Who Has the Cheapest Insurance Quotes for a Subaru Impreza in Virginia?

Finding cheap insurance for a Subaru Impreza in Virginia hinges on an enormous amount of rating factors like how many years you have been driving, if you have recent claims, and your driving record. Drivers in Virginia pay an average of $890 every 12 months to insure a Subaru Impreza, but that cost is a ballpark figure that rates a 50-year-old single male that includes full coverage and $250 deductibles.

More than likely, you are not 50 years old and maybe not even male, possibly married instead of single, or maybe your Impreza doesn’t need comprehensive and collision coverage. There is no one cookie-cutter policy that works for everyone, so the most reliable way to find affordable rates for your Subaru is to make a habit of comparing prices at least once a year. Quotes only take a few minutes and you will get price quotes from the cheapest companies in Virginia.

Find Cheaper Subaru Impreza Insurance

The trim level of your Subaru has an effect on the annual cost of coverage, so the cost to insure a Impreza 2.5I 4WD Station Wagon will be $230 less than the price to insure the higher-end Impreza WRX STI 4WD Station Wagon version, as shown by the rates below.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in vehicle garaging location which can modify prices greatly.

Finding out which company has the lowest-priced insurance rates for a Subaru Impreza will require more time than just comparing a company or two.

Each company has a different process to set premium rates, so we’ll go over the most affordable insurance companies in Virginia. It’s important that you understand Virginia insurance rates are calculated based on many things which can significantly increase or decrease the cost of a policy. Simply getting older, buying a new vehicle, or getting a ticket for running a stop sign can produce rate changes that can now make some companies more affordable than competitors.

Best Auto Insurance Prices for Your Impreza

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Travelers normally has some of the most affordable car insurance rates in Virginia at around $673 a year. USAA, Penn National, Cincinnati Insurance, and Utica National would also be considered some of the cheaper Virginia car insurance companies.

In the rate table above, if you buy coverage from Cincinnati Insurance and switched to Travelers, you may realize an annual savings of in the vicinity of $82. Drivers with Utica National might save as much as $85 a year, and The Hartford customers might reduce prices by as much as $104 a year.

To compare your rates to other Virginia insurance companies, click here to begin a quote or quote prices from the following companies.

Bear in mind that those premium estimates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a specific rate factor for a Subaru Impreza. So the auto insurance company that can offer you the best rate may not even be featured in the list above. That point stresses why you need to get quotes using your own specific driver information and vehicle.

The chart below illustrates how choosing a deductible can influence insurance rates when researching cheap insurance for a Subaru Impreza. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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In the chart above, a 50-year-old driver could lower rates by $246 a year by switching from a $100 deductible to a $500 deductible, or save $370 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 category, could save $606 annually by choosing a higher deductible. If you make the decision to raise deductibles, it’s a good idea to have enough funds in savings to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Which auto insurance company is best?

If you want reliable auto insurance, some of the largest companies to start with are Progressive, Geico, Allstate, and State Farm. The next table compares some of the ratings and options that are available for policyholders.

Tips to find low-cost auto insurance for a Subaru Impreza

Here are a few money-saving ideas that can help Virginia drivers buy cheap car insurance.

• Do not get traffic tickets
• Increase your physical damage deductibles
• Avoid preventable accidents
• Increase your credit rating
• Safe vehicles cost less to insure
• Save money by insuring older vehicles for liability only
• Comparison shop at least once a year

The last idea is extremely vital, as was emphasized in this write-up. Prices charged by auto insurers fluctuate constantly, so don’t be unwilling to buy a policy from a new company if a lower-cost policy is available. Brand loyalty is not necessarily bad, but we do not recommend it if that devotedness results in you overpaying thousands of dollars over several years. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for a Subaru Impreza.

Who has the cheapest Subaru Impreza insurance quotes?

You have many ways to find cheap insurance in Virginia, but the three most common methods are through an independent agent, an exclusive insurance agency such as State Farm or Allstate, or direct from companies such as Progressive or Geico. You can use whichever you prefer, but buyers should know the differences in how they provide rate quotes.

Independent agencies write for multiple companies and can provide price quotes from each one. Agents of this type are not required to write business for one company and can provide you with more rate quotes, which can give you more bang for your buck. If you are not satisfied with one company, you can get a different policy without having to get a different agent.

A captive, or exclusive, agent is only able to place business with one insurance company, a couple examples are Farmers Insurance or State Farm agents. Exclusive agents cannot provide rate quotes from other companies, so if finding the cheapest coverage is your goal, you will need to shop around.

Insurance from a direct company means you forego a local insurance agent and instead buy from a direct company like Progressive. This option may be the best choice people who do not need high amounts of coverage and have some degree of understanding of what insurance covers and what it doesn’t.

Out of those three methods, which one works best for finding the cheapest insurance for a Subaru Impreza in Virginia? We’d like to say buying from a direct car insurance company saves the most money since there isn’t an agent involved, but unfortunately, that is not the case. We’d also like to say an independent agency results in the best rates since they can quote with many companies, but again, that’s not accurate. In some circumstances, exclusive agents may have prices that cannot be beaten by either independent or direct companies.

Since insurance companies use so many rating factors, really the best method to get the cheapest rates is to compare lots of quotes. We highly recommend getting prices from all three to get a good idea who is cheapest. For a list of companies offering online discounts in Virginia, click here to view.