Save Money on Subaru Impreza Insurance in Plano

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Insurance quote for Subaru Impreza in PlanoIf you want to save the most money, the best way to find the cheapest price for Subaru Impreza insurance is to compare prices at least once a year from insurers who provide auto insurance in Plano.

First, it will benefit you to learn about how companies price auto insurance and the measures you can control to keep rates in check. Many rating criteria that are responsible for high rates like speeding tickets, careless driving and an imperfect credit rating can be eliminated by making minor changes to your lifestyle.

Second, request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can give you price quotes from multiple companies. View rates

Third, compare the new rate quotes to your existing coverage to see if a cheaper price is available in Plano. If you can save some money and switch companies, make sure coverage is continuous and does not lapse.

An important bit of advice to remember is to make sure you enter the same level of coverage on each quote and and to get price estimates from as many different companies as possible. This helps ensure an accurate price comparison and a good representation of prices.

Amazingly, most drivers kept their coverage with the same auto insurance company for more than four years, and 38% of customers have never compared rate quotes at all. With the average auto insurance premium being $2,680, Texas drivers can save almost 70% each year, but most tend to underestimate the amount of savings they would get if they switched to a cheaper policy.

Subaru Impreza insurance rate analysis

The information displayed below outlines detailed analysis of insurance costs for Subaru Impreza models. Having a good understanding how rate quotes are determined can help drivers make smart choices when purchasing an insurance policy.

Subaru Impreza Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $240 $328 $382 $22 $114 $1,086 $91
Impreza 2.5I 4WD Station Wagon $240 $328 $382 $22 $114 $1,086 $91
Impreza Outback Sport 4WD Station Wagon $240 $400 $382 $22 $114 $1,158 $97
Impreza 2.5I AWD 4-Dr $270 $400 $382 $22 $114 $1,188 $99
Impreza 2.5I Premium Package AWD 4-Dr $270 $472 $382 $22 $114 $1,260 $105
Impreza WRX 4WD Station Wagon $270 $472 $382 $22 $114 $1,260 $105
Impreza 2.5 GT 4WD Station Wagon $300 $472 $382 $22 $114 $1,290 $108
Impreza WRX AWD 4-Dr $300 $542 $382 $22 $114 $1,360 $113
Impreza 2.5I GT AWD 4-Dr $300 $542 $382 $22 $114 $1,360 $113
Impreza WRX STI 4WD Station Wagon $300 $542 $382 $22 $114 $1,360 $113
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in vehicle garaging location which can affect price quotes substantially.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The comparison tables below summarize the difference in cost when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Subaru Impreza insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $328 $486 $382 $22 $114 $1,357 $113
Impreza 2.5I 4WD Station Wagon $328 $486 $382 $22 $114 $1,357 $113
Impreza Outback Sport 4WD Station Wagon $328 $592 $382 $22 $114 $1,463 $122
Impreza 2.5I AWD 4-Dr $370 $592 $382 $22 $114 $1,505 $125
Impreza 2.5I Premium Package AWD 4-Dr $370 $698 $382 $22 $114 $1,611 $134
Impreza WRX 4WD Station Wagon $370 $698 $382 $22 $114 $1,611 $134
Impreza 2.5 GT 4WD Station Wagon $412 $698 $382 $22 $114 $1,653 $138
Impreza WRX AWD 4-Dr $412 $804 $382 $22 $114 $1,759 $147
Impreza 2.5I GT AWD 4-Dr $412 $804 $382 $22 $114 $1,759 $147
Impreza WRX STI 4WD Station Wagon $412 $804 $382 $22 $114 $1,759 $147
Get Your Own Custom Quote Go
Subaru Impreza insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $240 $328 $382 $22 $114 $1,086 $91
Impreza 2.5I 4WD Station Wagon $240 $328 $382 $22 $114 $1,086 $91
Impreza Outback Sport 4WD Station Wagon $240 $400 $382 $22 $114 $1,158 $97
Impreza 2.5I AWD 4-Dr $270 $400 $382 $22 $114 $1,188 $99
Impreza 2.5I Premium Package AWD 4-Dr $270 $472 $382 $22 $114 $1,260 $105
Impreza WRX 4WD Station Wagon $270 $472 $382 $22 $114 $1,260 $105
Impreza 2.5 GT 4WD Station Wagon $300 $472 $382 $22 $114 $1,290 $108
Impreza WRX AWD 4-Dr $300 $542 $382 $22 $114 $1,360 $113
Impreza 2.5I GT AWD 4-Dr $300 $542 $382 $22 $114 $1,360 $113
Impreza WRX STI 4WD Station Wagon $300 $542 $382 $22 $114 $1,360 $113
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate information does not factor in specific garaging location which can modify prices substantially.

We can estimate from the data above that using a $100 deductible would cost the average driver about $28 more each month or $336 each year averaged for all Impreza models than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 14 months between claim filings, you would save more money by going with a higher deductible. The illustration below shows an example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $132
Average monthly premium for $500 deductibles (subtract): - $104
Monthly savings from raising deductible: $28
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

An important thing to remember is that raising deductibles to save money results in more money out-of-pocket when you have a claim. You must have enough extra money in the event you need to pay the deductible for vehicle repair.

The chart below demonstrates how deductible levels and can increase or decrease Subaru Impreza premium costs for different age categories. The premiums are based on a married female driver, comp and collision included, and no additional discounts are factored in.

Insurance rate increases from tickets or accidents

The information below illustrates how speeding tickets and at-fault accidents can affect Subaru Impreza car insurance costs for each different age category. The rate quotes are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Auto insurance rates based on gender

The diagram below compares Subaru Impreza insurance costs for male and female drivers. The data is based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no other discounts are factored in.

Cheap Subaru Impreza insurance in Plano

Some providers don't list all available discounts in a way that's easy to find, so the next list breaks down some of the more common and also the more inconspicuous credits that may apply to you.Save money with discounts

  • Paperwork-free - Certain insurance companies provide a small discount just for signing your application on your computer.
  • Plano Homeowners Pay Less - Just being a homeowner can help you save on auto insurance because it requires personal responsibility.
  • Anti-lock Brake System - Cars with anti-lock braking systems are safer to drive so you can save 10 percent or more.
  • Pay Early and Save - By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
  • Switch and Save Discount - A few auto insurance companies allow discounts for renewing your policy prior to your current Impreza insurance policy expiration. This discount can save up to 10%.
  • Military Discounts - Being on active deployment in the military could trigger a small discount.

While discounts sound great, it's important to understand that some credits don't apply to the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way.

The example below shows the difference between Subaru Impreza insurance premiums with and without discounts applied to the policy rates. The price estimates are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, multi-policy, safe-driver, and claim-free discounts applied.

A few popular companies and some of the discounts are shown below.

  • GEICO offers discounts including multi-policy, military active duty, federal employee, membership and employees, anti-theft, and multi-vehicle.
  • MetLife has savings for multi-policy, good student, accident-free, good driver, claim-free, and defensive driver.
  • State Farm discounts include safe vehicle, multiple autos, passive restraint, student away at school, multiple policy, and Steer Clear safe driver discount.
  • Progressive includes discounts for online quote discount, good student, multi-policy, online signing, and multi-vehicle.
  • Mercury Insurance policyholders can earn discounts including accident-free, ease of repair, location of vehicle, type of vehicle, multi-policy, multi-car, and annual mileage.
  • 21st Century offers discounts for early bird, driver training, 55 and older, homeowners, and teen driver.
  • Allstate may include discounts for EZ pay plan discount, economy car, multi-policy, good student, anti-lock brakes, and safe driver.

When quoting, ask all the companies which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in Plano.

Auto insurance coverage information

Understanding the coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from auto insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like ambulance fees, funeral costs, doctor visits and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability

This coverage protects you from damages or injuries you inflict on other's property or people. This insurance protects YOU against other people's claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 30/60/25 which means $30,000 bodily injury coverage, $60,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims such as legal defense fees, structural damage, attorney fees and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible. Texas state law requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.

The illustration below shows why buying the state minimum limits may not provide adequate coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. This coverage pays for injuries to you and your family and damage to your Subaru Impreza.

Because many people have only the minimum liability required by law (30/60/25 in Texas), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, theft, a tree branch falling on your vehicle and falling objects. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

Collision coverage covers damage to your Impreza resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It's also possible to choose a higher deductible on your Impreza to bring the cost down.

A conclusion for your auto insurance search

Affordable Subaru Impreza insurance in Plano is available both online and also from your neighborhood Plano agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get quotes online and usually these small, regional companies sell through independent agents.

When you buy Plano auto insurance online, make sure you don't reduce coverage to reduce premium. There are many occasions where drivers have reduced liability coverage limits and found out when filing a claim that it was a big error on their part. Your strategy should be to buy enough coverage at the best possible price, but do not skimp to save money.

We just showed you a lot of techniques to reduce Subaru Impreza insurance premium rates online in Plano. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. You may even be surprised to find that the lowest premium rates are with a small local company. These smaller insurers may often insure only within specific states and give better rates compared to the large companies like Progressive or GEICO.

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