Cheap Insurance for a Subaru Impreza in Dallas

No car owner likes buying insurance, particularly when they could get a better deal.

Remarkably, a study showed that over 70% of consumers have remained with the same insurance company for at least the last four years, and just under half have never quoted rates to find cheaper coverage. Consumers in Texas could save themselves up to $1,770 a year, but they just don’t want to find cheaper insurance by shopping around.

Steps to finding discount Subaru Impreza insurance in Dallas

Truthfully, the best way to get affordable car insurance rates in Dallas is to make a habit of regularly comparing prices from insurance carriers who provide auto insurance in Texas.

1. Try to understand what is in your policy and the modifications you can make to lower rates. Many risk factors that cause high rates like traffic violations, accidents, and a negative credit score can be eliminated by improving your driving habits or financial responsibility.
2. Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can quote rates from multiple companies. Get quotes now
3. Compare the new rate quotes to your existing policy to see if cheaper Impreza coverage is available. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.

The critical component of shopping around is to try to use similar limits and deductibles on every quote and and to analyze as many companies as you can. Doing this guarantees the most accurate price comparison and a complete price analysis.

Numerous auto insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to find the cheapest price on Subaru Impreza insurance in Dallas.

It’s smart to check insurance prices periodically because prices fluctuate regularly. Just because you had the lowest price on Subaru Impreza insurance in Dallas last year you may be paying too much now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the fastest way to lower your rates without sacrificing coverage.

The easiest way to get rate comparisons for Subaru Impreza insurance in Dallas is to realize auto insurance companies provide online access to give free rates quotes. All you need to do is provide a small amount of information like coverage limits, your education level, if you require a SR-22, and your occupation. Those rating factors gets transmitted to multiple car insurance providers and you will receive price estimates instantly.

If you would like to compare rates now, click here and enter the information requested.

The companies in the list below offer free quotes in Texas. If the list has multiple companies, we suggest you get price quotes from several of them in order to get a fair rate comparison.

Companies offer many discounts on Subaru Impreza insurance in Dallas

Some insurance providers don’t always publicize the entire discount list in a way that’s easy to find, so the below list has some of the best known as well as some of the hidden ways to save on insurance.

• Defensive Driver Discount – Successfully completing a course teaching defensive driver skills is a good idea and can lower rates and make you a better driver.
• Accident Free – Drivers who don’t have accidents get the best insurance rates compared to bad drivers.
• Federal Government Employee – Employees or retirees of the government can save as much as 8% with select insurance companies.
• Discount for Life Insurance – Larger companies have lower insurance rates if you buy life insurance.
• Savings for New Vehicles – Adding a new car to your policy can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
• Active Military Service – Having a deployed family member may lower your premium rates slightly.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft so companies will give you a small discount.

Don’t be surprised that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, that’s just not realistic. But all discounts should definitely cut the cost of coverage.

The diagram below shows the comparison of Subaru Impreza insurance prices with and without discounts applied to the rates. The price estimates are based on a male driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, homeowner, and claim-free discounts applied.

The best insurance companies and a selection of discounts can be read below.

• Travelers discounts include multi-policy, early quote, driver training, good student, and home ownership.
• 21st Century offers discounts including homeowners, teen driver, theft prevention, student driver, air bags, automatic seat belts, and good student.
• State Farm may include discounts for accident-free, multiple autos, driver’s education, defensive driving training, multiple policy, Steer Clear safe driver discount, and Drive Safe & Save.
• GEICO may have discounts that include federal employee, multi-vehicle, emergency military deployment, daytime running lights, good student, membership and employees, and air bags.
• SAFECO includes discounts for teen safety rewards, homeowner, safe driver, teen safe driver, and multi-car.
• AAA may offer discounts for pay-in-full, good driver, AAA membership discount, multi-policy, anti-theft, and good student.

It’s a good idea to ask each company or agent how you can save money. Savings may not apply to policies in Dallas. For a list of insurers with significant discounts in Texas, follow this link.

Insurance coverage analysis

The rate information shown next outlines a range of insurance prices for Subaru Impreza models. Knowing how policy rates are formulated can help drivers make informed decisions when comparing rate quotes.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Table data does not factor in vehicle garaging location which can impact price quotes substantially.

Choosing deductibles

One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The data tables below summarize the cost difference between high and low physical damage deductibles. The first data set uses a $100 physical damage coverage deductible and the second price grid uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in Dallas location which can affect price quotes noticeably.

Based on this data, using a $100 deductible costs approximately $28 more each month or $336 annually across all Subaru Impreza models than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 14 months between claim filings, you would probably come out ahead if you choose the higher deductible.

The illustration below shows how choosing a deductible and can change Subaru Impreza insurance prices for different age groups of insureds. The rates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Subaru Impreza insurance costs by gender and age in Dallas

The example below shows the comparison of Subaru Impreza yearly insurance costs for male and female drivers. The price estimates are based on no violations or claims, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied.

How Insurance Providers Calculate Subaru Impreza Insurance Costs

Multiple criteria are part of the calculation when you get your auto insurance bill. Most are fairly basic like an MVR report, but some are less apparent like your vehicle usage or your financial responsibility.

Shown below are some of the factors used by your company to calculate your rates.

• Getting married can save on insurance – Having a wife or husband can actually save you money on your policy. It may mean you are more responsible and insurance companies like that married drivers tend to file fewer claims.
• When should you file a claims? – Insurance companies in Texas provide most affordable rates to people who do not file claims often. If you are the type of insured that files lots of claims you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is intended for major claims that would cause financial hardship.
• Where you reside plays a part – Choosing to live in smaller towns and rural areas of the country can be a good thing when insuring your vehicles. Urban drivers have to deal with traffic congestion and a longer drive to work. Less people translates into fewer accidents in addition to fewer liability claims.
• More than one policy can earn a discount – Most major insurers apply better rates for people who carry more than one policy in the form of a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to shop around to verify if the discount is saving money. It’s possible to still find better rates by splitting coverages up.

• Pay more by driving carelessly – Having a single citation can bump up the cost twenty percent or more. Careful drivers get better prices compared to drivers with tickets. Drivers unfortunate enough to have careless tickets such as DUI, reckless driving or excessive speeding might be required by their state to submit a SR-22 form with the DMV in their state in order to legally drive a vehicle.

  The diagram below demonstrates how traffic citations and at-fault collisions raise Subaru Impreza car insurance costs for different ages of insureds. The data is based on a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

• Subaru Impreza claim probability – Car insurance companies use past insurance losses to determine a price that will be profitable for them. Vehicles that historically have higher prevalence or dollar amount of losses will have higher rates. The table below shows the historical loss data for Subaru Impreza vehicles.

  For each policy coverage type, the claim probability for all vehicles, without regard to make or model, is represented as 100. Numbers under 100 represent a good loss history, while values that are above 100 indicate frequent claims or an increased chance of a larger loss.

  
  

  Insurance Loss Ratings for Subaru Impreza Vehicles

  Specific Subaru Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Subaru Impreza 4WD	96	80	110	79	78	81

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years