How Much are Insurance Quotes for a Subaru Impreza in Georgia?

Our editors have a joke that when writing about auto insurance, the words cheap or affordable should not appear anywhere to describe car insurance rates. The fact is, cheap auto insurance for a Subaru Impreza is not always easy to find. Don’t let that ruin your day, because we will tell you how you can find insurance that most people can afford.

Buying cheap auto insurance for a Subaru Impreza in Georgia is dependent upon a fairly complex equation with a lot of factors like whether the vehicle is new, if you currently have coverage, and citations or violations on your driving record. Drivers in Georgia pay approximately $1,500 a year for Impreza insurance, but that policy rate is a projection using rating data for a 40-year-old single male driver that has both comprehensive and collision coverage and $250 deductibles.

When making auto insurance estimates, the issue arises that you may not be 40 years old (or even male), maybe you are married instead of single, and you probably do not live in the same zip code as the example. Having just a slight change in price quote data can cause big differences in quoted rates.

Having different needs demonstrates why the only way to find the cheapest coverage for your Subaru is to make a habit of comparing prices at least once a year.

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Your vehicle’s trim level will be a contributing factor to the cost of insurance, so the price to insure a Impreza 2.5I 4WD Station Wagon will be $392 less than the insurance cost for the high end Impreza WRX STI 4WD Station Wagon version, as shown in the prices below.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in garaging location in Georgia which can affect prices considerably.

Insuring your vehicle with the right auto insurance company is difficult considering how many different insurance companies sell coverage in Georgia. The information displayed below can help you analyze which companies you want to consider when trying to find cheaper insurance for a Subaru Impreza.

The ratings below only include companies with a nationwide focus, so companies that have a smaller presence are not taken into consideration for this list. To compare prices from these top-rated insurers and more, click here.

Driving violations and accidents

A great way to score low auto insurance rates in Georgia for an Impreza is to be an attentive driver and maintain a clean driving record. The information below demonstrates how speeding tickets and accident claims raise annual premium costs for different age categories. The rate quotes are based on a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of a car insurance policy in Georgia per year with a clean driving record and no accidents is $2,367. Factor in two speeding tickets and the average cost hikes up to $3,135, an increase of $768 each year. Then add in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Subaru Impreza increases to an average of $3,910. That’s an increase of $1,543, or $129 per month, just for being a little careless behind the wheel!

Which car insurance company is best?

When it comes to buying insurance for an Impreza in Georgia, the top insurers to get price quotes from are Progressive, Geico, Allstate, and State Farm. When combined, they have almost 50% of all auto insurance written. The table below compares ratings for price, service, and claims, in additional to some of the optional coverages that are available for policyholders.

How to find cheap insurance for a Subaru Impreza in Georgia

The list below details many money-saving solutions that can help Georgia drivers find low-cost coverage.

• Buying home and auto together can help save money
• Earn a discount by not filing claims
• Drive safe vehicles
• Prevent price hikes by avoiding at-fault accidents
• Do not get tickets or violations
• Compare rates often to find the best deal

That last tip is extremely vital, as was pointed out in this article. Coverage prices can change considerably in a year, so don’t be afraid to buy a policy from a new company if a cheaper price is available. Many drivers prefer to stick with one company, but it’s not a good idea if that devotedness results in you overpaying a lot of money every month. Now is a great time to compare rates and find cheaper insurance for a Subaru Impreza.

Cheap Subaru Impreza insurance quotes

You have a lot of ways to quote auto insurance rates in Georgia, but the most preferred ways are through an exlusive agent like State Farm or Allstate, an independent agent, or direct either online or via phone. Each way is similar, but buyers should know the differences in how they give price quotes.

Independent insurance agents have contracts with multiple insurance companies and can compare coverage rates with every one. Agents of this type can quote with many companies and give you a larger rate selection, which can help you get a better chance of saving money. If premiums increase, the business is moved internally and you won’t have to switch agencies.

Exclusive agents are only able to give prices for a single insurance company such as an Auto-Owners or Allstate agent. These agents are unable to give you multiple price quotes, so you will not be able to compare other companys’ rates.

The last way is buying direct, which means you forego an independent or exclusive agent and instead shop from a direct company like Geico. This option can be good for families who do not have a need for a risk management assessment and have a decent understanding of what auto insurance covers.

What is the best method to find cheap insurance for a Subaru Impreza in Georgia? Our initial answer would be shopping direct yields the cheapest rates because there are no middleman commissions, but in reality, that is not the case. A good argument could also be made that buying from an independent agent results in the best rates since there are more companies to choose from, but again, that’s not a true statement. In the right set of circumstances, the exclusive agents have coverage prices that are well below what direct and independents offer.

Because there is so much variation in auto insurance prices, the best way to not overpay for auto insurance is to do a thorough rate comparison. If you have the time, get quotes from all three to have a good selection of rates to choose from. For a list of companies with cheap rates in Georgia, click here to view.