Cheap Jacksonville Subaru Impreza Insurance

Did a good deal turn out to be overpriced Subaru Impreza insurance in Jacksonville? It’s a common feeling and there are a lot of people in Jacksonville just like you who feel imprisoned by their auto insurance policy.

Everyone knows that car insurance companies don’t want policyholders to compare prices from other companies. Drivers who compare price quotes will, in all likelihood, buy a different policy because there is a good chance of finding a policy with more affordable rates. A recent auto insurance study revealed that people who routinely shopped for cheaper coverage saved on average $860 a year as compared to drivers who don’t make a habit of comparing rates.

If finding the most affordable auto insurance in Jacksonville is why you’re reading this, then learning a little about the best ways to find and compare insurance rates can save money and time.

How to find better rates for Subaru Impreza insurance in Jacksonville

If saving the most money is your goal, then the best way to get discount Subaru Impreza insurance is to start doing an annual price comparison from companies who sell insurance in Jacksonville.

Step 1: Get a basic knowledge of the different coverages in a policy and the factors you can control to prevent rate increases. Many rating criteria that cause high rates such as careless driving and a poor credit rating can be controlled by making lifestyle changes or driving safer.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while agents who are independent can provide prices for a wide range of companies.

Step 3: Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find better rates, make sure there is no lapse in coverage.

One thing to point out is to make sure you enter the same amount of coverage on every price quote and and to get rate quotes from as many different insurance providers as possible. Doing this guarantees the most accurate price comparison and a complete rate analysis.

Drivers have many insurers to insure vehicles with, and although it’s a good thing to have a selection, it can be more difficult to compare rates and find the lowest cost auto insurance.

Lower rates by qualifying for discounts

Insurance is easily one of your largest bills, but you might be missing out on some discounts that you may not even know about. Certain discounts will be triggered automatically when you get a quote, but some need to be manually applied before you will receive the discount.

• Theft Deterrent – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Jacksonville car insurance quote.
• Save over 55 – Older drivers may qualify for a small decrease in premiums.
• Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less than their less cautious counterparts.
• Driver’s Education for Students – Teen drivers should successfully take a driver’s education course in school or through a local driver safety program.
• Driving Data Discount – Jacksonville drivers who agree to allow their company to study their driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
• Save with More Vehicles Insured – Buying coverage for multiple vehicles on the same insurance policy could earn a price break for each car.

As is typical with insurance, most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

The illustration below shows the difference between Subaru Impreza insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no claims or driving citations, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, multi-car, safe-driver, and marriage discounts applied.

Larger insurance companies and the discounts they provide are:

• GEICO offers discounts including emergency military deployment, membership and employees, federal employee, military active duty, and five-year accident-free.
• MetLife may offer discounts for accident-free, defensive driver, good driver, multi-policy, and good student.
• Progressive policyholders can earn discounts including continuous coverage, online signing, online quote discount, good student, homeowner, and multi-vehicle.
• Travelers offers premium reductions for good student, home ownership, save driver, multi-policy, and IntelliDrive.
• SAFECO may have discounts that include anti-lock brakes, bundle discounts, accident prevention training, teen safety rewards, and anti-theft.
• AAA discounts include good driver, anti-theft, good student, multi-policy, pay-in-full, AAA membership discount, and multi-car.

When quoting, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts might not be offered in your area. If you would like to see a list of providers who offer insurance discounts in Florida, click this link.

All the larger auto insurance companies provide coverage price quotes on their websites. The process is very simple as you just type in your personal and coverage information into a form. When complete, the quote system collects reports for credit and driving violations and returns a price quote based on many factors. This makes it simple to compare prices and it is imperative to compare as many rates as possible if you want to find the cheapest auto insurance rates.

To compare pricing, compare rates from the companies below. If you have coverage now, it’s recommended you type in the insurance coverages identical to your current policy. This way, you’re receiving an apples-to-apples comparison based on identical coverages.

The auto insurance companies shown below are ready to provide free rate quotes in Jacksonville, FL. If multiple companies are shown, we suggest you visit several of them in order to find the most competitive rates.

Rates and other information

The premium table displayed next covers detailed analysis of prices for Subaru Impreza models. Having a better understanding of how insurance policy rates are calculated can aid in making decisions on the best policy coverages.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate information does not factor in vehicle location which can change coverage rates substantially.

Auto insurance deductibles

One of the more difficult decisions when buying auto insurance is how low should you set your deductibles. The tables below summarize how much more you’ll pay between high and low comp and collision deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific garaging location which can revise price quotes significantly.

We can derive from the above data that using a $250 deductible costs an average of $18 more each month or $216 a year averaged for all Impreza models than selecting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have more than 14 months between claims, you would probably be better off by selecting a higher deductible.

The example below illustrates how your deductible choice and can raise or lower Subaru Impreza insurance costs for different age categories. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied.

Insurance rate increases from tickets or accidents

The example below highlights how speeding tickets and accidents can raise Subaru Impreza insurance costs for different age groups. The premium estimates are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied.

Jacksonville Insurance Costs are Influenced by These Factors

Many things are taken into consideration when premium rates are determined. Some factors are common sense such as your driving record, although some other factors are less obvious like your continuous coverage and annual miles driven. When buying insurance it’s important to understand a few of the rating criteria that come into play when calculating your insurance rates. When consumers understand what controls the rates you pay, this helps enable you to make changes that can earn you cheaper rates.

The factors shown below are some of the items insurance companies consider when setting your prices.

• No coverage gaps is important – Driving without insurance is illegal and companies may charge more for letting your insurance lapse for non-payment. In addition to paying higher premiums, being ticketed for driving with no insurance may earn you fines and jail time.
• Do you know your physical damage deductibles? – Deductibles for physical damage represent how much money you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply could be collision with another vehicle, fire damage, or theft of your vehicle. The more of the claim you are required to pay out-of-pocket, the better rate you will receive.
• Extra coverages push up prices – There are quite a few optional add-on coverages that can waste your money on your Impreza policy. Add-on coverages like replacement cost coverage, accident forgiveness, and term life insurance are examples of these. They may sound like good ideas when deciding what coverages you need, but your needs may have changed so eliminate them to save money.
• Your vocation can affect prices – Occupations like judges, social workers, and medical professionals usually pay higher premium rates attributed to high stress and lengthy work days. On the flip side, careers like farmers, athletes and the unemployed generally pay rates lower than average.
• Vehicle theft costs us all – Buying a car with advanced anti-theft systems can help lower your rates. Systems that thwart thieves such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your car from being stolen.
• Infrequent drivers can save – The more you drive each year the higher your rate. A lot of companies charge to insure your cars partially by how you use the vehicle. Cars used primarily for pleasure use get more affordable rates compared to those used for work or business. Incorrect rating for your Impreza may be costing you. Verify your policy states annual mileage, because it can save money.
• Get hitched and get better premiums – Your spouse helps lower the price when buying insurance. Marriage is viewed as being more financially stable and insurance companies like that married drivers tend to have fewer serious accidents.
• Liability coverage – The liability section of your policy is the protection if you are ruled to be at fault for causing personal injury or damage in an accident. Liability provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

• Subaru Impreza insurance loss statistics – Insurance companies factor in insurance loss information as a way to help calculate a profitable premium rate. Vehicles that have increased losses will have a higher cost to insure.

  The table below demonstrates the actual insurance loss data for Subaru Impreza vehicles. For each policy coverage type, the claim amount for all vehicles compiled together is represented as 100. Numbers that are below 100 suggest a better than average loss history, while numbers above 100 point to more claims or an increased probability 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

Local Jacksonville insurance agents and auto insurance

Certain consumers would rather get advice from a local agent and doing that can be a smart decision Insurance agents can answer important questions and help in the event of a claim. One of the benefits of comparing auto insurance online is you may find lower rates but also keep your business local.

Once you complete this quick form, your coverage information is sent to participating agents in Jacksonville who will return price quotes for your auto insurance coverage. It makes it easy because there is no need to contact an agency since price quotes are sent directly to you. If you need to get a price quote for a specific company, you can always find their quoting web page to submit a rate quote request.

Picking a provider requires more thought than just the premium amount. Agents should be asked these questions:

• Will the company cover a rental car if your car is getting fixed?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Do the coverages you’re quoting properly cover your vehicle?
• What are the financial ratings for the companies they represent?
• Does the agency support the community they serve?

If you want to use a reputable insurance agent or broker, you should know the different agency structures and how they differ in how they can insure your vehicles. Insurance agencies in Jacksonville are classified as either independent agents or exclusive agents depending on their employer. Either type can properly insure your vehicles, but it’s important to point out how they are different because it can impact which agent you choose.

Exclusive Agents

Agents that choose to be exclusive have only one company to place business with and some examples include AAA, Allstate, and State Farm. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. These agents receive a lot of sales training on their company’s products which helps them compete with independent agents.

Listed below is a list of exclusive insurance agents in Jacksonville that can give you price quote information.

More Jacksonville agents

Independent Insurance Agents

Independent agencies are not employed by one company and that enables them to quote your coverage with an assortment of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.

When comparing auto insurance rates, it’s a good idea to compare prices from independent agents to get the most accurate price comparison.

Shown below is a list of independent agencies in Jacksonville that are able to give rate quotes.

More Jacksonville agents

After talking to the agent and getting acceptable answers to any questions you may have and locked in a price quote, you may have found an insurance agent that meets the criteria to properly insure your vehicles.

Car insurance does more than just protect your car

Despite the fact that car insurance is not cheap in Jacksonville, paying for car insurance serves several important purposes.

• Almost all states have compulsory liability insurance requirements which means the state requires specific limits of liability insurance in order to license the vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Subaru Impreza with a loan, it’s most likely the lender will require you to buy full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Subaru at an extremely high rate and force you to reimburse them much more than you were paying before.
• Insurance safeguards both your car and your assets. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of carrying enough insurance definitely exceed the cost, particularly for liability claims. According to a 2015 survey, the average American driver is wasting up to $865 each year so compare quotes from several companies every year to save money.

Persistence is the key to cheaper rates

We just showed you quite a bit of information on how to lower your Subaru Impreza insurance rates in Jacksonville. It’s most important to understand that the more providers you compare, the better likelihood of getting inexpensive Jacksonville car insurance quotes. You may even discover the best rates are with some of the lesser-known companies. Regional companies can often provide lower auto insurance rates in certain areas than their larger competitors like Allstate and Progressive.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability limits or collision coverage to discover at claim time that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

Steps to saving on Subaru Impreza insurance in Jacksonville

The most effective way to get discount car insurance rates in Jacksonville is to start comparing prices regularly from companies who provide car insurance in Florida.

• Step 1: Read about policy coverages and the things you can change to keep rates in check. Many policy risk factors that drive up the price like speeding and a not-so-good credit rating can be improved by making lifestyle changes or driving safer.
• Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agents can provide prices for a wide range of insurance providers. Start a quote
• Step 3: Compare the new rate quotes to your existing policy and determine if cheaper Impreza coverage is available in Jacksonville. If you find better rates and switch companies, make sure there is no coverage gap between policies.
• Step 4: Provide notification to your current company of your intention to cancel your current car insurance policy and submit a completed application and payment for the new coverage. Make sure you place the new certificate of insurance somewhere easily accessible.

The key thing to remember is that you’ll want to make sure you compare the same liability limits and deductibles on every quote request and and to get prices from as many auto insurance providers as possible. This provides a fair price comparison and and a good selection of different prices.

For more information, take a look at the articles below:

• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• Who Has Cheap Jacksonville Car Insurance Quotes for College Students? (FAQ)
• What Auto Insurance is Cheapest for Infrequent Drivers in Jacksonville? (FAQ)
• Who Has the Cheapest Jacksonville Car Insurance Rates for 18 Year Olds? (FAQ)
• Who Has the Cheapest Jacksonville Car Insurance Quotes for a Honda Accord? (FAQ)
• How to Avoid Common Accidents (State Farm)
• Smart Auto Insurance Tips (Insurance Information Institute)