Find Affordable Subaru Impreza Insurance in El Paso

Saving money on Subaru Impreza insurance in El Paso could be hard for drivers who have little experience comparison shopping online. There are so many different companies and agents to choose from that it can easily become a chore to find the best price in Texas on Subaru Impreza insurance.

We don’t have to point out that fact that insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop around at least once a year will most likely switch to a new company because there are good odds of finding discount prices. A survey found that consumers who compared prices regularly saved as much as $865 annually compared to other drivers who didn’t regularly shop around.

If finding the cheapest rates on car insurance in El Paso is the reason you’re here, then having an understanding of the best way to shop and compare insurance premiums can make it easier to find better rates.

Just keep in mind that more quotes will improve the odds of getting the best offered rates.

The companies in the list below have been selected to offer quotes in Texas. If multiple companies are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

Subaru Impreza insurance statistics and information

The data table shown below highlights a range of insurance costs for Subaru Impreza models. Knowing how insurance rates are calculated can be useful when making smart choices when buying a policy.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in vehicle location which can modify premium rates noticeably.

Policy deductible comparison

One of the hardest decisions when shopping for insurance is how low should you set your deductibles. The following insurance rates may help you to understand the rate fluctuation when you buy lower versus higher deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Information does not factor in specific location which can revise coverage rates considerably.

Based on the data above, we can derive that using a $250 deductible will cost you about $30 more each month or $360 every year averaged for all Impreza models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 25 months between claims, you would save more money by going with a higher deductible.

Insurance rates are higher with tickets and accidents

The example below highlights how speeding tickets and at-fault accidents influence Subaru Impreza insurance rates for different insured age categories. The price estimates are based on a married male driver, full coverage, $100 deductibles, and no other discounts are factored in.

Insurance does more than just repair your car

Even though it’s not necessarily cheap to insure a Subaru in El Paso, maintaining insurance serves a purpose in several ways.

First, most states have minimum liability requirements which means you are required to carry a specific level of liability insurance coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your car, more than likely the lender will stipulate that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the lender may insure your Subaru at a much higher rate and force you to pay much more than you were paying before.

Third, insurance preserves not only your Subaru but also your financial assets. Insurance will pay for most medical and hospital costs that are the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the repair costs.

The benefits of insuring your Impreza definitely exceed the cost, especially for larger claims. As of last year, the average driver in Texas overpays as much as $865 each year so you should quote rates once a year at a minimum to make sure the price is not too high.

Car insurance coverage specifics

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Liability auto insurance

This will cover injuries or damage you cause to people or other property. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 30/60/25 which stand for $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims like emergency aid, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing higher limits.

The chart below shows why the minimum limit may not be enough coverage.

Collision protection

This pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, crashing into a building, hitting a mailbox, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible on your Impreza to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Texas drivers have only the minimum liability required by law (30/60/25 in Texas), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills for rehabilitation expenses, doctor visits, funeral costs, EMT expenses and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hitting a bird and vandalism. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Persistence pays off

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice full coverage only to regret at claim time that the savings was not a smart move. The goal is to find the BEST coverage for the lowest price while still protecting your assets.

We just showed you a lot of techniques to lower your Subaru Impreza insurance car insurance rates in El Paso. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best car insurance rates are with a small local company.

People change insurance companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, not issuing a premium refund and extreme rates for teen drivers. Whatever your reason, finding a new company is less work than it seems.

How to find the cheapest rates for Subaru Impreza insurance in El Paso

The easiest way to find better pricing on Subaru Impreza insurance is to start comparing rates regularly from providers in El Paso. Rate comparisons can be done by following these guidelines.

Step 1: Get a basic knowledge of car insurance and the factors you can control to keep rates down. Many risk factors that increase rates like at-fault accidents, speeding tickets, and a negative credit score can be eliminated by making small lifestyle or driving habit changes.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agencies can quote prices from multiple sources.

Step 3: Compare the new rates to your current policy premium and determine if cheaper Impreza coverage is available in El Paso. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Provide notification to your current agent or company to cancel your current car insurance policy and submit any necessary down payment along with the completed application for the new policy. Once received, place the new proof of insurance certificate in an easily accessible location in your vehicle.

A good piece of advice is to make sure you enter the same deductibles and limits on each price quote and and to look at as many companies as feasibly possible. Doing this ensures a fair rate comparison and a complete selection of prices.

Additional information is available at these links:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Credit and Insurance Scores (Insurance Information Institute)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• Insuring a Leased Car (Insurance Information Institute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)