How Much Does 2022 Subaru Impreza Insurance Cost in 2024?

Are you kicking yourself for buying high-priced insurance coverage? Don’t sweat it because you are not the only one feeling buyer’s remorse.

You have so many auto insurance companies to choose from, and although it’s a good thing to be able to choose, it makes it harder to adequately compare rates.

It’s important to get comparison quotes every six months due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the lowest rate for Impreza insurance on your last policy you can probably find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to teach you one of the quickest ways to find better rates and still maintain coverage.

Find Subaru Impreza insurance at a discount

The best way to find cheaper insurance is to take a look at some of the things that help determine your premiums. When you understand what determines premiums, this enables informed choices that will entitle you to better insurance rates.

• Annual mileage and car insurance rates – Driving more miles in a year the more you will pay for insurance. Many insurance companies apply a rate based on their usage. Autos that do not get driven very much cost less to insure than vehicles that are driven to work every day. Improper usage on your Impreza may be costing you higher rates. Make sure your insurance coverage is showing how each vehicle is driven, because it can save money.
• Women pay lower premiums – Statistics have proven that females tend to be a little less risky than males. It does not mean women are BETTER drivers than men. Women and men have accidents in similar percentages, but the males cause more damage. They also receive more major tickets such as DWI and reckless driving. Young males are the most expensive to insure and are penalized with high insurance rates.
• Car plus home equals more savings – Most insurance companies will give better rates to buyers who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even with this discount, consumers should still get quotes from other companies to verify if the discount is saving money. Drivers may still find lower rates by buying from different companies.
• Extra coverages that aren’t used – There are quite a few add-on coverages that you can get tricked into buying on your insurance policy. Insurance for things like roadside assistance, better glass coverage, and term life insurance are some examples. They may sound like good ideas when talking to your agent, but your needs may have changed so eliminate them to save money.
• Bad drivers pay high costs – Just one speeding ticket or other violation could increase your next policy renewal forty percent or more. Careful drivers get better rates than bad drivers. Drivers who get license-revoking citations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
• Allowing your policy to lapse raises prices – Allowing your coverage to lapse will be a sure-fire way to drive up your policy premiums. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
• What are good liability limits? – A critical coverage on your policy, liability insurance kicks in in the event that you are found to be at fault for physical damage or personal injury to other. This coverage provides legal defense coverage starting from day one. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.

These discounts can lower your insurance coverage rates

Insurance coverage is not an enjoyable expense, but you might be missing out on some discounts that can help lower your rates. Many discounts should be triggered when you complete an application, but once in a while a discount must be specially asked for in order for you to get them.

• Onboard Data Collection – Drivers who elect to allow their insurance coverage company to track vehicle usage by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they have good driving habits.
• Passive Restraints and Air Bags – Options like air bags may earn rate discounts of up to 25% or more.
• Paperless Signup – Certain larger companies will provide an incentive simply for signing over the internet.
• Drivers Ed for Students – Have your child complete a driver education course in school or through a local driver safety program.
• Memberships – Affiliation with a civic or occupational organization may earn a discount on insurance coverage.
• Homeowners Savings – Owning your own home or condo may earn you a small savings because maintaining a house is proof that your finances are in order.
• ABS Braking Discount – Cars and trucks with anti-lock braking systems are safer to drive and will save you 10% or more.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that all those discounts means the company will pay you, you’re out of luck.

A few popular companies and a summarized list of policyholder discounts can be found below.

• GEICO offers premium reductions for military active duty, air bags, membership and employees, anti-lock brakes, and emergency military deployment.
• Auto-Owners Insurance includes discounts for student away at school, safe driver, company car, group or association, and air bags.
• American Family has savings for accident-free, air bags, mySafetyValet, multi-vehicle, bundled insurance, and TimeAway discount.
• Esurance offers discounts including safety device, good driver, Switch & Save, renters, homeowner, online shopper, and multi-car.
• Progressive may offer discounts for multi-vehicle, online signing, online quote discount, continuous coverage, and good student.
• State Farm offers discounts for multiple autos, good student, multiple policy, defensive driving training, and safe vehicle.
• AAA has discounts for anti-theft, AAA membership discount, multi-car, education and occupation, pay-in-full, good student, and multi-policy.

If you need lower rates, check with every company how many discounts you can get. Some of the earlier mentioned discounts may not apply in every state.

Big brands don’t always mean big savings

Companies like Allstate and Progressive constantly bombard you with television, radio, and online ads. They all state the claim of big savings if you switch your policy. How does every company have lower policy pricing? This is the way they can do it.

Most companies quote the lowest rates for the right customer that earns them a profit. A good example of a profitable risk profile might have to be between the ages of 30 and 50, carries high limits, and has a short commute. A prospective insured that matches those criteria will get low auto insurance rates and will most likely save a lot of money.

Insureds who cannot meet the requirements may be forced to pay more expensive rates and this can result in the customer not buying. The trick is to say “customers that switch” but not “all drivers who get quotes” save that much money. That is how companies can state the savings.

Because of this risk profiling, it’s extremely important to get as many free auto insurance quotes as possible. It’s impossible to know which company will fit you best based on your risk profile.

Different people need different insurance coverage coverages

When it comes to buying the right insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique and your policy should reflect that. These are some specific questions might help in determining if you might need professional guidance.

• Do I benefit by insuring my home with the same company?
• Do I have coverage when making deliveries for my home business?
• Should I rate my 2022 Subaru Impreza as pleasure use or commute?
• Who is covered by my policy?
• Can I drive in Mexico and have coverage?
• Am I covered when pulling a rental trailer?
• Is my custom paint covered by insurance?
• Will my rates increase for filing one claim?
• Does my 2022 Subaru Impreza need full coverage?
• What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and enter your zip code.

Specific coverages for a Subaru Impreza

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, a broken windshield, rock chips in glass, hail damage and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This coverage covers damage to your Impreza caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like EMT expenses, prosthetic devices, X-ray expenses and pain medications. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like emergency aid, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Impreza.

Because many people 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 a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Online plus local equals savings

Low-cost 2022 Subaru Impreza insurance can be found both online and also from your neighborhood agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some car insurance companies may not provide the ability to get quotes online and usually these smaller providers sell through independent agents.

While you’re price shopping online, you should never reduce coverage to reduce premium. In many instances, an insured cut liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The goal is to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.