Best Cheap Insurance for a Subaru Impreza in Vermont

When discussing car insurance, the word cheap shouldn’t be used anywhere to describe car insurance prices. Despite the oxymoron, cheap car insurance for a Subaru Impreza is pretty hard to find. Don’t let that bother you, though, because we can show you some ways you can quote and buy coverage that is easier on your budget.

Buying cheap insurance for a Subaru Impreza in Vermont depends upon a fairly complex equation with a lot of factors like if you rent or own your home, where your vehicle is garaged, and if your driving record is clean. Drivers in Vermont on average pay around $910 every 12 months to insure a Subaru Impreza, but that rate is a valuation based on a 40-year-old single male that includes full comprehensive and collision coverage and $250 policy deductibles.

But there is a high probability that you are not 40 years old and maybe not even male, married instead of single, or maybe you just want to insure for liability only. Even a minor difference in the rating input factors can precipitate large changes in the policy rate.

This demonstrates why your best shot at finding the cheapest insurance price for your Subaru is to just take the time to compare rates yourself. To start saving now, get free quotes and you can get prices from some of the best insurers that insure Subaru vehicles in Vermont.

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Your Subaru’s trim level will likely have an effect on the cost of insurance, so the price you will be charged to insure a Impreza 2.5I 4WD Station Wagon model will be $236 less than the price to insure the more costly Impreza WRX STI 4WD Station Wagon model, as shown below.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Vermont minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower rates significantly.

Trying to buy affordable auto insurance is confusing at best, and deciding which companies quote the cheapest insurance rates for a Subaru Impreza takes a bit more work.

Every insurance provider uses a slightly different approach for setting rates, so let’s take a look at the insurance companies with the overall best prices in Vermont. Keep in mind that Vermont insurance rates are impacted by many factors that control the price you pay for coverage. This price variation is why it is crucial to compare as many rates as possible when trying to get cheap car insurance rates for a Subaru Impreza. Car insurance prices are determined by many risk factors and change dramatically, so the cheapest rate when you last compared rates may now be wasting a lot of money.

Best Cheap Insurance Rates for Your Impreza

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Safeco quotes some of the lowest car insurance rates in Vermont at around $463 each year. California Casualty, The Hartford, USAA, and Travelers also are some of the cheaper Vermont auto insurance companies.

In the above rates, if you have coverage with USAA and switched to Safeco, you may realize a yearly price reduction of approxmiately $182. Customers with Travelers could save as much as $245 a year, and Unitrin insureds might reduce rates by $268 a year.

Be aware that those policy rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific rate value for a Subaru Impreza. So the car insurance company that is best suited for you may not even be in the list above. That emphasizes why you need to compare prices as often as possible using your own personal information and vehicle type.

Full coverage versus liability-only in Vermont

Finding the best cheap insurance for a Subaru Impreza in Vermont is important to most drivers, and one good way to pay lower rates for insurance is to not pay for full coverage. The diagram below illustrates the difference between insurance premiums with full physical damage coverage compared to only buying liability only. The prices are based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no policy discounts are applied.

If all age groups are averaged, comprehensive and collision coverage on your policy costs an extra $1,933 per year more than just buying liability insurance. That brings up the question if it’s a good idea to buy full coverage. There is no set rule for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your vehicle’s replacement cost is $12,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $11,000 after the deductible is paid. If it’s costing in excess of $1,100 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

Is the best company Geico, Progressive, Allstate, or State Farm?

If you want the best insurance for an Impreza in Vermont, probably the best companies to start with are Geico, Progressive, Allstate, and State Farm. When combined, they have 48.5% of all policies written in the United States. The data below compares price and claims rank as well as some different options that you can purchase from each one.

Find the best cheap insurance for a Subaru Impreza in Vermont

Here are many penny-pinching solutions that can help you get more affordable coverage.

• Good credit can save money
• Prevent rate increases by staying accident-free
• Just one traffic violation will increase your rates
• Higher comprehensive and collision coverage deductibles will save money
• Buy a vehicle with excellent safety ratings
• Compare price quotes at least once a year

That final tip is highly crucial, as was pointed out in this write-up. Prices charged by auto insurers can change significantly in a year, so don’t be hesitant to buy a policy from a new company if a more affordable rate is found.

Staying with the same car insurance company is fine, but it’s not a good idea if that faithfulness ends up costing you major coinage every year. Spend a few minutes and compare rates and find cheaper insurance for a Subaru Impreza.

Who has the cheapest Subaru Impreza insurance quotes?

There are quite a few ways to shop around for insurance in Vermont, but the most common are through an exclusive agency like Allstate or State Farm, an independent agent, or direct from companies such as Progressive or Geico.

They all follow the same basic process, but it’s good to know the differences in how they function.

Independent insurance agencies write for multiple companies and can provide price quotes from every one. These agents do not work for one specific company and can compare multiple rates, which may provide you with a better comparison. If a cheaper price is found, an independent agent can move your coverage and you can keep the same agent.

An exlusive, or captive, agency is only able to quote your policy with a single insurance company, a couple examples are a State Farm or Liberty Mutual agent. They are unable to provide rate quotes from other companies, so it’s a good idea to shop around.

The third popular method of shopping for insurance is direct, which means you skip the middleman (the agent) and instead shop from a direct company like Esurance or Progressive. Buying direct can be a good choice for consumers who do not have a complex risk profile and know the exclusions of a policy.

So which way is best to buy the best cheap insurance for a Subaru Impreza in Vermont? Most people would assume that buying direct saves money because you bypass the middleman, but unfortunately, that is not the case. And we’d like to say buying from an independent agent can save the most money since they can provide multiple quotes, but again, that’s not a true statement. In many cases, exclusive agents have really good rates that are impossible to beat.

Due to the fact that insurance rates vary so much, the only real way to make sure you’re not overpaying for insurance is to obtain price quotes and compare them. If you want to save money, get rate quotes from independent agents, exclusive agents, and direct companies to have the best rate selection. For a list of companies with some of the cheapest Vermont insurance rates, click here to view.