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

Whether or not you can find cheap car insurance for a Subaru Impreza in Nebraska hinges on a complex equation that considers factors such as the safety rating of your vehicle, if you have ever let your coverage lapse, and blemishes on your driving record. Drivers pay on average $1,010 every 12 months for Impreza insurance, but that figure is an estimation using rating data for a 40-year-old single male driver with full coverage and $500 deductibles.

Odds are that you are not 40 and possibly not even male, maybe you are married instead of single, or maybe your driving record isn’t squeaky clean. Having what appears to be a very minor change in the criteria used to calculate rates can result in a big discrepancy in the cost of insurance.

Auto insurance is unique to every driver, so the best method for finding the cheapest rates for your Subaru is to put in the effort to do a thorough rate comparison.

Insure Your Subaru for Less

The trim level of your Subaru tends to impact price, so the cost to insure a Impreza 2.5I 4WD Station Wagon will be $242 lower than the price to insure the higher-priced Impreza WRX STI 4WD Station Wagon trim level, as shown in the table below.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Nebraska garaging location which can change rates noticeably.

Deciding which company has the most affordable insurance rates for a Subaru Impreza may require a bit more effort than just comparing rates from one or two companies.

Every insurance provider has a different process for determining rates, so let’s take a look at the lowest cost insurance companies in Nebraska. It’s a good idea to be aware that Nebraska insurance rates are determined by lots of factors which can substantially decrease or increase the price of your policy. Getting older, having a teenage driver, or having a fender bender may prompt premium changes that can cause some rates to be more affordable than competitors.

Lowest Insurance Price Quotes for Your Impreza

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Safeco normally has some of the lowest car insurance rates in Nebraska at around $788 a year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also are some of the cheaper Nebraska auto insurance companies.

In the above example, if you buy coverage from Allied and switched to The Hartford, you could realize an annual premium reduction of around $74. Customers with Farmers Mutual of Nebraska might save as much as $154 a year, and Farm Bureau Mutual insureds might cut rates by $155 a year.

To compare your rates to other Nebraska insurance companies, click here to begin a quote or click several companies below for low rates.

Understand that those policy prices are averages for all insureds and vehicles and do not take into consideration a specific rate factor for a Subaru Impreza. So the car insurance company that can offer the best rates for your situation may not even be included in the company chart above. That’s why you need to get auto insurance quotes using your own specific driver and vehicle information.

Full coverage rates vs. liability-only in Nebraska

Finding cheap insurance for a Subaru Impreza in Nebraska should be important to the majority of drivers, and a great way to lower the cost of insurance is to not buy full coverage. The information below shows the difference between car insurance rates with and without full coverage. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied.

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Averaged for all ages 20 through 70, physical damage insurance costs $1,514 per year more than insuring for liability only. That is a large expense which might make you wonder if it’s a good idea to buy full coverage. There is no definitive guideline of when to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

How to get discounts on Nebraska auto insurance

Insurers that provide cheap insurance for a Subaru Impreza in Nebraska may also offer price discounts that can lower rates by 25% or more if you qualify for them. A few of the larger companies and a selection of discounts are outlined below.

The illustration below illustrates the comparison of car insurance rates with and without some available policy discounts. The data is based on a male driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, safe-driver, multiple vehicle, claim-free, defensive driving course, and anti-theft discounts applied. In this example, the the average yearly reduction on insurance for a Subaru Impreza is 16% or $187.

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