Searching for the cheapest insurance for a Subaru Impreza in Texas can normally be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for a Subaru and obtain the lowest possible price from both online companies and Houston agents.
The quickest method to get policy rate comparisons is to know the trick auto insurance companies will pay a fee to compare their rates. All consumers are required to do is provide information like your occupation, if you lease or own, marital status, and how much school you completed. That rating information gets sent immediately to many of the top insurers and you will receive price estimates very quickly.
To compare rates now, click here and find out if lower rates are available.
Get cheap Houston auto insurance with discounts
Companies don’t always list all their discounts very well, so the list below contains a few of the more common as well as the least known credits available to you. If you don’t get every credit available, you are paying more than you should be.
- Savings for New Vehicles – Putting auto insurance coverage on a new car can save up to 30% because new vehicles are generally safer.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower rate if you buy life insurance.
- Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
- Driving Data Discount – Insureds that choose to allow data collection to scrutinize their driving habits remotely such as Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
- Senior Citizen Rates – If you qualify as a senior citizen, you can get reduced rates for Impreza coverage.
- Online Discount – A few larger online companies give back up to $50 simply for signing on your computer.
- Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
- Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn substantially lower rates.
Drivers should understand that most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
A list of auto insurance companies and their offered discounts are shown below.
- GEICO policyholders can earn discounts including air bags, federal employee, anti-lock brakes, military active duty, multi-vehicle, and multi-policy.
- USAA offers premium reductions for vehicle storage, safe driver, good student, military installation, and multi-policy.
- Progressive includes discounts for homeowner, multi-vehicle, online quote discount, continuous coverage, and multi-policy.
- American Family has discounts for good driver, good student, mySafetyValet, early bird, defensive driver, TimeAway discount, and multi-vehicle.
- Esurance offers discounts for multi-car, anti-lock brakes, good driver, online quote, defensive driver, and DriveSense.
- Farmers Insurance discounts include mature driver, distant student, multi-car, switch companies, and electronic funds transfer.
- State Farm may include discounts for defensive driving training, passive restraint, accident-free, driver’s education, and multiple autos.
Double check with every company the best way to save money. Some of the discounts discussed earlier might not be offered in Houston. To see a list of companies with discount rates in Texas, follow this link.
Tailor your auto insurance coverage to you
When choosing the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.
For example, these questions may help you determine if you could use an agent’s help.
- Do I benefit by insuring my home with the same company?
- Should I have combined single limit or split liability limits?
- Is my teen driver covered when they drive my company car?
- Are my friends covered when driving my Subaru Impreza?
- What discounts do I qualify for?
- What happens if I owe more than my Subaru Impreza is worth?
- Exactly who is provided coverage by my policy?
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.
Informed Drivers Save Every Year
It’s important that you understand some of the factors that go into determining your premiums. If you know what impacts premium levels, this empowers consumers to make smart changes that can earn you big savings.
Shown below are some of the items auto insurance companies consider when setting your rate level.
- Buy a safe car and pay less – Vehicles that have high safety ratings tend to have better insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company and lower rates for you. If the Subaru Impreza earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
- Don’t cut corners with liability coverage – Your auto insurance policy’s liability coverage provides coverage in the event that a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court which can cost a lot. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
- Policy add-ons add up – There are a ton of add-on coverages that can add up if you aren’t careful. Things like roadside assistance, better glass coverage, and Farm Bureau memberships are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
- Higher prices for demanding employers – Do you work in a high-stress field? Careers like real estate brokerspolice officers and stock brokers have higher rates than average because of high stress levels and lots of time spent at work. On the other hand, jobs such as actors, students and performers generally pay rates lower than average for Impreza coverage.
- High credit saves on auto insurance – Credit score is a large factor in determining what you pay. People with very high credit ratings tend to be more responsible than drivers who have worse credit. If your credit history leaves room for improvement, you may save money insuring your Subaru Impreza by taking the time to improve your credit score.
- Type of car determines base costs – The performance level of the car or truck you need insurance for makes a significant difference in determining your rates. Since the Subaru Impreza falls in the sport coupe class, insurance will be much more as compared to the average rate in Houston. Economy passenger cars receive the most favorable rates, but other factors influence the final cost greatly.
- Never let your auto insurance policy lapse – Not having insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. In addition to paying higher premiums, getting caught without coverage could result in a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.
One last thing to lower rates
We just showed you many tips how you can save on Subaru Impreza insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with the least-expected company.
More affordable auto insurance is available online as well as from independent agents in Houston, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not provide online price quotes and many times these smaller companies work with independent agents.
As you , make sure you don’t reduce coverage to reduce premium. There have been many cases where an insured dropped physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.
More tips and info about auto insurance is available at the Texas Department of Insurance website. Texas consumers can read consumer alerts, view a list of available companies, learn about insurance regulations, and find disaster information.
The articles below may also help you learn more about auto insurance in Houston