Lower Your 2016 Subaru Impreza Insurance Quotes in 2024

Shoppers have a choice when shopping for low-cost Subaru Impreza insurance. You can either waste hours contacting agents getting price quotes or use the internet to find the lowest rates. There is a better way to compare auto insurance rates and we’ll show you the quickest way to quote coverages for your Subaru and find the cheapest rates from local insurance agents and online providers.

It’s a good habit to get comparison quotes occasionally because prices change quite often. Even if you think you had the best deal on Impreza insurance a couple years back there may be better deals available now. Don’t believe everything you read about auto insurance on the internet, but in a few minutes you can learn the best ways to lower your auto insurance bill.

Lower rates by qualifying for discounts

Car insurance can cost a lot, but companies offer discounts that you may not even be aware of. A few discounts will automatically apply when you get a quote, but less common discounts must be asked about before they will apply.

• New Vehicle Savings – Buying a new car model can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
• Club Memberships – Being a member of qualifying clubs or civic groups could earn you a nice discount on your next car insurance statement.
• Senior Citizen Rates – Drivers over the age of 55 could receive a small decrease in premiums on Impreza insurance.
• Active Service Discounts – Being deployed in the military could qualify you for better rates.
• Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
• Discounts for Responsible Drivers – Insureds without accidents may save up to 50% more on Impreza insurance than less cautious drivers.
• Own a Home – Owning a house can save a few bucks because it requires a higher level of personal finance.
• Switch and Save Discount – Select car insurance companies give a discount for buying a policy prior to the expiration date on your current policy. The savings is around 10%.
• Safety Restraint Discount – Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous.

Larger car insurance companies and some of the discounts are shown below.

• Mercury Insurance offers discounts including multi-car, location of vehicle, accident-free, good student, and low natural disaster claims.
• Farmers Insurance includes discounts for bundle discounts, pay in full, youthful driver, multi-car, mature driver, alternative fuel, and electronic funds transfer.
• Farm Bureau offers premium reductions for safe driver, driver training, 55 and retired, multi-vehicle, and renewal discount.
• State Farm has savings for good driver, passive restraint, multiple autos, student away at school, good student, multiple policy, and Drive Safe & Save.
• Allstate may include discounts for utility vehicle, resident student, farm vehicle, teenSMART discount, and anti-theft.
• GEICO has discounts for federal employee, seat belt use, good student, air bags, emergency military deployment, anti-theft, and multi-vehicle.

When comparing rates, check with all companies you are considering which credits you are entitled to. A few discounts might not be offered on policies in your area. To see companies who offer free car insurance quotes, enter your zip code here.

How to lower your car insurance cost

Finding a lower price on 2016 Subaru Impreza insurance isn’t really that difficult. You just have to take a few minutes to get quotes from some recommended companies. This is very easy and can be done in a couple of different ways.

One of the simplest ways to get quotes is an all-inclusive rate comparison. This easy form prevents you from having to do separate quote forms for every prospective company. Completing one form gets rate comparisons instantly. It’s definitely the quickest method.

A different way to get quotes online is to take the time to go to the website for each individual company and get a separate price quote. For sake of this example, we’ll pretend you want to compare prices for GEICO, Farmers and Progressive. In order to compare rates, you need to visit each site and repeatedly type in your coverage information, which can be really labor intensive.

If you have time to kill, the last way of getting rate comparisons to different agent offices. Comparing rate quotes online eliminates the need for an insurance agent unless you want the guidance that only an agent can give. Drivers can price shop online and still use a local agent.

How you compare quotes is your choice, just make darn sure you compare the same deductibles and coverage limits with every price quote. If you use different data it will be impossible to determine which rate is truly the best.

The Subaru Impreza insurance rate equation

It’s important that you understand some of the factors that help determine the level of your policy premiums. If you have a feel for what controls the rates you pay, this helps enable you to make changes that may result in cheaper rates. Lots of factors are part of the calculation when quoting car insurance. Some are pretty understandable like a motor vehicle report, although others are more obscure such as whether you are married or your commute time.

• When should you file a insurance claims? – Companies give lower rates to insureds who are not frequent claim filers. If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Insurance coverage is intended to be relied upon for more catestrophic claims.
• How your age affects prices – Teen drivers are statistically shown to be less responsible when at the wheel of a vehicle so car insurance rates are higher. If you’ve ever had to add a young driver onto a policy can cause a big jump in price. Older drivers are proven to be safer behind the wheel, cost insurance companies less in claims and tend to be get fewer driving tickets.
• Your job may affect rates – Occupations such as military generals, social workers and medical professionals tend to have the highest average rates attributed to intense work requirements and long work days. Other occupations like actors, students and retirees receive lower rates on Impreza insurance.
• Excellent credit equals lower costs – Having a good credit rating can be a huge factor in your rate calculation. Drivers with excellent credit tend to be more responsible and file fewer claims than those with poor credit scores. If your credit score is not that good, you could potentially save money when insuring your 2016 Subaru Impreza by spending a little time repairing your credit.
• Insure your auto and home with one company – The majority of insurance companies allow better rates to policyholders that have more than one policy such as combining an auto and homeowners policy. Even with this discount applied, it’s in your best interest to get quotes from other companies to make sure you are getting the best deal. You may still be able to save even more than the discount even if you insure with multiple companies.
• Avoid traffic tickets – Having just one speeding ticket or other violation could increase your next policy renewal by as much as thirty percent. Drivers with clean records pay lower auto insurance prices than their less careful counterparts. People who have severe violations like reckless driving, hit and run or driving under the influence may find they need to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.

Insurance coverage is unique, just like you

When it comes to buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your situation will benefit from professional help.

• Does my car insurance cover rental cars?
• When would I need rental car insurance?
• Can I afford to pay high deductible claims out of pocket?
• Am I covered when driving in Canada or Mexico?
• Are rock chip repairs covered?
• Is a new car covered when I drive it off the dealer lot?
• Can my teen drive my company car?
• When should my teen driver be added to my policy?
• Does insurance cover damages from a DUI accident?
• How can I find cheaper teen driver insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Collision – This will pay to fix damage to your Impreza resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a ditch, hitting a parking meter, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, hitting a deer and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability coverage can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $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 property.

Liability coverage protects against things like legal defense fees, bail bonds, medical services, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as pain medications, chiropractic care, prosthetic devices, surgery and EMT expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Subaru Impreza.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Find Good Coverage for Less

People who switch companies do it for many reasons like denial of a claim, delays in paying claims, poor customer service or even unfair underwriting practices. Whatever your reason, choosing a new company can be easier than you think.

You just learned many ways to shop for 2016 Subaru Impreza insurance online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the best car insurance rates are with a company that doesn’t do a lot of advertising.

Some insurance companies may not provide online rate quotes and usually these small insurance companies only sell coverage through independent agents. Cheap 2016 Subaru Impreza insurance is possible from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection.