Find Affordable Subaru Impreza Insurance in San Diego

Subaru Impreza insurance image courtesy of QuoteInspector.com

No car owner looks forward to paying premiums for car insurance, particularly when they are paying too much.

Sad but true, nearly 70% of consumers have been with the same company for more than four years, and about 40% of consumers have never shopped around. Consumers in the U.S. could save themselves 46.5% a year by just comparing quotes, but they just don't understand the big savings they would realize if they just switched companies. Since consumers have many choices for buying lower-cost insurance for a Subaru Impreza in San Diego, it's difficult to find the most cost effective insurer.

Buying the cheapest car insurance in San Diego is actually not that difficult if you follow our advice. If you have a current car insurance policy, you will surely be able to find the best rates using these methods. You just have to learn the most efficient way to shop for car insurance online from multiple companies.

Cheap Subaru insurance price quotes in San Diego

The following companies are ready to provide free quotes in San Diego, CA. If the list has multiple companies, we suggest you click on several of them in order to find the most affordable rates.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in vehicle location which can lower or raise premium rates significantly.

Auto insurance deductibles

The example below illustrates how choosing a deductible and can raise or lower Subaru Impreza insurance rates for each different age category. The prices are based on a married female driver, full coverage, and no discounts are factored in.

Should you buy full coverage?

The example below examines Subaru Impreza annual premium costs when comparing full coverage to state minimum liability only. The premiums are based on no accidents or driving violations, $500 deductibles, married male driver, and no discounts are taken into consideration.

Guidelines for eliminating full coverage

There is no clear-cut formula that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let's say your Subaru Impreza replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after the policy deductible has been paid. If premium cost is more than $300 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where only buying liability is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Subaru Impreza Insurance Premiums Can Be More Affordable

Multiple criteria are part of the equation when premium rates are determined. A few of the factors are predictable such as traffic violations, but others are less obvious such as your credit history or how safe your car is.

• Where you call home - Being located in less populated areas is a positive aspect when it comes to insurance. Less people corresponds to lower accident rates. Drivers who live in large California cities have more road rage incidents and a longer drive to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.
• Rates can drop if you have more than one policy - Most major companies will award a discount to people who buy several policies from them in the form of a multi-policy discount. The discount can add up to ten or even fifteen percent. Even if you qualify for this discount already, drivers will still want to compare Subaru Impreza rates in San Diego to guarantee you are still saving the most.
• The type of car you drive affects your costs - The type of car you are insuring makes a big difference in the rate you pay. Because the Subaru Impreza is a sport coupe, insuring your vehicle will cost much more when compared to the average rates in San Diego. Economy passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
• Safer cars means better insurance rates - Vehicles that have high safety ratings get lower rates. Vehicles built for safety result in less severe injuries and better occupant protection translates directly to fewer claims passed on to you as lower rates.
• Being married equates to better costs - Having a wife or husband can get you a discount on your insurance bill. Marriage usually means you are more financially stable and insurance companies reward insureds because married drivers tend to file fewer claims.
• Which gender costs less? - Statistics have proven females are less aggressive when driving. The data does not necessarily mean that men are worse drivers. Men and women have auto accidents at about the same rate, but the males tend to have higher claims. Men also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore pay the highest rates.
• Insurance losses for a Subaru Impreza - Insurance companies use past loss statistics for each vehicle to help calculate premium prices. Vehicles that statistically have increased losses will cost more for specific coverages. The table below shows the historical insurance loss data for Subaru Impreza vehicles.
  
  For each coverage category, the statistical loss for all vehicles, without regard to make or model, is set at 100. Numbers under 100 represent a good loss history, while numbers above 100 show a trend for more claims or a tendency for claims to be larger.

  Insurance Loss Ratings for Subaru Impreza Vehicles

  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

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Take policy discounts and save on Subaru Impreza insurance in San Diego

Companies offering auto insurance don't always list all discounts in a way that's easy to find, so the list below contains both the well known and the more hidden ways to save on car insurance.

• Memberships - Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for car insurance.
• Distant Student Discount - College-age children who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
• Air Bags and Passive Restraints - Factory options such as air bags or motorized seat belts can qualify for discounts of 20% or more.
• Payment Method - By making one initial payment instead of paying each month you could save 5% or more.
• Seat Belts Save - Drivers who require all occupants to use their safety belts can save a little off the personal injury premium cost.
• Driver Education Discount - Make teen driver coverage more affordable by requiring them to participate in a local driver's education class if offered at their school.
• Telematics Data Discounts - Insureds who allow their company to monitor their driving habits remotely such as State Farm's In-Drive might see lower rates if they exhibit good driving behavior.

Keep in mind that some credits don't apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free car insurance policy, companies don't profit that way. But all discounts should definitely cut the amount you have to pay.

Car insurance companies that may offer policyholders some of the discounts shown above include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

Check with every insurance company which discounts you may be entitled to. All car insurance discounts may not apply to policies everywhere.

When should I get advice from a local insurance agent?

A small number of people still prefer to get advice from a local agent and that is OK! Good insurance agents can help you build your policy and give you someone to call. A nice benefit of price shopping on the web is the fact that you can find the lowest rates and still buy from a local agent.

By using this form (opens in new window), your information is immediately sent to local insurance agents in San Diego that can provide free San Diego car insurance quotes for your insurance coverage. It's much easier because you don't need to leave your computer because prices are sent directly to your email. If you want to compare rates for a specific company, just navigate to their website and fill out their quote form.

Choosing an provider is decision based upon more than just the premium amount. Before buying a policy in San Diego, get answers to these questions.

• Does the agency have a current Errors and Omissions policy?
• Are they giving you every discount you deserve?
• What company do they have the most business with?
• Are they primarily personal or commercial lines agents in San Diego?
• Do they offer accident forgiveness?
• Will you get a loaner vehicle if you car is being repaired?
• Does the agent recommend any additional coverage?

After you get good responses to any questions you have and a good coverage price, you may have found an insurance company that is reliable enough to insure your vehicles.

Will you really save $426 on car insurance?

California drivers can't escape the ads that promise big savings for switching by companies like GEICO, State Farm and Progressive. They all seem to make the point that drivers can save some big amount if you switch your policy.

But how can every company claim to save you money? This is the trick they use.

Different companies give the best rates for the type of driver that earns them the most money. For instance, a profitable customer might be over the age of 40, owns a home, and has a short commute. Anyone that fits those parameters will get a cheap rate quote in San Diego and most likely will save a lot on San Diego Subaru Impreza insurance if they switch.

Potential insureds who cannot meet the ideal profile may be required to pay more expensive rates which translates to the driver buying from a lower-cost company. The ads say "customers who switch" not "everyone who quotes" can save as much as they claim. This is how insurance companies can confidently make those statements. This really emphasizes why it is so important to do a price quote comparison at every renewal. It's just too difficult to predict with any certainty which company will give you lower auto insurance rates than your current company.

Compare car insurance rates regularly to save

When shopping online for car insurance, it's very important that you do not skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your objective should be to buy enough coverage for the lowest price, but do not skimp to save money.

Low-cost Subaru Impreza insurance in San Diego is attainable online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not offer rates over the internet and most of the time these smaller providers provide coverage only through independent insurance agencies.

To learn more, link through to the articles below:

• Vehicle Size and Weight FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance Quotes for Drivers Requiring a SR22 in San Diego? (FAQ)
• What Auto Insurance is Cheapest for Drivers Over Age 70 in San Diego? (FAQ)
• Who Has Cheap San Diego Car Insurance Rates for Nurses? (FAQ)
• How Much are Car Insurance Quotes for Government Employees in San Diego? (FAQ)
• Choosing an Insurance Company (Insurance Information Institute)
• Understanding your Policy (NAIC.org)
• Coverage Information (Progressive Insurance)
• Senior Drivers (Insurance Information Institute)