Buying the best cheap coverage for a Subaru Impreza in Florida is pretty easy to do, but it relies on a lot of things such as annual vehicle mileage, your credit history, and driving violations. Drivers in Florida will pay around $1,346 per year to insure their Impreza, but that cost is calculated using a 40-year-old married male driver with full coverage and $250 deductibles.
The issue with using an average estimated rate is the likelihood you aren’t exactly 40 years old or even a male, single instead of married, or maybe you just want different deductibles. Having even a minor difference in the factors used in pricing a policy may result in a big change in the price of a policy.
Auto insurance is unique to each driver, so the best method for finding the cheapest rates for your Subaru is to just take the time to compare rates yourself. Quotes are free and you will be able to see rates from some of the best companies that offer coverage in Florida.
The specific model of Impreza will influence the annual cost of coverage, so the price to insure a Impreza 2.5I 4WD Station Wagon model will be $342 cheaper than the cost to insure the more well-appointed Impreza WRX STI 4WD Station Wagon trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Impreza 2.5I 4WD Station Wagon||$294||$410||$430||$26||$128||$1,288||$107|
|Impreza 2.5I 4WD Station Wagon||$294||$410||$430||$26||$128||$1,288||$107|
|Impreza Outback Sport 4WD Station Wagon||$294||$500||$430||$26||$128||$1,378||$115|
|Impreza 2.5I AWD 4-Dr||$332||$500||$430||$26||$128||$1,416||$118|
|Impreza 2.5I Premium Package AWD 4-Dr||$332||$588||$430||$26||$128||$1,504||$125|
|Impreza WRX 4WD Station Wagon||$332||$588||$430||$26||$128||$1,504||$125|
|Impreza 2.5 GT 4WD Station Wagon||$368||$588||$430||$26||$128||$1,540||$128|
|Impreza WRX AWD 4-Dr||$368||$678||$430||$26||$128||$1,630||$136|
|Impreza 2.5I GT AWD 4-Dr||$368||$678||$430||$26||$128||$1,630||$136|
|Impreza WRX STI 4WD Station Wagon||$368||$678||$430||$26||$128||$1,630||$136|
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific garaging location which can raise or lower premiums substantially.
Establishing which company offers the cheapest auto insurance rates for a Subaru Impreza may require a bit more effort in order to find the lowest price. Each insurer has a unique approach for determining rates in each state, so to begin we’ll rank the auto insurance companies with the overall cheapest rates in Florida.
It’s important to know that Orlando auto insurance rates are influenced by many factors that may substantially change the price you pay. Simply having another birthday, marrying your spouse, or getting a ticket for running a stop sign can produce rate changes that can cause some rates to be affordable when they were higher priced.
Compare Cheap Insurance Quotes for Your Impreza
|Rank||Company||Cost Per Year|
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USAA quotes some of the lowest car insurance rates in Orlando at around $957 a year. Electric, Amica, Progressive, and Allied also are some of the cheaper Orlando, FL car insurance companies.
In this example, if you currently buy coverage from Allied and switched to Electric, you may see yearly savings of about $232. Insureds with Travelers may save as much as $232 a year, and Mercury policyholders might reduce prices by as much as $298 a year.
To find the cheapest coverage for you, click here to start your free quote or visit several of the following companies.
It’s important to note that these premiums are averages for all types of drivers and the different vehicles they drive and do not factor in an exact location for a Subaru Impreza. So the insurer that can offer you the lowest price may not even be in the top 21 companies in the list above. That’s why you need to get car insurance quotes using your own personal information and vehicle type.
The chart below illustrates how your choice of deductibles can affect premium costs when getting quotes for cheap insurance for a Subaru Impreza. The data is based on a married male driver, full physical damage coverage, and no other discounts are factored in.
In the chart above, a 30-year-old driver could lower their car insurance rates by $446 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $674 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, could drop their prices $1,354 annually just by using higher deductibles. If you do make the decision to raise your deductibles, it is a good idea to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Discount Orlando auto insurance
Insurance providers that provide coverage for a Subaru Impreza may additionally offer special discounts that can lower rates by as much as 25% or more if you meet specific criteria. Larger auto insurance companies and their possible discounts can be read below.
- State Farm has discounts for Steer Clear safe driver discount, multiple autos, accident-free, passive restraint, and good student.
- GEICO discounts include emergency military deployment, anti-lock brakes, membership and employees, military active duty, federal employee, multi-vehicle, and good student.
- Progressive offers discounts including homeowner, continuous coverage, multi-vehicle, online signing, good student, multi-policy, and online quote discount.
- 21st Century offers discounts for homeowners, student driver, driver training, automatic seat belts, and early bird.
- American Family may include discounts for air bags, multi-vehicle, accident-free, mySafetyValet, and TimeAway discount.
- The Hartford may offer discounts for driver training, defensive driver, air bag, anti-theft, and bundle.
- AAA may have discounts that include multi-car, pay-in-full, anti-theft, AAA membership discount, education and occupation, and multi-policy.
The illustration below shows the difference between insurance rates with and without policy discounts. The data is based on a male driver, no accidents, no driving violations, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, marriage, accident-free, homeowner, multiple policy, and vehicle safety discounts applied. With discounts applied, theaverage amount saved on auto insurance for a Subaru Impreza is 28% or $747.
Chances are good that you’re overpaying for Impreza insurance
Orlando auto insurance rates are impacted by many things that will increase or decrease the price of your policy. Simply getting older, buying higher coverage limits, or having an at-fault accident can produce rate changes that can now make some companies more affordable than competitors. And not only may your rating factors change, but car insurance companies change their prices without warning in order to be able to pay unexpected claims. An unexpected high level of claims may result in higher rates, while a better loss history can produce lower-cost Impreza insurance rates.
To illustrate this example, the bar chart below compares the cheapest car insurance in Orlando, FL for a 30-year-old female driver with no prior accidents, a clean driving record, and good financial standing. When quoting prices based on her current risk profile, USAA might quote the cheapest car insurance rates in Orlando at $1,203 each year. This is $1,245 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also included in the top five cheapest Orlando, FL auto insurance companies.
Let’s now give the driver from the first set of rates a chargeable claim, a lower credit score, and a blemish on her driving record. Since every insurance provider has their own process to set premium rates, comparing rates could now result in a new list of the cheapest car insurance companies in Orlando as shown below.
USAA now has the best insurance rate in Orlando, FL with Mercury, State Farm, Esurance, and GEICO now being in the top five. This example shows why Florida drivers need to shop around when trying to get the best insurance quotes for a Subaru Impreza.
Prices can be determined by many different factors and change substantially, so the cheapest option the last time you checked may now not even be in the top five.
If you have coverage questions and would like to have a consultation when buying car insurance for a Subaru Impreza, the agents listed below are willing to answer your questions and help you decide which coverage meets your needs best. To find an Orlando insurance agency nearest to you, click the button following the list or click here to compare price quotes now.
GEICO Insurance Agent
5005 E Colonial Dr – Orlando, FL 32803 – (407) 897-7157
Brown and Brown Insurance Agency, Inc.
7009 Dr Phillips Blvd # 280 – Orlando, FL 32819 – (407) 843-7500
Independent Insurance Agents
845 N Fern Creek Ave – Orlando, FL 32803 – (407) 898-0461
How to find the cheapest car insurance for a Subaru Impreza
The list below summarizes some money-saving solutions that can help you get cheaper coverage.
- Prevent rate increases by staying accident-free
- Drivers with good credit often pay less
- Maintain a clean driving record
- Avoid price increases by not filing claims
- Increase your comprehensive and collision deductibles
- Buying car and homeowners insurance together can save money
- Comparison shop frequently
The last idea is certainly valuable, as we stressed in the prior article. Rates vary considerably, so you should be ready to switch companies if you can save money. We understand brand loyalty, but it’s not a good idea if that inflexibility results in costing you lots of hard earned cash every month. It only take a few minutes to compare rates to find cheaper insurance for a Subaru Impreza in Orlando.