Best Insurance for a Subaru Impreza in Los Angeles

No sane person rejoices having to buy auto insurance, especially when the price is too high.

It’s safe to conclude that auto insurance companies don’t want policyholders to shop around. Drivers who shop for lower prices are very likely to switch auto insurance companies because they have a good chance of finding a lower-cost company. Remarkably, a study showed that drivers who compared prices regularly saved on average $850 each year compared to those who never shopped around for better prices.

If finding the lowest price for insurance in Los Angeles is your ultimate objective, then learning about how to compare insurance rates can save time and money. Having so many choices of insurance companies that have cheaper insurance for a Subaru Impreza in Los Angeles, it’s nearly impossible to choose the most cost effective auto insurance company.

You should take the time to compare premium rates on a regular basis because prices tend to go up over time. Just because you found the best rates on Subaru Impreza insurance in Los Angeles six months ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to quote online to properly buy coverages and cut your premium.

Locating the most cost-effective insurance policy in Los Angeles is quite easy if you know the best way to do it. If you currently have a car insurance policy, you stand a good chance to be able to save money using the ideas presented in this article. Shoppers just need to use the proper methods to compare rate quotes from many companies at once.

Finding a better price on car insurance is not rocket science. The only thing you need to do is take a couple of minutes to get quotes online with multiple companies.

Doing price comparisons online is so simple that it replaces the need to make phone calls or go to all the different Los Angeles insurance agencies. The ability to quote Subaru Impreza insurance online has made agencies unnecessary unless you require the trained advice of a licensed agent. Although, it is possible comparison shop online and still use a local agent.

The providers in the list below offer comparison quotes in California. If several companies are displayed, we suggest you visit as many as you can to get the best price comparison.

Statistics and details

The coverage information shown next showcases estimates of insurance costs for Subaru Impreza models. Having knowledge of how auto insurance policy rates are determined is important for making decisions on which insurance to purchase.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can lower or raise price quotes greatly.

Analysis of deductible levels

One of the more difficult decisions when buying car insurance is at what level do you set your deductibles. The data tables below may help to illustrate the rate difference when you choose different policy deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in specific zip code location which can modify premium rates noticeably.

Based on the above data, using a $100 deductible costs about $33 more each month or $396 a year than opting for the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 12 months between claims, you would come out ahead if you choose a higher deductible.

One important issue to know is that a higher deductible means you will have to pay more when you do file a claim. That will force you to have some funds available in the event you have to pay the higher deductible in order to repair your vehicle.

The information below demonstrates how deductibles and can change Subaru Impreza premium costs for different age groups of insureds. The information is based on a married female driver, full coverage, and no discounts are taken into consideration.

Protect more than your Impreza

Despite the high cost, auto insurance serves a purpose in several ways.

• The majority of states have minimum liability requirements which means the state requires specific limits of liability if you want to drive legally. In California 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.
• If your vehicle has a lienholder, it’s guaranteed your bank will require that you have insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Subaru at a more expensive rate and make you pay much more than you were paying before.
• Auto insurance protects both your Subaru Impreza and your personal assets. Insurance will pay for medical transport and hospital expenses that are the result of an accident. Liability insurance also covers legal expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car more than offset the price you pay, especially with large liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $850 per year so compare rates at least once a year to be sure current rates are still competitive.

Take these five policy discounts and save on Subaru Impreza insurance in Los Angeles

Car insurance companies don’t always advertise every discount available very clearly, so the list below details a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates.

• Senior Discount – Drivers over the age of 55 may be able to get reduced rates.
• Seat Belts Save – Drivers who require all occupants to wear their seat belts can save a little off the PIP or medical payment premium.
• Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% depending on your company.
• Policy Bundle Discount – If you have multiple policies with one insurance company you will save over 10 percent off each policy depending on the company.
• Drive Less and Save – Low mileage vehicles can qualify you for substantially lower rates.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, you aren’t that lucky. Any qualifying discounts should help lower the cost of your policy.

The information below illustrates the difference between Subaru Impreza car insurance costs with and without discounts being applied to the rates. The rates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, claim-free, multi-policy, and homeowner discounts applied.

A few of the larger companies and some of the discounts can be found below.

• Esurance includes discounts for online shopper, renters, defensive driver, multi-policy, anti-lock brakes, anti-theft, and homeowner.
• The Hartford has discounts for anti-theft, good student, bundle, driver training, vehicle fuel type, and defensive driver.
• AAA policyholders can earn discounts including AAA membership discount, anti-theft, good student, education and occupation, and good driver.
• GEICO may include discounts for anti-theft, multi-policy, seat belt use, emergency military deployment, and five-year accident-free.
• State Farm discounts include defensive driving training, Drive Safe & Save, multiple policy, anti-theft, and multiple autos.

Before you buy a policy, ask every insurance company to apply every possible discount. A few discounts might not be available to policyholders in Los Angeles. To see providers that provide some of the discounts listed above in Los Angeles, click here.

Don’t assume everyone needs the same insurance coverage

When choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

• Is there a penalty for late payment?
• What is the minimum liability in California?
• When should I remove comp and collision on my Subaru Impreza?
• Am I covered by my spouse’s policy after a separation?
• Can my babysitter drive my car?
• What discounts do I qualify for?
• What does medical payments cover?
• Does liability extend to a camper or trailer?
• Are split liability limits better than a combined single limit?
• How can I find cheaper teen driver insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance quotes from local Los Angeles insurance agencies

Many people prefer to visit with an insurance agent and that can be a smart move Insurance agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing rates online is you can get the best rates but still work with a licensed agent.

To find an agent, once you fill out this short form, your insurance data is emailed to agents in your area who will give competitive quotes for your auto insurance coverage. You never need to find an agent due to the fact that quote results will go immediately to your email address. In the event you want to compare rates from a specific insurance company, you just need to search and find their rate quote page and submit a quote form there.

Choosing a insurance company requires more thought than just the price. Here are some questions you should ask.

• Will the agent or a CSR service your policy?
• Is there any savings for paying the full premium?
• Is insurance their full-time profession?
• Is there a Errors and Omissions policy in force?
• Which insurance company do they prefer to write with?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Can you get a list of referrals?
• Which family members are covered?

If you are wanting to find local Los Angeles agents, there are two different types of agents and how they can quote your rates. Agencies in Los Angeles are considered either exclusive or independent. Both types can provide auto insurance policies, but it’s important to know the subtle differences since it may influence your selection of an agent.

Exclusive Auto Insurance Agencies

Exclusive agencies write business for a single company like Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to compare rates from other companies so keep that in mind. Exclusive agents are usually well trained on their company’s products and that can be a competitive advantage.

Below is a list of exclusive insurance agents in Los Angeles who can help you get rate quotes.

View more Los Angeles agents

Independent Insurance Agents

These agents are not required to write business for one company so they can insure your vehicles through many different auto insurance companies and get the cheapest rates. To move your coverage to a new company, they simply switch companies in-house which requires no work on your part.

When shopping rates, you definitely need to check rates from independent agents to get the best comparison.

Listed below are independent agents in Los Angeles who can help you get rate quotes.

View more Los Angeles agents

Specifics of your auto insurance policy

Knowing the specifics of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Liability insurance

Liability insurance can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability insurance covers things such as emergency aid, medical expenses and court costs. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford. California state minimum liability requirements are 15/30/5 but you should think about purchasing more liability than the minimum.

The chart below demonstrates why the minimum limit may not provide adequate coverage.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, damage from a tornado or hurricane and fire damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for things like ambulance fees, dental work and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays for damage to your Impreza resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like rolling your car, hitting a mailbox, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your Impreza in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Subaru Impreza.

Because many people carry very low liability coverage limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Quote more to save more

We just covered a lot of ways to shop for Subaru Impreza insurance online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even discover the biggest savings come from some of the lesser-known companies.

People change insurance companies for many reasons like policy non-renewal, policy cancellation, questionable increases in premium or denial of a claim. Whatever your reason, finding the right car insurance provider can be easy and end up saving you some money.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at the best price, but do not skimp to save money.

Additional information is located on the following sites:

• How to Avoid Staged Accidents (State Farm)
• Who Has Affordable Car Insurance Quotes for a Ford Escape in Los Angeles? (FAQ)
• Credit Impacts Car Insurance Rates (State Farm)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Comprehensive Coverage (Liberty Mutual)
• Older Driver Statistics (Insurance Information Institute)