2008 Subaru Impreza Insurance Quotes – 10 Ideas for Cheapest Rates

I can’t think of anyone who enjoys paying for auto insurance, especially knowing the cost is way too high. Popular companies such as GEICO and Progressive all claim big savings with ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

Save big with these ten discounts

Companies that sell car insurance do not list every available discount very well, so we took the time to find some of the more common and the more hidden car insurance savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Accident Free – Good drivers with no accidents pay much less compared to accident-prone drivers.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for Impreza coverage with select insurance companies.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.

It’s important to note that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

Car insurance companies that possibly offer these money-saving discounts are:

Double check with every prospective company how you can save money. All car insurance discounts may not apply everywhere.

The quickest method we recommend to compare rate quotes is to take advantage of the fact auto insurance companies will pay a fee to give free rates quotes. To get started, all you need to do is provide a small amount of information such as daily mileage, coverage limits, how much school you completed, and if you’re married. Your insurance information is then sent to insurance carriers in your area and you receive quotes instantly.

But I don’t know anything about car insurance

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions may help you determine whether you might need professional guidance.

  • How do I file an SR-22 for a DUI in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my 2008 Subaru Impreza is worth?
  • Am I covered by my spouse’s policy after a separation?
  • Can I afford to buy a different vehicle if my 2008 Subaru Impreza is totaled?
  • What is covered by UM/UIM coverage?
  • Are my friends covered when driving my 2008 Subaru Impreza?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Collision insurance

Collision insurance covers damage to your Impreza resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, rolling your car, colliding with a tree, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, damage from flooding, vandalism, fire damage and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as bail bonds, structural damage, attorney fees, funeral expenses and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses for doctor visits, surgery, ambulance fees and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

In any little way, save everyday

Cheaper 2008 Subaru Impreza insurance is available online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, do not buy poor coverage just to save money. There have been many cases where someone dropped uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at a price you can afford.

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