Paying for overpriced Subaru Impreza insurance in Columbia can empty your monthly budget and possibly require postponing other expenditures.
It's amazing but most auto insurance policyholders have stayed with the same insurance company for a minimum of four years, and almost half have never even shopped around for cheap coverage. Columbia drivers could save as much as $750 each year by just comparing rate quotes, but they assume it's a waste of time to compare rates online. Insurance companies such as GEICO and Progressive persitently shower you with advertising and it can be hard to see through the deception and find the best price available.
Six discounts for affordable insurance rates
Insurance can be pricey, but you may qualify for discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time of quoting, but occasionally some discounts must be manually applied before you will receive the discount.
- Multiple Policy Discount - If you insure your home and vehicles and insure them with the same company you could save nearly 15% which can help you find low cost Subaru Impreza insurance.
- Federal Employees - Federal government employees may qualify for a discount when you quote Columbia auto insurance with certain companies.
- Own a Home and Save - Owning your own home or condo can save you money because it requires personal responsibility.
- ABS Brakes - Cars and trucks with ABS and/or traction control can reduce accidents and will save you 10% or more on Impreza insurance in Columbia.
- Active Service Discounts - Being deployed with a military unit may lower your premium rates slightly.
- Seat Belts Save more than Lives - Drivers who require all vehicle occupants to buckle up before driving can save a little off the PIP or medical payment premium.
It's important to understand that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you're out of luck.
To find providers who offer insurance discounts in Columbia, click here.
The method we recommend to compare policy rates for Subaru Impreza insurance in Columbia is to know most of the larger companies participate in online systems to compare their rates. All you need to do is provide information like if you're married, your job, how you use your vehicles, and if you went to college. That rating data is automatically sent to many of the top insurers and you get price estimates instantly to find the best rate.
To compare multiple company cheaper Subaru Impreza insurance rates now, click here and enter your coverage details.
The companies shown below are ready to provide price comparisons in Columbia, SC. If more than one company is shown, it's a good idea that you get rates from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Impreza 2.5I 4WD Station Wagon||$196||$270||$352||$20||$106||$944||$79|
|Impreza 2.5I 4WD Station Wagon||$140||$226||$386||$22||$116||$890||$74|
|Impreza Outback Sport 4WD Station Wagon||$226||$436||$358||$22||$108||$1,150||$96|
|Impreza 2.5I AWD 4-Dr||$268||$440||$460||$28||$138||$1,334||$111|
|Impreza 2.5I Premium Package AWD 4-Dr||$286||$644||$386||$22||$116||$1,454||$121|
|Impreza WRX 4WD Station Wagon||$168||$302||$352||$20||$106||$948||$79|
|Impreza 2.5 GT 4WD Station Wagon||$286||$540||$386||$22||$116||$1,350||$113|
|Impreza WRX AWD 4-Dr||$176||$372||$386||$22||$116||$1,072||$89|
|Impreza 2.5I GT AWD 4-Dr||$318||$706||$386||$22||$116||$1,548||$129|
|Impreza WRX STI 4WD Station Wagon||$198||$372||$348||$20||$104||$1,042||$87|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific location which can change price quotes considerably.
Insurance rate increases from tickets or accidents
The information below highlights how speeding tickets and at-fault fender-benders can drive up Subaru Impreza premium costs for different categories of driver ages. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
Does it make sense to buy full coverage?
The diagram below shows the comparison of Subaru Impreza insurance rates with and without full coverage. The price estimates are based on a clean driving record, no claims, $100 deductibles, single male driver, and no additional discounts are factored in.
When to stop buying full coverage
There is no clear-cut formula of when to phase out comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let's assume your Subaru Impreza settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $5,000 after the policy deductible has been paid. If it's costing you more than $500 annually to have full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where only buying liability is not a good idea. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not remove full coverage.
Which is the best auto insurance?
When choosing your policy, there really is no "perfect" insurance plan. Your needs are unique to you.
For instance, these questions can help discover if your insurance needs will benefit from professional help.
- Am I covered if I crash into my own garage door?
- How can I get my company to pay me more for my totalled car?
- Why do I have to buy liability insurance?
- Do I have coverage if my license is suspended?
- Where can I find DUI or SR-22 insurance?
- Should I waive the damage coverage when renting a car?
If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don't have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.
Car insurance agents can find coverage gaps
Many drivers would prefer to buy from a licensed agent and that is not a bad decision Most agents will help you protect your assets and help file insurance claims. One of the great benefits of comparing rates online is that you can obtain better rates and still have a local agent.
After filling out this form (opens in new window), the quote information gets sent to agents in your area that provide free Columbia auto insurance quotes for your insurance coverage. You never need to do any legwork since rate quotes are delivered straight to your inbox. If you wish to get a price quote from a specific company, you just need to jump over to their website and complete a quote there.
Picking the best company is decision based upon more than just a low price. Before buying a policy in Columbia, get answers to these questions.
- Does the company allow you to choose your own collision repair facility?
- Do they offer rental car reimbursement?
- How much will you save each year by using a higher deductible?
- Does the agency have a positive business rating?
- Is there any savings for paying the full premium?
- Does the agency support the community they serve?
- What kind of financial rating does the company have?
- Does the agency have a current Errors and Omissions policy?
When looking for a reliable agent, there are two different types of agents and how they are distinctly different. Insurance policy providers are either independent agents or exclusive agents. Either can sell and service insurance coverage, but it is important to understand how they differ since it may influence your agent selection.
Exclusive Insurance Agencies
These agents normally can only provide a single company's rates and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to compare other company's rates so always compare other rates. Exclusive agents receive a lot of sales training on their company's products and that allows them to sell at a higher price point.
Listed below are Columbia exclusive agents who may provide you with comparison quotes.
Charles Piercy - State Farm Insurance Agent
7626 US-1 - Columbia, SC 29223 - (803) 788-1200 - View Map
Independent Insurance Agencies
These type of agents do not write with just one company so as a result can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can switch companies and you don't have to do anything. When comparison shopping, we highly recommend that you check rates from at a minimum one independent agency to get the most accurate price comparison.
Below are Columbia independent agencies willing to provide price quotes.
After getting good feedback to these questions and a good coverage price, it's possible that you found a car insurance agent that is reputable and can properly service your insurance policy. Keep in mind consumers can cancel your coverage whenever you choose to so don't feel that you are permanently stuck with any specific agency for the entire policy term.
Three reasons to not skimp on auto insurance
Even though Columbia Impreza insurance rates can get expensive, maintaining insurance serves several important purposes.
First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability coverage in order to license the vehicle. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your vehicle, it's most likely the lender will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you do not keep the policy in force, the lender will be forced to insure your Subaru for a much higher rate and require you to fork over for the expensive policy.
Third, auto insurance protects not only your Subaru but also your financial assets. It will also pay for medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of carrying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. The average driver in America overpays as much as $855 a year so we recommend shopping around at every policy renewal to make sure the price is not too high.
Coverages available on your car insurance policy
Learning about specific coverages of your car insurance policy aids in choosing which coverages you need for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.
Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things like repair bills for other people's vehicles, repair costs for stationary objects, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford. South Carolina requires minimum liability limits of 25/50/25 but it's recommended drivers buy higher limits.
Collision coverage covers damage to your Impreza from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like sustaining damage from a pot hole, backing into a parked car, crashing into a building, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Impreza to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM)
This provides protection from other motorists when they are uninsured or don't have enough coverage. Covered losses include injuries to you and your family as well as your vehicle's damage.
Since a lot of drivers have only the minimum liability required by law (25/50/25 in South Carolina), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.
This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like damage from a tornado or hurricane, rock chips in glass, theft and falling objects. The most you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for immediate expenses like surgery, funeral costs, prosthetic devices, rehabilitation expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Don't give up on affordable rates
Insureds leave their current company for a variety of reasons including not issuing a premium refund, denial of a claim, extreme rates for teen drivers or even questionable increases in premium. Regardless of your reason, choosing a new company can be easier than you think.
When searching for cheaper Columbia auto insurance quotes, it's not a good idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut physical damage coverage only to find out that the small savings ended up costing them much more. Your goal should be to find the BEST coverage for the lowest cost and still be able to protect your assets.
We just presented a lot of tips how to compare Subaru Impreza insurance car insurance rates in Columbia. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable Columbia auto insurance quotes. Consumers may even find the biggest savings come from some of the smallest insurance companies.
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