Save Money on Subaru Impreza Insurance in Mesa

The recommended way to get discount Subaru Impreza insurance is to do a yearly price comparison from providers who provide auto insurance in Mesa.

• First, try to comprehend the different coverages in a policy and the modifications you can make to lower rates. Many policy risk factors that cause rate increases like traffic citations, accidents, and poor credit history can be eliminated by improving your driving habits or financial responsibility. This article provides ideas to prevent high prices and find overlooked discounts.
• Second, get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from multiple companies.
• Third, compare the new rates to your current policy premium to see if switching to a new carrier will save money. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
• Fourth, provide adequate notice to your current company to cancel your current coverage and submit a down payment and signed policy application to your new insurance company. Immediately upon receiving it, keep the new proof of insurance paperwork in a readily accessible location in your vehicle.

A good piece of advice is to try to compare the same coverage limits and deductibles on each price quote and and to compare every insurance company. This helps ensure a fair rate comparison and the best rate selection.

Surprisingly, a recent survey revealed that the vast majority of consumers have bought car insurance from the same company for a minimum of four years, and practically 40% of car insurance customers have never shopped around. The average driver in America could cut their rates by $860 a year by just comparing rate quotes, but they don’t want to take the time to compare rate quotes online.

If you are already insured or just want to save money, you can follow these tips to find better prices and still have adequate protection. Buying the cheapest car insurance in Mesa can initially seem challenging. Smart shoppers just have to understand the most time-saving way to find the lowest price using one simple form.

Subaru Impreza insurance analysis

The price information shown below highlights a range of insurance costs for Subaru Impreza models. Being aware of how insurance prices are determined can aid in making informed decisions when comparing rates.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in zip code location which can lower or raise prices substantially.

Higher deductibles lower rates

A question often asked by Mesa drivers is at what level do you set your deductibles. The following insurance rates can help show the difference in cost when you choose different comp and collision deductibles. The first data set uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in zip code location which can impact price quotes considerably.

Based on the figures above, using a $250 deductible will cost you about $14 more each month or $168 every year averaged for all Impreza models than opting for the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 18 months between claim filings, you would probably come out ahead by going with a higher deductible.

The diagram below demonstrates how choosing different deductibles and can affect Subaru Impreza insurance premiums for different age groups. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Car insurance premiums based on gender

The illustration below shows the comparison of Subaru Impreza yearly insurance costs for male and female drivers. The data assumes no claims or driving citations, full coverage, $100 deductibles, single marital status, and no policy discounts are applied.

Full coverage rates compared to liability-only

The information below compares Subaru Impreza insurance prices with full physical damage coverage and with liability coverage only. The premium estimates are based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are applied.

When to stop paying for full coverage

There is no specific rule to stop paying for full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Subaru Impreza settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after paying your deductible. If premium cost is more than $400 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Lower Insurance Rates with These Tips

Lots of things are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but some are not as apparent like where you live or your financial responsibility.

The following are a few of the “ingredients” that factor into your prices.

• Better credit means lower rates – Your credit rating can be a huge factor in calculating your auto insurance rates. Drivers who have very good credit scores tend to be better risks to insure than drivers who have poor credit scores. Therefore, if your credit history can use some improvement, you could be paying less to insure your Subaru Impreza if you improve your credit rating.
• Alarms and GPS tracking lower prices – Buying a car that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
• High coverage deductibles equal low rates – Physical damage insurance, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some coverage claims could be a windshield shattered by a rock, flood damage, and rolling your vehicle. The deductibles you choose are the amount of money you are required to pay if the claim is covered. The larger the amount you choose to pay out-of-pocket, the less your company will charge you for insurance.

• What type of car, truck or SUV do you drive? – The performance level of the car you are insuring makes a big difference in how high your rates are. The cheapest rates will generally be found on low performance passenger vehicles, but other factors influence the final cost greatly.

  The next chart assumes a married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Subaru Impreza policy rates compared to other models of vehicles that have a range of risk factors.

• Cautious drivers pay less – Your driving record impacts your car insurance rates tremendously. Even a single driving citation may increase your cost by as much as thirty percent. Good drivers pay less for auto insurance compared to drivers with tickets. Drivers who have dangerous violations such as DUI or willful reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.

  The example below shows how traffic citations and accidents can influence Subaru Impreza annual premium costs for different categories of driver ages. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

• Drive less and get lower costs – The more miles you rack up on your Subaru annually the higher your rates will be. Most companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that do not get driven very much can be on a lower rate level than cars that get driven a lot. Incorrect rating for your Impreza may be wasting your money. Verify your vehicle rating reflects annual mileage.

• Subaru Impreza historical loss data – Insurance companies use statistical claims data as a tool for profitable underwriting. Vehicles that the data determines to have high amounts or severity of claims will cost more for specific coverages. The information below illustrates the insurance loss data for Subaru Impreza vehicles.

  For each policy coverage type, the statistical loss for all vehicles averaged together is represented as 100. Numbers under 100 imply a favorable loss record, while values that are above 100 point to more frequent losses or an increased probability of a larger loss.

  
  

  Subaru Impreza Insurance Loss Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Subaru Impreza 4WD	96	80	110	79	78	81

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Shop smart and save

When getting Mesa car insurance quotes online, make sure you don’t skimp on coverage in order to save money. In too many instances, an insured dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

We just showed you a lot of techniques to compare Subaru Impreza insurance auto insurance rates in Mesa. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding affordable Mesa car insurance quotes. You may even be surprised to find that the lowest auto insurance rates come from a smaller regional carrier. Regional companies can often provide lower premium rates in certain areas compared to the large companies like Progressive and GEICO.

Other learning opportunities

• Child Safety FAQ (iihs.org)
• How Much is Mesa Car Insurance for a Toyota Corolla? (FAQ)
• What is Covered by GAP Insurance? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Booster Seat Ratings (iihs.org)