It’s an obvious statement that auto insurance companies don’t want you to look at other companies. Insureds who shop around for cheaper rates will, in all likelihood, switch to a new company because there is a great chance of finding a policy with more affordable rates. A recent study showed that drivers who make a habit of shopping around saved on average $70 a month as compared to drivers who never compared other company’s rates.
If saving money on Subaru Impreza insurance in Columbus is your ultimate objective, then having a good understanding the best way to compare car insurance can save money and time.
The easiest way to get affordable car insurance rates is to do an annual price comparison from insurers in Columbus. You can compare prices by completing these steps.
- Take a little time to learn about the different coverages in a policy and the things you can control to lower rates. Many risk factors that result in higher prices such as your driving record and a poor credit rating can be improved by making minor changes to your lifestyle. Keep reading for more ideas to help find cheaper rates and find overlooked discounts.
- Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can quote prices from multiple sources.
- Compare the new rate quotes to your existing policy and determine if there is any savings. If you find a better price, make sure there is no lapse in coverage.
The most important part of shopping around is to try to compare identical limits and deductibles on every price quote and and to get rate quotes from every insurance company. This helps ensure an apples-to-apples comparison and a better comparison of the market.
Finding the cheapest insurance coverage in Columbus can initially seem challenging. If you have insurance now, you will definitely be able to shop for the lowest rates using the techniques covered below. But Ohio drivers need to have an understanding of how the larger insurance companies calculate your policy premium because it can help you find the best coverage.
Subaru Impreza insurance charts and tables
The premium information displayed below covers detailed analysis of coverage prices for Subaru Impreza models. Understanding more about how car insurance prices are calculated can help customers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $104 | $172 | $296 | $18 | $88 | $678 | $57 |
| Impreza 2.5I 4WD Station Wagon | $104 | $172 | $296 | $18 | $88 | $678 | $57 |
| Impreza Outback Sport 4WD Station Wagon | $104 | $210 | $296 | $18 | $88 | $716 | $60 |
| Impreza 2.5I AWD 4-Dr | $118 | $210 | $296 | $18 | $88 | $730 | $61 |
| Impreza 2.5I Premium Package AWD 4-Dr | $118 | $248 | $296 | $18 | $88 | $768 | $64 |
| Impreza WRX 4WD Station Wagon | $118 | $248 | $296 | $18 | $88 | $768 | $64 |
| Impreza 2.5 GT 4WD Station Wagon | $130 | $248 | $296 | $18 | $88 | $780 | $65 |
| Impreza WRX AWD 4-Dr | $130 | $284 | $296 | $18 | $88 | $816 | $68 |
| Impreza 2.5I GT AWD 4-Dr | $130 | $284 | $296 | $18 | $88 | $816 | $68 |
| Impreza WRX STI 4WD Station Wagon | $130 | $284 | $296 | $18 | $88 | $816 | $68 |
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in your specific Columbus location which can decrease or increase auto insurance rates greatly.
Careless driving habits raise auto insurance rates
The chart below highlights how traffic violations and at-fault fender-benders impact Subaru Impreza insurance costs for each age group. The rate quotes are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Specific coverages for a Subaru Impreza
Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by car insurance companies.
Comprehensive coverages
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like theft, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as hitting a parking meter, damaging your car on a curb, crashing into a building, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible on your Impreza in order to get cheaper collision rates.
Uninsured and underinsured coverage
This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Subaru Impreza.
Since many Ohio drivers only purchase the least amount of liability that is required (25/50/25 in Ohio), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Liability insurance
This coverage provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability insurance covers things like emergency aid, legal defense fees, funeral expenses, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Ohio requires minimum liability limits of 25/50/25 but it’s recommended drivers buy higher limits.
The illustration below shows why the minimum limit may not be enough coverage.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for immediate expenses such as X-ray expenses, dental work, hospital visits and nursing services. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible
Do the work, save more money
Discount Subaru Impreza insurance in Columbus can be bought on the web and also from your neighborhood Columbus agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not provide online quoting and most of the time these small insurance companies prefer to sell through independent agents.
In this article, we covered a lot of techniques to save on Subaru Impreza insurance in Columbus. It’s most important to understand that the more companies you get prices for, the better likelihood of getting low cost Columbus auto insurance quotes. Drivers may even discover the lowest premium rates come from some of the smallest insurance companies. Some small companies often have lower prices on specific markets than their larger competitors like Allstate or State Farm.
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