Compare Subaru Impreza Insurance Quotes in Arlington

Insurance rates Subaru Impreza in ArlingtonWant to know an easy way to compare cheaper Subaru Impreza insurance in Arlington? Getting the most affordable Arlington Subaru Impreza insurance quotes is overwhelming for beginners to comparison shopping on the web. With such a large number of online companies available, how are consumers able to effectively compare the different rates to find cheaper insurance prices?

How to quote cheaper Subaru Impreza insurance in Arlington

If you want to find the absolute lowest rates, then the best way to get budget Subaru Impreza insurance in Arlington is to make a habit of comparing prices annually from insurers in Texas. You can shop around by following these steps.

  1. Get a basic knowledge of how auto insurance works and the things you can control to prevent rate increases. Many rating factors that result in higher rates such as tickets, at-fault accidents, and a not-so-good credit history can be remedied by making minor changes in your lifestyle. Read the full article for instructions to help keep prices low and get discounts that may be available to you.
  2. Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO or State Farm, while independent agents can provide rate quotes from multiple sources.
  3. Compare the quotes to the price on your current policy to see if you can save by switching companies. If you find better rates and buy the policy, make sure there is no lapse in coverage.
  4. Provide adequate notice to your current company of your intent to cancel your existing policy and submit a down payment and signed policy application to your new carrier. Don’t forget to put the new certificate verifying coverage in a readily accessible location in your vehicle.

One key aspect when comparing rates is to try to use the same level of coverage on every quote and and to compare as many companies as possible. Doing this guarantees a level playing field and a thorough price selection.

A recent NerdWallet.com study revealed that nearly 70% of Texas drivers have been with the same company for a minimum of four years, and just under half have never quoted rates to find lower-cost coverage. With the average premium in the U.S. being $1,847, drivers can cut their rates by as much as $850 a year by just comparing quotes, but they don’t understand how simple it is to find lower-cost rates by getting comparison quotes.

Cheap companies for Subaru Impreza insurance in Texas

The car insurance companies shown below can provide comparison quotes in Texas. If your goal is to find the cheapest car insurance in Arlington, TX, we recommend you visit several of them to get the most affordable price.

Insurance rate breakdown

The premium table shown below showcases estimates of insurance prices for Subaru Impreza models. Learning a little about how auto insurance prices are formulated can be valuable when making smart buying decisions.


Subaru Impreza Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $140 $212 $358 $22 $108 $840 $70
Impreza 2.5I 4WD Station Wagon $140 $212 $358 $22 $108 $840 $70
Impreza Outback Sport 4WD Station Wagon $140 $260 $358 $22 $108 $888 $74
Impreza 2.5I AWD 4-Dr $158 $260 $358 $22 $108 $906 $76
Impreza 2.5I Premium Package AWD 4-Dr $158 $306 $358 $22 $108 $952 $79
Impreza WRX 4WD Station Wagon $158 $306 $358 $22 $108 $952 $79
Impreza 2.5 GT 4WD Station Wagon $176 $306 $358 $22 $108 $970 $81
Impreza WRX AWD 4-Dr $176 $352 $358 $22 $108 $1,016 $85
Impreza 2.5I GT AWD 4-Dr $176 $352 $358 $22 $108 $1,016 $85
Impreza WRX STI 4WD Station Wagon $176 $352 $358 $22 $108 $1,016 $85
Get Your Own Custom Quote Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific location which can change auto insurance rates considerably.

Rate comparison for different deductibles

When comparing car insurance rates, the most common question is how high should the physical damage coverage deductibles be. The rates below can help you understand the costs and benefits between low and high deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.


Subaru Impreza insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $294 $408 $382 $22 $114 $1,245 $104
Impreza 2.5I 4WD Station Wagon $294 $408 $382 $22 $114 $1,245 $104
Impreza Outback Sport 4WD Station Wagon $294 $496 $382 $22 $114 $1,333 $111
Impreza 2.5I AWD 4-Dr $332 $496 $382 $22 $114 $1,371 $114
Impreza 2.5I Premium Package AWD 4-Dr $332 $584 $382 $22 $114 $1,459 $122
Impreza WRX 4WD Station Wagon $332 $584 $382 $22 $114 $1,459 $122
Impreza 2.5 GT 4WD Station Wagon $370 $584 $382 $22 $114 $1,497 $125
Impreza WRX AWD 4-Dr $370 $672 $382 $22 $114 $1,585 $132
Impreza 2.5I GT AWD 4-Dr $370 $672 $382 $22 $114 $1,585 $132
Impreza WRX STI 4WD Station Wagon $370 $672 $382 $22 $114 $1,585 $132
Get Your Own Custom Quote Go

Subaru Impreza insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $240 $328 $382 $22 $114 $1,086 $91
Impreza 2.5I 4WD Station Wagon $240 $328 $382 $22 $114 $1,086 $91
Impreza Outback Sport 4WD Station Wagon $240 $400 $382 $22 $114 $1,158 $97
Impreza 2.5I AWD 4-Dr $270 $400 $382 $22 $114 $1,188 $99
Impreza 2.5I Premium Package AWD 4-Dr $270 $472 $382 $22 $114 $1,260 $105
Impreza WRX 4WD Station Wagon $270 $472 $382 $22 $114 $1,260 $105
Impreza 2.5 GT 4WD Station Wagon $300 $472 $382 $22 $114 $1,290 $108
Impreza WRX AWD 4-Dr $300 $542 $382 $22 $114 $1,360 $113
Impreza 2.5I GT AWD 4-Dr $300 $542 $382 $22 $114 $1,360 $113
Impreza WRX STI 4WD Station Wagon $300 $542 $382 $22 $114 $1,360 $113
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in specific location information which can raise or lower prices considerably.

Based on the figures above, using a $250 deductible costs approximately $16 more each month or $192 a year across all Subaru Impreza models than choosing the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 16 months between claims, you would probably come out ahead by selecting a higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $120
Average monthly premium for $500 deductibles (subtract): – $104
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important issue to know is that a higher deductible means you will have to cover more of the damage yourself if you have a claim. You need enough savings in order to pay the deductible.

Accidents and violations increase rates

The chart below illustrates how traffic citations and fender-benders can raise Subaru Impreza insurance costs for different age groups of insureds. The data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

Car insurance premiums based on gender

The diagram below illustrates the difference between Subaru Impreza insurance rates for male and female drivers. The rates are based on no claims or violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are factored in.

Full coverage versus liability-only in Arlington

The information below illustrates the comparison of Subaru Impreza insurance costs when comparing full coverage to liability only. The data assumes no accidents or driving violations, $500 deductibles, drivers are not married, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no definitive guideline for dropping physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your Subaru Impreza replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after the deductible is paid. If you are currently paying more than $600 annually to have full coverage, then it might be time to buy liability only.

There are some conditions where buying only liability insurance is not advised. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Car insurance discounts are available to get cheap rates

Auto insurance companies don’t necessarily list every discount available very well, so we researched some of the best known and the harder-to-find ways to save on car insurance.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

The example below compares Subaru Impreza auto insurance costs with and without some available policy discounts. The premiums are based on a female driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, safe-driver, homeowner, and multi-policy discounts applied.

A few companies that may offer these benefits include:

Before you buy a policy, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area.

When should I discuss my situation with an agent?

When buying coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help you determine if your insurance needs might need professional guidance.

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Can’t I compare prices from local Arlington insurance agents?

Some people just prefer to sit down with an agent and doing so can bring peace of mind A nice benefit of comparing rates online is you can get better rates and also buy local.

After filling out this quick form, your information is immediately sent to agents in your area who will gladly provide quotes for your coverage. There is no reason to search for any insurance agencies due to the fact that quote results will go to you instantly. You can find lower rates without requiring a lot of work. If you want to compare prices from a specific auto insurance provider, you just need to find their quoting web page and fill out the quote form the provide.

Choosing the best insurance company requires more thought than just the bottom line cost. The answers to these questions are important, too.

Different types of car insurance agents in Arlington

If you are wanting to purchase auto insurance from a reputable insurance agent or broker, there are a couple of different agency structures and how they are slightly different. Arlington agents are considered either independent agents or exclusive agents depending on their employer.

Exclusive Agents

These agents can only place business with one company and examples are AAA, Allstate, and State Farm. They generally cannot provide other company’s prices so they have no alternatives for high prices. They are very knowledgeable on what they offer and that allows them to sell at a higher price point. Consumers often use the same exclusive agent primarily because of high brand loyalty and the convenience of having all coverages with one company.

Below are exclusive insurance agents in Arlington that can give you price quote information.

More insurance agents

Independent Auto Insurance Agencies

Agents that choose to be independent are normally appointed by many insurers so they have the ability to put coverage with many different companies and help determine which has the cheapest rates. If your premiums go up, they simply move your policy to a different company and you don’t have to switch agencies.

When shopping rates, you definitely need to get insurance quotes from at least one independent agent for maximum quote selection. Many can place coverage with mutual insurance companies that may provide cheaper auto insurance rates.

Shown below are independent insurance agents in Arlington that are able to give price quote information.

More insurance agents

What is the best auto insurance company in Texas?

Ending up with the highest-rated company can be challenging considering how many different companies there are to choose from in Arlington. The company information listed below can help you choose which car insurance companies to look at purchasing coverage from.

Top 10 Arlington Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Arlington Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Insurance coverages 101

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from getting keyed, theft, vandalism and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses like chiropractic care, prosthetic devices, X-ray expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance covers damage to your Impreza resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, sideswiping another vehicle, colliding with another moving vehicle, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible on your Impreza to bring the cost down.

Liability

This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 30/60/25 which means $30,000 in coverage for each person’s injuries, $60,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as structural damage, medical expenses, pain and suffering and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford. Texas requires minimum liability limits of 30/60/25 but drivers should carry more liability than the minimum.

The chart below shows why buying minimum limits may not be enough coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law (which is 30/60/25), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

One last note

When searching for low cost Arlington auto insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice full coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to find the BEST coverage at the best price while still protecting your assets.

Cheap Subaru Impreza insurance in Arlington can be found online and from local agencies, so you should compare both to have the best selection. Some insurance companies do not provide the ability to get a quote online and many times these smaller companies only sell coverage through independent agents.

Drivers change insurance companies for a number of reasons such as denial of a claim, poor customer service, delays in paying claims and unfair underwriting practices. It doesn’t matter what your reason, finding the right car insurance provider is not as hard as you think.

Steps to finding better rates for Subaru Impreza insurance in Arlington

The easiest way to find affordable Subaru Impreza insurance is to start comparing rates regularly from companies that insure vehicles in Arlington. Rates can be compared by following these guidelines.

  1. Get a basic knowledge of car insurance and the modifications you can make to drop your rates. Many rating criteria that result in higher rates like multiple speeding tickets and an unacceptable credit score can be improved by paying attention to minor details.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can quote rates for many different companies. Begin your rate comparison
  3. Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you can save money and make a switch, make sure coverage is continuous and does not lapse.
  4. Provide adequate notice to your current company of your decision to cancel your current policy. Submit a down payment along with a signed application for the new coverage. As soon as you receive it, place the new proof of insurance certificate in an easily accessible location in your vehicle.

One important bit of advice is that you use identical deductibles and limits on each price quote and and to get rates from every company you can. Doing this helps ensure an apples-to-apples comparison and the best rate selection.

Additional detailed information can be found by following these links: