Cheap Subaru Impreza Insurance in Scottsdale

I can’t think of a single person who looks forward to paying for car insurance, especially knowing they could get a better deal.

Unbelievably, the vast majority of car insurance customers renewed their policy with the same company for at least four years, and almost 40% of drivers have never quoted car insurance rates at all. Consumers in Arizona could cut their rates by nearly 50% a year just by shopping around, but they don’t believe the amount of savings they would get if they switched to a cheaper policy.

How to find cheaper Subaru Impreza insurance in Scottsdale

If saving money is your primary concern, then the best way to save money on Subaru Impreza insurance is to regularly compare price quotes from companies in Scottsdale. Prices can be compared by following these guidelines.

Step 1: Read about auto insurance and the things you can change to drop your rates. Many rating criteria that cause high rates like tickets, at-fault accidents, and a not-so-good credit score can be controlled by improving your driving habits or financial responsibility. Read the full article for ideas to help prevent expensive coverage and find discounts that you may qualify for.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like GEICO or State Farm, while independent agencies can provide price quotes for many different companies. View rates

Step 3: Compare the quotes to your existing rates to see if cheaper Impreza coverage is available. If you can save some money, verify that coverage does not lapse between policies.

One key aspect when comparing rates is to compare similar deductibles and liability limits on each price quote and and to look at as many companies as you can. This ensures the most accurate price comparison and a complete rate analysis.

Consumers have many auto insurance companies to insure vehicles with, and although it’s nice to be able to choose, more choices can make it harder to find a good deal for Subaru Impreza insurance in Scottsdale.

Locating the best rates in Scottsdale is actually very simple if you learn how to start. If you already have coverage or just want cheaper rates, you can use these tips to reduce the price you pay without having to cut coverage. Drivers only have to learn the fastest way to compare insurance rates on the web.

Affordable companies for Subaru Impreza insurance in Arizona

The companies shown below provide free rate quotes in Scottsdale, AZ. If you wish to find the cheapest car insurance in Arizona, we recommend you visit two to three different companies to get the best price comparison.

Subaru Impreza detailed coverage information

The table below covers a range of coverage costs for Subaru Impreza models. Being more informed about how car insurance prices are determined can be of help when making smart choices when selecting a coverage provider.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Table data does not factor in garaging location in Scottsdale which can increase or decrease coverage rates considerably.

The chart below illustrates how choosing a deductible and can increase or decrease Subaru Impreza insurance costs for each different age group. The data is based on a married male driver, comp and collision included, and no other discounts are factored in.

Violations and accidents raise rates

The information below demonstrates how speeding tickets and at-fault fender-benders increase Subaru Impreza insurance costs for different age groups. The data assumes a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

Liability only or full coverage

The illustration below illustrates the comparison of Subaru Impreza insurance rates with full physical damage coverage and with liability coverage only. The data is based on no claims or violations, $1,000 deductibles, single marital status, and no additional discounts are factored in.

When to stop buying physical damage coverage

There isn’t a written rule of when to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Subaru Impreza replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after the policy deductible has been paid. If premiums are more than $600 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some circumstances where removing full coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Why Smart Consumers Pay Less for Subaru Impreza Insurance

When buying insurance it’s important to understand the different types of things that aid in calculating your insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find much lower annual insurance costs.

The items below are some of the factors used by your company to calculate your premiums.

Your vocation and insurance rates – Careers such as fire fighters, police officers, and accountants are shown to have higher rates than the rest of us attributed to intense work requirements and long work hours. On the other hand, occupations such as farmers, athletes and the unemployed have the lowest average rates.

Allowing your insurance policy to lapse raises premiums – Driving without insurance coverage in place can get your license suspended and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will rates go up, the inability to provide proof of insurance may result in a steep fine or even jail time.

Marriage equates to better prices – Having a spouse may save some money when buying insurance. Having a significant other translates into being more responsible and it’s proven that being married results in fewer claims.

Know your vehicle’s crash test rating – Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles reduce occupant injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.

Alarms and GPS tracking lowers premiums – Buying a car with advanced anti-theft systems can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent vehicle theft.

Premiums also based on gender – Over time, data shows women are more cautious behind the wheel. It does not mean men are worse drivers. Women and men tend to get into accidents at about the same rate, but the male of the species tend to have higher claims. In addition to higher claims, males also get more serious tickets like DUI and reckless driving.

The chart below visualizes the comparison of Subaru Impreza car insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comprehensive and collision coverage, $100 deductibles, single status, and no policy discounts are applied.

Extra coverages can cost a lot – Insurance policies have a lot of extra bells and whistles that may not really be needed if you aren’t diligent. Coverages for replacement cost coverage, better glass coverage, and Farm Bureau memberships are examples of these. You may think they are a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.

Liability insurance risk factors – A critical coverage on your policy, liability insurance will provide protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.

Insurance loss data for Subaru Impreza vehicles – Auto insurance companies use past loss statistics for each vehicle to calculate a price that will offset losses. Vehicles that have a higher amount or frequency of claims will have higher rates. The next table shows the compiled insurance loss statistics for Subaru Impreza vehicles.

For each policy coverage, the statistical loss for all vehicles combined as an average is a value of 100. Percentage values below 100 mean the vehicle has better than average losses, while values that are above 100 indicate frequent claims or an increased chance of larger losses than average.

Discounts mean cheaper rates for Subaru Impreza insurance in Scottsdale

Some insurers don’t necessarily list all discounts very well, so below is a list some of the more common and also the more inconspicuous credits available to bring down your rates. If you’re not getting every credit available, you could be paying more than you need to.

• Theft Deterrent System – Vehicles that have factory anti-theft systems can help prevent theft and will qualify for a discount on a Scottsdale car insurance quote.
• ABS Braking Discount – Cars and trucks equipped with ABS or steering control are safer to drive and will save you 10% or more on Impreza insurance in Scottsdale.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
• Payment Method – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
• First Accident Forgiveness – Not necessarily a discount, but companies like State Farm and Allstate may permit one accident without getting socked with a rate hike if you have no claims for a set time period.

You can save money using discounts, but many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, that’s just not realistic.

The diagram below visualizes the comparison of Subaru Impreza premium costs with and without policy discounts. The data is based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, claim-free, homeowner, and marriage discounts applied.

To view companies that can offer you the previously mentioned discounts in Scottsdale, follow this link.

What if I want to buy from local Scottsdale insurance agents?

Some people would prefer to get professional advice from a licensed agent and that can be a smart move Most agents can help determine the best coverages and help submit paperwork. The best thing about comparing rates online is that you can obtain cheaper auto insurance rates and still have a local agent.

After completing this form (opens in new window), your coverage information is emailed to participating agents in Scottsdale that provide free Scottsdale car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house because quoted prices will be sent to your email. If you have a need to get a price quote from a specific company, you just need to jump over to their website and fill out the quote form the provide.

Picking an insurer should depend on more than just a low price. Any agent in Scottsdale should have no problem answering these questions:

• What insurance company do they write the most business with?
• Are they able to influence company decisions when a claim is filed?
• Do they specialize in personal lines auto insurance in Scottsdale?
• Can you contact them at any time?
• Are there any extra charges for paying monthly?
• How long have they been in business?
• How much experience to they have in personal lines coverages?
• Do you work with a CSR or direct with the agent?

What type of Scottsdale auto insurance agent is right for you?

When researching a reliable agent, you must know there are a couple types of insurance agents to choose from. Car insurance agents in Scottsdale can either be independent or exclusive depending on the company they work for. Both can sell and service car insurance coverage, but it’s important to know the differences since it could factor into your agent selection.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only provide pricing for a single company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive agents are usually quite knowledgeable on the products they sell which helps overcome the inability to quote other rates.

Shown below is a short list of exclusive agents in Scottsdale that are able to give price quotes.

View more Scottsdale agents

Independent Agencies or Brokers

Agents in the independent channel do not have single company limitations and that allows them to write policies with many different companies and get the cheapest rates. If your premiums go up, they simply switch companies in-house and you won’t have to switch agencies.

If you need lower rates, we recommend you get some free quotes from several independent agencies in order to have the best price comparison.

Shown below are independent insurance agencies in Scottsdale that are able to give price quote information.

View more Scottsdale agents

Persistence will pay off

Lower-priced insurance in Scottsdale can be found both online and also from your neighborhood Scottsdale agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide rate quotes online and many times these smaller providers only sell coverage through independent agents.

We covered quite a bit of information on how to reduce Subaru Impreza insurance rates online in Scottsdale. The key concept to understand is the more times you quote, the better your chances of lowering your car insurance rates. You may even be surprised to find that the best price on insurance is with a small local company. They may often insure only within specific states and give better rates as compared to the big name companies such as Allstate and Progressive.

How to find cheaper quotes for Subaru Impreza insurance in Scottsdale

If your goal is the lowest price, then the best way to get the cheapest auto insurance rates in Scottsdale is to regularly compare prices from insurers who provide car insurance in Arizona. You can compare rates by completing these steps.

1. Gain an understanding of the different coverages in a policy and the measures you can take to prevent rate increases. Many rating criteria that cause high rates such as speeding tickets, careless driving and a not-so-good credit rating can be eliminated by making minor changes in your lifestyle.
2. Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while independent agencies can quote rates from many different companies.
3. Compare the quotes to the premium of your current policy and determine if there is any savings. If you can save some money and make a switch, ensure coverage does not lapse between policies.
4. Notify your agent or company of your decision to cancel your current car insurance policy. Submit a down payment along with a completed application for the new policy. Don’t forget to keep the new certificate of insurance in your glove compartment.

The critical component of shopping around is that you’ll want to make sure you compare identical limits and deductibles on each quote and and to compare as many car insurance companies as possible. Doing this ensures a fair rate comparison and a complete rate analysis.

To read more, feel free to visit these articles:

• How to shop for a safer car (Insurance Institute for Highway Safety)
• Who Has Cheap Auto Insurance for Drivers with a DUI in Scottsdale? (FAQ)
• Who Has Cheap Auto Insurance Rates for a Toyota Tundra in Scottsdale? (FAQ)
• How Much are Scottsdale Car Insurance Rates for a Kia Optima? (FAQ)
• Who Has the Cheapest Car Insurance for Ride Shares in Scottsdale? (FAQ)
• What Auto Insurance is Cheapest for High Risk Drivers in Scottsdale? (FAQ)
• How Much is Auto Insurance for a Jeep Grand Cherokee in Scottsdale? (FAQ)
• A Tree Fell on Your Car: Now What? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Rental Car Insurance Tips (Insurance Information Institute)
• Booster Seat Ratings (iihs.org)