Remarkably, a study showed that the vast majority of insurance customers have purchased from the same company for well over three years, and 38% of drivers have never taken the time to shop around. Pennsylvania consumers could save themselves as much as $690 a year just by shopping around, but they mistakenly think it’s difficult to compare rates and save money.
If saving the most money is your goal, then the best way to find discount Subaru Impreza insurance is to regularly compare quotes from providers that sell auto insurance in Pittsburgh. Prices can be compared by following these guidelines.
First, read about how companies set rates and the modifications you can make to lower rates. Many things that result in higher prices like speeding tickets, careless driving and a low credit score can be rectified by making small lifestyle or driving habit changes. Keep reading for information to keep prices down and find discounts that may have been missed.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can provide rate quotes from multiple sources. Compare rates now
Third, compare the price quotes to your existing coverage and see if you can save money. If you find better rates and buy the policy, make sure coverage does not lapse between policies.
A valuable tip to remember is to try to use the same physical damage deductibles and liability limits on every quote request and and to analyze as many companies as possible. Doing this guarantees the most accurate price comparison and many rates to choose from.
Many insurance companies such as State Farm, GEICO and Progressive provide prices directly from their websites. The process can be done by anyone because it’s just a matter of typing in your required coverages on the page. After the form is submitted, the company’s rating system will obtain reports for credit and driving violations and quotes a price based on the data you entered. The ability to get online price quotes for Subaru Impreza insurance in Pittsburgh makes it a lot easier to compare rates and it’s also necessary to compare as many rates as possible if you want to find cheaper prices.
To save time and compare rates using this form now, consider comparing rates from the companies shown below. If you have coverage now, it’s recommended you duplicate the insurance coverages as shown on your current policy. This way, you will have an apples-to-apples comparison for similar coverage.
The car insurance companies shown below are our best choices to provide comparison quotes in Pittsburgh, PA. If you want to find cheaper car insurance in PA, it’s a good idea that you visit several of them to find the lowest car insurance rates.
Choosing the best vehicle insurance in Pennsylvania is an important decision
Even though Pittsburgh Impreza insurance rates can get expensive, buying car insurance is required in Pennsylvania but also provides important benefits.
First, most states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance in order to drive the car legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your vehicle with a loan, almost every bank will have a requirement that you have physical damage coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Subaru at a much higher rate and force you to pay for the expensive policy.
Third, insurance protects not only your vehicle but also your assets. It will also provide coverage for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance definitely exceed the price paid, especially with large liability claims. According to a 2015 survey, the average American driver overpays as much as $700 annually so it’s important to compare rates at every renewal to make sure the price is not too high.
Subaru Impreza insurance statistics and information
The price information shown next covers different coverage prices for Subaru Impreza models. Understanding how prices are calculated can help drivers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $232 | $324 | $340 | $20 | $102 | $1,018 | $85 |
| Impreza 2.5I 4WD Station Wagon | $232 | $324 | $340 | $20 | $102 | $1,018 | $85 |
| Impreza Outback Sport 4WD Station Wagon | $232 | $394 | $340 | $20 | $102 | $1,088 | $91 |
| Impreza 2.5I AWD 4-Dr | $262 | $394 | $340 | $20 | $102 | $1,118 | $93 |
| Impreza 2.5I Premium Package AWD 4-Dr | $262 | $464 | $340 | $20 | $102 | $1,188 | $99 |
| Impreza WRX 4WD Station Wagon | $262 | $464 | $340 | $20 | $102 | $1,188 | $99 |
| Impreza 2.5 GT 4WD Station Wagon | $292 | $464 | $340 | $20 | $102 | $1,218 | $102 |
| Impreza WRX AWD 4-Dr | $292 | $534 | $340 | $20 | $102 | $1,288 | $107 |
| Impreza 2.5I GT AWD 4-Dr | $292 | $534 | $340 | $20 | $102 | $1,288 | $107 |
| Impreza WRX STI 4WD Station Wagon | $292 | $534 | $340 | $20 | $102 | $1,288 | $107 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific garaging location which can modify price quotes significantly.
An analysis of deductible level
The hardest decision when buying coverage is at what level do you set your deductibles. The premium rates below illustrate the costs and benefits between low and high coverage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $284 | $420 | $330 | $20 | $98 | $1,177 | $98 |
| Impreza 2.5I 4WD Station Wagon | $284 | $420 | $330 | $20 | $98 | $1,177 | $98 |
| Impreza Outback Sport 4WD Station Wagon | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Impreza 2.5I AWD 4-Dr | $320 | $512 | $330 | $20 | $98 | $1,305 | $109 |
| Impreza 2.5I Premium Package AWD 4-Dr | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Impreza WRX 4WD Station Wagon | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Impreza 2.5 GT 4WD Station Wagon | $356 | $602 | $330 | $20 | $98 | $1,431 | $119 |
| Impreza WRX AWD 4-Dr | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Impreza 2.5I GT AWD 4-Dr | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Impreza WRX STI 4WD Station Wagon | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $158 | $222 | $330 | $20 | $98 | $828 | $69 |
| Impreza 2.5I 4WD Station Wagon | $158 | $222 | $330 | $20 | $98 | $828 | $69 |
| Impreza Outback Sport 4WD Station Wagon | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Impreza 2.5I AWD 4-Dr | $178 | $270 | $330 | $20 | $98 | $896 | $75 |
| Impreza 2.5I Premium Package AWD 4-Dr | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Impreza WRX 4WD Station Wagon | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Impreza 2.5 GT 4WD Station Wagon | $198 | $318 | $330 | $20 | $98 | $964 | $80 |
| Impreza WRX AWD 4-Dr | $198 | $366 | $330 | $20 | $98 | $1,012 | $84 |
| Impreza 2.5I GT AWD 4-Dr | $198 | $366 | $330 | $20 | $98 | $1,012 | $84 |
| Impreza WRX STI 4WD Station Wagon | $198 | $366 | $330 | $20 | $98 | $1,012 | $84 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in Pittsburgh location which can change insurance rates greatly.
Based on the figures above, using a $100 deductible could cost the average driver approximately $36 more each month or $432 a year across all Subaru Impreza models than opting for the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 25 months between claim filings, you would come out ahead going with the higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $114 |
| Average monthly premium for $1,000 deductibles (subtract): | – $78 |
| Monthly savings from raising deductible: | $36 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $36 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
One important caveat is that raising deductibles means you will have to pay more of your own money when you have to file a claim. You need some non-essential savings in the event you need to pay more to get your vehicle repaired.
Get cheaper Subaru Impreza insurance in Pittsburgh with discounts
Companies that sell car insurance do not advertise the complete list of policy discounts very clearly, so the list below gives a summary of some of the best known in addition to some of the lesser obvious auto insurance savings.
- Senior Citizens – Drivers that qualify as senior citizens can get a small discount on rates.
- Bundle and Save – If you can bundle your auto and homeowners insurance and place coverage with the same company you will save over 10 percent off each policy depending on the company.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more on Impreza insurance in Pittsburgh.
- Safe Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates than their less cautious counterparts.
- Discount for New Cars – Buying a new car instead of a used Impreza can get you a discount since new model year vehicles have better safety ratings.
- Federal Government Employee – Federal government employees can save as much as 8% with certain companies.
- Accident Forgiveness Coverage – Not necessarily a discount, but certain companies may permit one accident before they charge you more for coverage if your claims history is clear for a specific time period.
- Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings as much as 30%.
You should keep in mind that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, nobody gets a free ride. Any amount of discount will help reduce the amount you have to pay.
The illustration below shows the difference between Subaru Impreza yearly insurance costs with and without discounts applied to the premium. The data is based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, homeowner, and safe-driver discounts applied.
Auto insurance companies that may offer quotes with these discounts may include but are not limited to:
Before you buy a policy, ask all the companies how many discounts you can get. All car insurance discounts may not apply in Pittsburgh.
Everyone needs different insurance coverages
When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
These are some specific questions could help you determine whether your personal situation could use an agent’s help.
- Do I need an umbrella policy?
- Why do I have to buy liability insurance?
- Should I file a claim if it’s only slightly more than my deductible?
- Are my company tools covered if they get stolen?
- Does my policy cover me when driving someone else’s vehicle?
- Do I need replacement cost coverage?
- If my Subaru Impreza is totaled, can I afford another vehicle?
- Am I covered if I break a side mirror?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.