Affordable Boston Subaru Impreza Insurance

We don’t have to tell you that car insurance companies want to keep your business as long as possible. Consumers who rate shop once a year are inclined to switch to a new company because there is a good chance of finding a more affordable policy premium. A recent insurance study discovered that consumers who made a habit of comparing rate quotes saved as much as $3,400 over four years as compared to drivers who never shopped around for cheaper prices.

If finding the lowest price for auto insurance in Boston is why you’re here, then having a grasp of the best way to quote and compare insurance can make it simple to find affordable coverage.

If you want to save money, the best way to find more affordable auto insurance rates in Boston is to compare prices annually from providers who sell auto insurance in Massachusetts.

1. Try to learn a little about how companies price auto insurance and the things you can control to keep rates low. Many rating factors that are responsible for high rates such as accidents, traffic tickets, and a less-than-favorable credit rating can be amended by making minor driving habit or lifestyle changes. Keep reading for additional tips to prevent expensive rate increases and find additional discounts.
2. Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while independent agencies can quote rates for a wide range of insurance providers.
3. Compare the quotes to your current policy premium to see if you can save by switching companies. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
4. Notify your current company of your intent to cancel your current auto insurance policy. Submit the required down payment along with the signed application for the new policy. Immediately place your new certificate of insurance in your vehicle.

One tip to remember is to make sure you’re comparing the same liability limits and deductibles on every quote request and and to compare every company you can. Doing this ensures an accurate price comparison and a complete selection of prices.

The most recommended method to compare car insurance rates for Subaru Impreza insurance in Boston takes advantage of the fact auto insurance companies provide online access to give you rate quotes. The one thing you need to do is provide details such as your credit rating estimate, level of coverage desired, if you are currently licensed, and what you do for a living. That information is instantly provided to insurance companies and you will get price comparisons immediately.

To compare rates for your car now, click here and find out if you can get cheaper insurance in Boston.

The auto insurance companies shown below are ready to provide price comparisons in Massachusetts. If your goal is to find cheap auto insurance in MA, it’s a good idea that you click on several of them to find the most competitive auto insurance rates.

Get cheaper Subaru Impreza insurance rates in Boston

Some companies do not list every policy discount very well, so the following list contains some of the best known as well as the least known credits available to lower your premiums when you buy Boston car insurance online.

• Air Bag Discount – Factory options such as air bags or motorized seat belts can receive discounts of up to 25% or more.
• Multi-line Discount – Some companies give lower rates if you buy a life policy as well.
• Defensive Driver Discount – Successfully completing a course that instructs on driving safety could save 5% or more and also improve your driving technique.
• No Accidents – Insureds with no claims or accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
• E-sign Discounts – Many insurance companies will give a small break for completing your application on the web.
• College Student Discount – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.
• One Accident Forgiven – Not a discount per se, but companies like Progressive, Allstate, and GEICO allow you one accident before they charge you more for coverage if your claims history is clear before the accident.
• Seat Belt Discounts – Requiring all passengers to use a seat belt can save 10% or more off the medical payments premium.
• 55 and Retired – Drivers over the age of 55 could receive a slight reduction on a Boston car insurance quote.
• Discounts for Federal Employees – Having worked for a branch of the government could provide a small rate reduction depending on your company.

A quick disclaimer, most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

The chart below visualizes the comparison of Subaru Impreza car insurance costs with and without discounts applied. The costs are based on a male driver, no claims or driving citations, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, marriage, safe-driver, and homeowner discounts applied.

Larger auto insurance companies and their possible discounts can be read below.

• Farmers Insurance policyholders can earn discounts including alternative fuel, distant student, bundle discounts, multi-car, and electronic funds transfer.
• State Farm has discounts for driver’s education, multiple autos, anti-theft, student away at school, defensive driving training, good driver, and accident-free.
• Liberty Mutual may offer discounts for new move discount, new graduate, newly married, good student, safety features, and hybrid vehicle.
• MetLife offers discounts including good student, accident-free, multi-policy, defensive driver, claim-free, and good driver.
• Progressive discounts include online quote discount, multi-vehicle, good student, online signing, multi-policy, and continuous coverage.

When getting a coverage quote, ask all the companies to give you their best rates. Savings may not apply to policyholders in Boston. If you would like to choose from a list of providers who offer online Subaru Impreza insurance quotes in Boston, click this link.

Data for Subaru Impreza insurance

The table displayed below outlines different insurance rates for Subaru Impreza models. Learning a little about how rate quotes are calculated can assist in making informed coverage decisions.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Table data does not factor in specific location information which can decrease or increase coverage prices significantly.

Policy deductibles

When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The rates below can help you visualize the costs and benefits when you select higher and lower comp and collision deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific garaging location which can increase or decrease coverage prices noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $37 more each month or $444 every year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 24 months between claim filings, you would save money if you choose the higher deductible. Here is the way you can make this decision for your own policy.

An important thing to remember is that increasing deductibles to save money means you will have to pay more when you have a physical damage claim. You need some non-essential savings in the event you have to pay the deductible.

Full coverage rates vs. liability-only in Boston

The chart below visualizes the comparison of Subaru Impreza insurance costs with full physical damage coverage and with liability coverage only. The price estimates are based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There is no definitive formula of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Subaru Impreza settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $6,000 after the policy deductible has been paid. If it’s costing you more than $600 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some scenarios where removing full coverage is not a good plan. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Seven factors that affect insurance premiums

Many different elements are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other factors are more obscure such as your marital status or how safe your car is.

Stress out and pay more – Occupations like fire fighters, police officers, and miners are shown to have higher rates than the rest of us due to job stress and lots of time spent away from family. On the flip side, jobs such as actors, athletes and retirees pay lower than average rates.

Put fewer miles on your vehicle – The more miles you rack up on your Subaru in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks left parked in the garage receive better premium rates than those that get driven frequently. Having the wrong rating on your Impreza can cost quite a bit. Make sure your policy is rated on the right rating data, because improper ratings can cost you money.

Your spouse saves you money – Your spouse may cut your premiums on your policy. It translates into being less irresponsible it has been statistically shown that married drivers tend to have fewer serious accidents.

Consolidate policies with the same company – Many companies give discounts for people who buy several policies from them, otherwise known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you already get this discount, you may still want to comparison shop to confirm you are receiving the best rates possible. Drivers may still save more without the discount by buying insurance from more than one company.

Cars with good safety ratings means better rates – Safer cars tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you.

Gals tend to cost less – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Both genders have accidents in similar numbers, but the male of the species tend to have higher claims. Men also statistically receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers tend to get in the most accidents so it costs more to insure them.

The information below visualizes the comparison of Subaru Impreza car insurance rates for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Raising deductibles lowers premiums – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Subaru. A few examples of covered claims could be collision with another vehicle, hitting a deer, and damage from a fallen tree branch. The deductibles state the amount of money you are willing to pay before a claim is paid by your company. The more money the insured has to pay upfront, the better rate you will receive.

Insurance losses for a Subaru Impreza – Insurance companies factor in insurance loss information to help calculate premium prices. Vehicles that have increased losses will have a higher premium rate. The next table shows the actual insurance loss data for Subaru Impreza vehicles.

For each policy coverage type, the loss probability for all vehicles, without regard to make or model, is considered to be 100. Values under 100 represent a good loss history, while percentage values above 100 indicate more frequent losses or tendency to have higher losses.