Cheap Insurance for a Subaru Impreza in Arizona

Our staff writers always rib each other than when writing about car insurance, the words “affordable” or “cheap” should never appear anywhere in the article as a descriptor for car insurance rates. Unfortunately, cheap car insurance for a Subaru Impreza does not exist. Don’t let that ruin your day, because we can show you some ways you can quote car insurance that is affordable.

The chances of finding the cheapest car insurance for a Subaru Impreza in Arizona is contingent on many rating factors such as if you rent or own your home, where your vehicle is garaged, and your choice of physical damage deductibles. Drivers in Arizona pay an average of $670 per year to insure their Impreza, but that is a valuation calculated based on a 50-year-old married female driver that has full physical damage coverage and $1,000 deductibles.

There is a very good chance that you are not 50 years old and maybe not even female, single instead of married, or maybe you do not need full coverage. Have just a small change in the rating input factors can lead to a significant difference in the cost of insurance for a Subaru Impreza.

This illustrates why the best way to quote cheap insurance prices for your Subaru is to shop your policy around at every renewal.

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Your vehicle’s trim level will influence the annual cost of coverage, so the price you will be charged to insure a Impreza 2.5I 4WD Station Wagon trim level will be $136 less than the insurance cost for the more costly Impreza WRX STI 4WD Station Wagon version, as shown in the chart below.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can modify prices considerably.

Deciphering which company has the cheapest car insurance rates for a Subaru Impreza will require a little more work in order to find the best price. Every insurance company has a proprietary method for setting prices, so to begin we’ll rank the lowest cost car insurance companies in Arizona.

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The Hartford offers some of the most affordable car insurance rates in Arizona at around $836 each year. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the lowest-priced Arizona auto insurance companies.

As shown in the rates above, if you currently have a policy with Safeco and switched to The Hartford, you may see savings of in the neighborhood of $69. Policyholders with Auto-Owners may save as much as $79 a year, and Travelers customers might realize rate reductions of up to $250 a year.

To get a fast rate comparison, click here to get quotes or visit any of the companies below.

These prices are averaged for all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Subaru Impreza. So the insurer that fits your situation best may not even be included in the company chart above. That emphasizes why you need to compare as many prices as possible using your own driver information and specific vehicle type.

The diagram below demonstrates how deductibles can impact insurance premiums when trying to find cheap insurance for a Subaru Impreza. Data assumes a married male driver, full physical damage coverage, and no discounts are applied.

The data above shows that a 40-year-old driver could reduce rates by $250 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $378 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could roll back prices $834 annually just by using higher deductibles.

When increasing deductibles, it will be important to have enough savings set aside to be able to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Who has the cheapest Subaru Impreza insurance quotes?

You have a lot of ways to find affordable car insurance in Arizona, but the three most common ways are from an independent insurance agent, a captive (or exclusive) agency like State Farm or Auto-Owners, or direct from companies such as Progressive or Geico.

Each way has the same basic steps, but car insurance shoppers should know the differences in how they work.

Independent agencies work with multiple companies and can get rate quotes from every one. Agents of this type can compare multiple rates, which may provide you with the best shot at cutting your rates. If a cheaper price is found, you can get a different policy and you can remain with the same agent.

An exclusive ageny is able to place business with just one company such as an Allstate or State Farm agent. These agents normally cannot quote prices from more than a single company, so if the price isn’t competitive there isn’t much they can do.

The third way to buy car insurance is direct which means you bypass a local insurance agent and instead buy from a direct company like Geico. This car insurance option may be the best choice people who do not have complex finances and have a good understanding of what specific coverages they need.

What is the best way for finding cheap insurance for a Subaru Impreza in Arizona? Most people assume that shopping direct results in the cheapest rates since that prevents the need to pay agent commissions, but unfortunately, it’s not that cut and dried. It would also be easy to say an independent agent guarantees the best prices due to increased selection, but that assumption is also not accurate. For the right applicant, the exclusive agents have extremely competitive rates that are well below what direct and independents offer.

Since car insurance prices are based on many different factors, the best way to buy the cheapest policy is to get quotes and compare. The ideal approach is to get prices from all three types to get an idea of which is cheapest. For a list of companies with online discounts, click here to view.

How to find economical insurance for a Subaru Impreza

The list below summarizes some of the better penny-pinching suggestions that can help Arizona drivers quote cheaper auto insurance.

• Vehicles with good safety ratings have lower liability rates
• Full coverage is expensive so only insure older vehicles for liability only
• You will pay more if you get tickets or have at-fault accidents
• At-fault accidents will increase rates
• Higher deductibles mean lower rates
• Increase your credit score
• Compare rates and switch if you can find a better deal

The last tip is extremely critical, as we stressed in this write-up. Auto insurance rates adjust frequently, so drivers shouldn’t be resistant to switch to a new company if a lower-cost policy is available.

Staying with the same car insurance company is fine, but it isn’t a good idea if that faithfulness ends up costing you a fortune every year. Take a few minutes and compare rates to find cheaper insurance for a Subaru Impreza.