza insurance online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance coverage is with a small mutual company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

Cost effective 2013 Subaru Impreza insurance is possible both online in addition to local insurance agencies, so you need to shop insurance coverage with both so you have a total pricing picture. Some insurance coverage companies may not offer internet price quotes and many times these small, regional companies prefer to sell through independent insurance agents.

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