Auto Insurance Quotes for a Subaru Impreza in Riverside

The preferred way to get affordable Subaru Impreza insurance is to compare prices once a year from providers in Riverside. You can compare prices by following these steps.

1. Take a few minutes and learn about how auto insurance works and the steps you can take to keep rates low. Many policy risk factors that cause high rates like accidents, traffic tickets, and poor credit history can be improved by being financially responsible and driving safely. This article gives more details to help prevent costly coverage and find hidden discounts.
2. Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide prices from multiple companies.
3. Compare the new quotes to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
4. Provide proper notification to your current company of your intention to cancel the current policy. Submit a completed application and payment to the new insurer. Once received, put the new certificate verifying proof of insurance in your glove compartment.

A crucial key to this process is to make sure you enter similar coverage information on every quote request and and to compare as many different insurance providers as possible. This provides the most accurate price comparison and a thorough price selection.

Unbelievable but true, the vast majority of auto insurance customers have stayed with the same insurance company for well over three years, and approximately 38% of consumers have never compared rate quotes at all. Consumers in Riverside could pocket $469 a year by just shopping around, but they don’t understand how simple it is to find cheaper insurance by shopping around.

If you currently have auto insurance, you will surely be able to find the best rates using the ideas you’re about to read. The purpose of this post is to teach you a little about how car insurance companies work and also pocket some savings Nevertheless, California consumers must comprehend how companies set your policy premium.

Discount Riverside insurance rates

Insurance can be prohibitively expensive, but you might find some hidden discounts that could help you make your next renewal payment. Certain credits will be shown at the time of quoting, but some discounts are required to be asked about before you will receive the discount.

• Professional Organizations – Belonging to a professional or civic organization is a simple method to lower premiums when getting a Riverside auto insurance quote.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
• Pay Early and Save – By making one initial payment instead of paying each month you may have a lower total premium amount.
• Bundled Policy Discount – When you have multiple policies with the same company you will save over 10 percent off each policy depending on the company.
• Waiver for an Accident – This one is not really a discount per se, but companies like Allstate, Progressive, and GEICO permit an accident without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
• Early Renewal Discounts – A few insurance companies give discounts for switching to them early. Ten percent is about the average savings.
• Discounts for Multiple Vehicles – Insuring all your vehicles on one policy can get a discount on all vehicles.
• Military Rewards – Having a deployed family member could trigger a small discount.
• Discount for New Cars – Insuring a vehicle that is new can save up to 30% because newer vehicles are generally safer.

It’s important to note that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The chart below shows the difference between Subaru Impreza premium costs with and without discounts applied to the rates. The prices are based on a male driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, safe-driver, multi-policy, and multi-car discounts applied.

Larger insurance companies and a partial list of their discounts are shown below.

• Progressive may offer discounts for multi-vehicle, homeowner, continuous coverage, online signing, good student, multi-policy, and online quote discount.
• Farmers Insurance may include discounts for pay in full, teen driver, multi-car, homeowner, electronic funds transfer, and youthful driver.
• Farm Bureau offers discounts including multi-vehicle, multi-policy, safe driver, good student, and driver training.
• State Farm has savings for accident-free, good driver, multiple autos, anti-theft, student away at school, driver’s education, and multiple policy.
• GEICO offers premium reductions for five-year accident-free, military active duty, good student, anti-theft, and membership and employees.
• SAFECO may have discounts that include multi-car, drive less, accident prevention training, safe driver, anti-lock brakes, anti-theft, and homeowner.
• Liberty Mutual discounts include new vehicle discount, exclusive group savings, safety features, hybrid vehicle, newly married, and multi-policy.

If you need inexpensive Riverside auto insurance quotes, ask each insurance company the best way to save money. All car insurance discounts may not apply to policyholders in Riverside. To see a list of providers who offer insurance discounts in Riverside, click here.

The quickest method to compare policy rates for Subaru Impreza insurance in Riverside is to know most insurance companies participate in online systems to quote your coverage. All consumers are required to do is give them some information including whether you have decent credit, if you require a SR-22, whether you are single or married, and the year, make and model of vehicles. That rating data is automatically sent to many of the top insurers and they provide comparison quotes with very little delay.

To get price quotes for your Subaru Impreza now, click here and complete the form.

The companies shown below are ready to provide free quotes in Riverside, CA. If several companies are displayed, we suggest you visit as many as you can in order to get a fair rate comparison.

Insurance coverage analysis

The premium information displayed next showcases detailed analysis of coverage costs for Subaru Impreza models. Being able to understand how auto insurance policy rates are figured can help customers make informed purchases.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in Riverside location which can impact rates significantly.

Choosing deductibles

One common question asked by Riverside drivers is at what level do you set your deductibles. The data tables below may aid in understanding the difference in cost between high and low coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in Riverside location which can increase or decrease insurance rates considerably.

We can estimate from the data above that using a $100 deductible would cost the average driver about $33 more each month or $396 every year than selecting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 12 months between claims, you would probably save some money if you opt for a higher deductible.

The information below demonstrates how choosing different deductibles and can impact Subaru Impreza premium costs for each age group. The premiums assume a married male driver, comp and collision included, and no discounts are taken into consideration.

Full coverage or liability only

The chart below compares Subaru Impreza yearly insurance costs with full coverage compared to only the California minimum liability coverage. The costs are based on no violations or claims, $1,000 deductibles, marital status is single, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no definitive formula to eliminate physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s pretend your Subaru Impreza book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after paying your deductible. If premium cost is more than $600 annually to have full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Smart Choices Result in Lower Insurance Premiums

Multiple criteria are part of the equation when you get a price on insurance. Some are obvious such as your driving record, but others are more transparent such as whether you are married and annual miles driven. An important part of buying insurance is that you know some of the factors that help calculate car insurance rates. If you have some idea of what controls the rates you pay, this enables informed choices that can earn you better car insurance rates.

The following are some of the things that factor into premiums.

• Better rates on cars with good safety ratings – Safer cars tend to have better insurance rates. Vehicles built for safety protect occupants better and fewer serious injuries translates into savings for insurance companies which can result in lower premiums.
• Rates and vocation – Jobs such as fire fighters, police officers, and miners tend to pay higher premium rates due to high stress and long work hours. On the other hand, careers like actors, engineers and performers have the lowest average rates.
• Credit history impacts premium prices – Your credit history is a large factor in determining what you pay. Insureds with excellent credit scores tend to file fewer claims than drivers with poor credit. So if your credit rating can use some improvement, you could potentially save money when insuring your Subaru Impreza by improving your credit score.

• Tickets mean higher costs – Whether or not you get tickets influences premium rates substantially. Drivers with clean records receive lower rates than their less careful counterparts. Having just one speeding ticket or other violation can increase the cost of insurance forty percent or more. People who have flagrant citations like DUI or willful reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.

  The example below demonstrates how citations and at-fault accidents influence Subaru Impreza insurance prices for different categories of driver ages. The costs are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

• Subaru Impreza insurance loss statistics – Insurers use data from past claims to help determine the price you pay. Models that tend to have higher losses will cost more to insure.

  The next table illustrates the insurance loss data for Subaru Impreza vehicles. For each policy coverage, the statistical loss for all vehicles, regardless of make or model, is represented as 100. Numbers under 100 indicate a favorable loss history, while values that are above 100 show a trend for more claims or tendency to have larger claims.

  
  

  Subaru Impreza Insurance Claim Statistics

  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

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

Do I need an insurance agent?

A lot of people still like to get professional advice from a licensed agent and doing so can bring peace of mind A good thing about getting online price quotes is you can get cheap auto insurance rates and still have an agent to talk to.

For easy comparison, once you complete this quick form, your coverage information is sent to insurance agents in Riverside who will give you quotes for your insurance coverage. You won’t even need to search for an agent because quoted prices will be sent immediately to you. You can find better rates without the usual hassles of price shopping. If you need to compare rates from one company in particular, feel free to search and find their rate quote page and fill out their quote form.

Finding a good provider should include more criteria than just a cheap price quote. Any agent in Riverside should have no problem answering these questions:

• If they are an independent agency in Riverside, which companies do they recommend?
• How many companies do they write for?
• Is the agency active in community causes in Riverside?
• Has the agent ever had any license suspensions?
• Are claims handled at the agent’s location?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Are they involved in claim handling?
• Do they review policy coverages at every renewal?

Choose an insurance agent wisely

If you are searching for a good insurance agency, it helps to know the two types of insurance agents from which to choose. Agents in Riverside are classified as either exclusive agents or independent agents.

Exclusive Agencies

Exclusive agencies can only place business with one company and some examples include Allstate and State Farm. They usually cannot compare rates from other companies so they really need to provide good service. These agents are very knowledgeable on what they offer which helps them compete with independent agents. Some people will only use the same agent mostly because of loyalty to the company instead of buying on price only.

Below are exclusive insurance agents in Riverside willing to provide price quote information.

• Mike Orme – State Farm Insurance Agent
  10452 Magnolia Ave – Riverside, CA 92505 – (951) 688-8206 – View Map
• Farmers Insurance: Edward Lavalle
  19318 Jesse Ln Ste 200 – Riverside, CA 92508 – (951) 222-3038 – View Map
• GEICO Insurance Agent
  2711 Canyon Springs Parkway, Suite A-104 – Riverside, CA 92507 – (951) 786-9477 – View Map

More Riverside agents

Independent Agents

Agents that elect to be independent do not sell for just one brand and that is an advantage because they can write policies with many different companies and find you cheaper rates. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.

When comparison shopping, we recommend you compare quotes from a few independent agents for the best price selection. A lot of them also have access to smaller mutual companies which can be an advantage.

Below is a list of independent agencies in Riverside that can give you price quote information.

• Mey’s Insurance Services
  5586 Mission Boulevard – Riverside, CA 92509 – (951) 684-0494 – View Map
• Dashers Insurance Riverside
  10066 Magnolia Ave – Riverside, CA 92503 – (951) 689-2445 – View Map
• Preferred Insurance
  3501 Adams St – Riverside, CA 92504 – (951) 689-4830 – View Map

More Riverside agents

Here’s why car insurance is not optional

Despite the fact that car insurance is not cheap in Riverside, insuring your vehicle may not be optional for several reasons.

• Most states have compulsory liability insurance requirements which means the state requires a minimum amount of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Subaru has a lienholder, more than likely the lender will require that you carry insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender will be forced to insure your Subaru for a lot more money and require you to reimburse them much more than you were paying before.
• Insurance protects both your Subaru and your personal assets. Insurance will also pay for most medical and hospital costs incurred in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense in the event you are sued. If your Subaru gets damaged, your policy will pay to restore your vehicle to like-new condition.

The benefits of buying car insurance outweigh the cost, especially if you ever need it. Unknowingly, the average driver overpays as much as $865 each year so it’s important to compare rates at least once a year to save money.

Affordable auto insurance premiums are possible

Insureds leave their current company for many reasons like policy non-renewal, high prices, questionable increases in premium or even poor customer service. Regardless of your reason for switching companies, switching auto insurance companies is pretty easy and you might even save some money in the process.

When searching for affordable Riverside auto insurance quotes, it’s not a good idea to buy poor coverage just to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

Lower-priced auto insurance in Riverside can be found both online as well as from independent agents in Riverside, and you should compare price quotes from both to have the best rate selection. A few companies may not provide the ability to get quotes online and many times these regional carriers provide coverage only through local independent agents.

Additional learning opportunities

• Auto Insurance Learning Center (State Farm)
• How Much are Car Insurance Rates for a Nissan Altima in Riverside? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Young Drivers in Riverside? (FAQ)
• Avoiding Deer Collisions (Insurance Information Institute)
• Five Mistakes to Avoid (Insurance Information Institute)
• Safety Belts FAQ (iihs.org)