How Much Does Insurance Cost for a Subaru Impreza in Alabama?

When writing about car insurance, the words “affordable” or “cheap” should never be used anywhere in the article. Be that as it may, cheap auto insurance for a Subaru Impreza is almost non-existent. We’ll try to make it up to you, because we will tell you how you can still find coverage that is more affordable than your current policy.

Whether or not you can find cheap car insurance for a Subaru Impreza in Alabama is contingent on a lot of factors such as how old the Impreza is, the likelihood of vehicle theft, and whether or not you are a good driver. Alabama drivers on average pay around $1,560 every 12 months to insure a Subaru Impreza, but that rate is an estimate assuming a 30-year-old single female driver that wants both comprehensive and collision coverage and $100 policy deductibles.

The issue with using an average estimated rate is the likelihood you may not be 30 years old (or even female), you might be married instead of single, or maybe you just want to insure for liability only. Even a very minor difference in policy rating variables could end up with a large change in the cost of a policy.

Auto insurance prices are based on the driver profile the best method for finding cheap insurance rates for your Subaru is to take your time and compare rates from as many companies as possible. Quotes are free and you will get price quotes from some of the most affordable companies in Alabama.

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The specific trim level will be a contributing factor to the cost of coverage, so the price you will pay to insure a Impreza 2.5I 4WD Station Wagon model will be $428 cheaper than the price to insure the more well-appointed Impreza WRX STI 4WD Station Wagon trim level, as shown by the rates below.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in specific location information which can revise coverage prices considerably.

Determining which company has the best auto insurance rates for a Subaru Impreza will involve a little more effort in order to find the best policy. Each auto insurer used slightly different criteria for establishing rates, so let’s look at the rankings for the overall cheapest auto insurance companies in Alabama.

It’s important that you understand Alabama auto insurance rates are calculated based on many things which can substantially change the price you pay for coverage. Simply turning a year older, moving to a different location, or getting a driving violation can trigger rate changes that may make certain companies more affordable than competitors.

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Travelers has some of the lowest car insurance rates in Alabama at around $783 annually. Cincinnati Insurance, USAA, GEICO, and Safeway are also some of the more affordable Alabama insurance companies.

In the above example, if you are a customer of Safeway and switched to Cincinnati Insurance, you might see annual savings of in the vicinity of $346. Customers with Country could save as much as $371 a year, and Auto-Owners customers might lower prices by up to $382 a year.

It’s important to note that these premium estimates are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific rate factor for a Subaru Impreza. So the car insurance company that is best for you may not even be shown in the list of companies above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

The information below illustrates how choosing a deductible can affect premium costs when getting quotes for cheap insurance for a Subaru Impreza. The premium estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

As shown above, a 50-year-old driver could cut expenses by $290 a year by increasing from a $100 deductible to a $500 deductible, or save $440 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, could shave up to $966 each year just by choosing higher deductibles.

If you do decide to increase your deductibles, it will now be necessary to have enough savings set aside to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Cost of full coverage

Finding cheap insurance for a Subaru Impreza in Alabama is important to most people, and one of the quickest ways to find cheap insurance is to not insure for full coverage. The chart below illustrates the comparison of premium costs with full physical damage coverage compared to only buying liability only. The prices are based on no violations or accidents, $100 deductibles, drivers are single, and no policy discounts are applied.

Averaged out for all age groups, comp and collision coverage costs an additional $2,733 per year more than just buying liability insurance. At some point, every insured wonders when is the right time to remove full coverage. There is no specific rule to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

Cheapest Subaru Impreza insurance quotes

Drivers have a lot of different ways to find cheap auto insurance in Alabama, but the most preferred ways are through a captive (or exclusive) agency like Auto-Owners or State Farm, an independent or non-exclusive agent, or buying direct from a company like Progressive or Geico.

Each way has the same basic steps, but auto insurance buyers need to understand the differences in how they give price quotes.

Independent agents have contracts with multiple insurance companies and can get policy pricing from every one. These types of agencies are not locked into one company and can give you more rates, which may give you the best idea of how your rates compare. If prices rise, your policy is moved internally and the insured can keep the same agent.

A captive, or exclusive, agent is contracted to a single insurance company, two examples being Liberty Mutual and Allstate agents. Exclusive agents generally are unable to provide rate quotes from other companies, so if their prices are high, they cannot shop around.

Consumers who buy auto insurance direct forego either of the other two types of agents and instead shop direct online or over the phone from a company like Esurance or Progressive. Shopping direct may be the best choice families who do not have a need for a risk management assessment and understand the limitations of their policy.

So which one of the three ways works best to buy cheap insurance for a Subaru Impreza in Alabama? Most people assume that buying from a direct car insurance company results in the cheapest rates since no commissions are paid to an agent, but unfortunately, it’s not that simple. And we’d like to say buying auto insurance from an independent agent is the best way to save because they can shop around, but again, that’s not accurate. And occasionally, exclusive agents may have prices that other companies cannot beat.

Since auto insurance rates vary so much, the one way to buy the cheapest coverage is to do a thorough rate comparison. If you have the time, get prices from all three types to give yourself the best selection. For a list of companies with some of the cheapest Alabama auto insurance rates, click here to view.

How to find the cheapest insurance for a Subaru Impreza

The list below shows many thrifty ideas that can help Alabama drivers buy more affordable auto insurance.

• Safer vehicles generally have cheaper insurance rates
• Buying car and homeowners insurance together can save money
• Increase physical damage deductibles
• Drivers with good credit often pay less
• Try to remain claim-free
• Do not insure for full coverage
• Compare prices as often as possible

That last idea is especially necessary, as was stressed in the prior article. Prices in Alabama can change in a short period of time, so drivers shouldn’t be resistant to switch companies if a more affordable rate is found. Many drivers prefer to stick with one company, but it’s not a great idea if your bullheadedness ends up costing you money that could be used for better things. It takes less than five minutes to compare prices to find cheaper car insurance for a Subaru Impreza.