Lower Your 2000 Subaru Impreza Insurance Rates

Searching for cheaper auto insurance rates for your Subaru Impreza? I can’t think of anyone who likes paying for auto insurance, especially when their premiums are too high. Companies like Allstate, Progressive and GEICO all claim big savings with ads and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Consumers need to take a look at other company’s rates before your policy renews since rates change frequently. Even if you think you had the lowest rates on Impreza coverage a year ago you will most likely find a better rate today. Ignore everything you know about auto insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.

How to Compare Auto Insurance Costs

All major auto insurance companies give prices for coverage on their websites. Obtaining pricing doesn’t take a lot of time as you just type in the coverage amounts you desire as detailed in the form. After you submit the form the system obtains reports for credit and driving violations and returns pricing information. Being able to quote online makes comparing rates easy, but the time required to go to different websites and fill out multiple forms is monotonous and tiresome. But it is imperative to get many rate quotes if you are searching for a better rate.

The easy way to compare rates

A quicker way to compare rates is to use a quote form that gets price quotes from more than one company. It saves time, eliminates form submissions, and makes rate comparisons much easier. After sending the form, it gets priced and you are able to buy any one of the pricing results. If you find a better price you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and could lower your rates considerably.

To quickly compare pricing, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you complete the form with the coverages just like they are on your policy. This guarantees you will receive an apples-to-apples comparison for similar coverage.

Complexity of Subaru Impreza insurance rates

Consumers need to have an understanding of the different types of things that help determine your car insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

  • Multi-policy discounts can save money – Some companies will award you with lower prices to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare other company rates to verify if the discount is saving money.
  • Safer cars are cheaper to insure – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Subaru Impreza is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Where you live – Residing in a small town is a positive aspect when talking about car insurance. Less people living in that area translates into fewer accidents. City drivers have more traffic problems and longer commute times. More time commuting means more change of being in an accident.
  • Pay less if you’re married – Having a wife or husband can get you a discount on your car insurance policy. It usually means you are more responsible and it’s proven that married couples file fewer claims.
  • Do you know you’re credit rating? – A driver’s credit history is a large factor in determining what you pay for car insurance. If your credit rating is not that good, you could pay less to insure your 2000 Subaru Impreza by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores.
  • With age comes lower rates – Older insureds are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers have a tendency to be more careless when behind the wheel therefore car insurance rates are much higher.
  • A clean driving record saves money – A bad driving record impacts your car insurance rates tremendously. Drivers with clean records get better rates compared to drivers with tickets. Even one ticket may increase your cost by twenty percent. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

Discounts are great for lower rates

Companies that sell car insurance don’t always list every discount in an easy-to-find place, so we took the time to find some of the more common and the more hidden insurance savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.
  • Low Mileage – Fewer annual miles on your Subaru can earn a substantially lower rate.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.

Companies that may have these money-saving discounts are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in every state.

You may need specialized coverage

When choosing the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation will benefit from professional help.

  • Should I buy full coverage?
  • Should I have combined single limit or split liability limits?
  • Why is insurance for a teen driver so high?
  • Is my 2000 Subaru Impreza covered for flood damage?
  • How does medical payments coverage work?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Auto insurance coverages explained

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Collision coverage

This covers damage to your Impreza from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability insurance

This will cover damage that occurs to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover 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 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, medical expenses, legal defense fees, medical services and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2000 Subaru Impreza.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, hail damage and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like doctor visits, pain medications, dental work and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

In the end, you save

When trying to cut insurance costs, never reduce coverage to reduce premium. There have been many situations where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your goal should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Budget-conscious 2000 Subaru Impreza insurance is attainable online as well as from independent agents, so compare prices from both to have the best selection. A few companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

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