Cheap Jacksonville Subaru Impreza Insurance

Insurance rates Subaru Impreza in JacksonvilleDid 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.

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:

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.

Subaru Impreza Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $156 $238 $400 $24 $120 $938 $78
Impreza 2.5I 4WD Station Wagon $156 $238 $400 $24 $120 $938 $78
Impreza Outback Sport 4WD Station Wagon $156 $290 $400 $24 $120 $990 $83
Impreza 2.5I AWD 4-Dr $176 $290 $400 $24 $120 $1,010 $84
Impreza 2.5I Premium Package AWD 4-Dr $176 $342 $400 $24 $120 $1,062 $89
Impreza WRX 4WD Station Wagon $176 $342 $400 $24 $120 $1,062 $89
Impreza 2.5 GT 4WD Station Wagon $196 $342 $400 $24 $120 $1,082 $90
Impreza WRX AWD 4-Dr $196 $394 $400 $24 $120 $1,134 $95
Impreza 2.5I GT AWD 4-Dr $196 $394 $400 $24 $120 $1,134 $95
Impreza WRX STI 4WD Station Wagon $196 $394 $400 $24 $120 $1,134 $95
Get Your Own Custom Quote Go

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.

Subaru Impreza insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $322 $446 $418 $24 $124 $1,359 $113
Impreza 2.5I 4WD Station Wagon $322 $446 $418 $24 $124 $1,359 $113
Impreza Outback Sport 4WD Station Wagon $322 $544 $418 $24 $124 $1,457 $121
Impreza 2.5I AWD 4-Dr $364 $544 $418 $24 $124 $1,499 $125
Impreza 2.5I Premium Package AWD 4-Dr $364 $640 $418 $24 $124 $1,595 $133
Impreza WRX 4WD Station Wagon $364 $640 $418 $24 $124 $1,595 $133
Impreza 2.5 GT 4WD Station Wagon $406 $640 $418 $24 $124 $1,637 $136
Impreza WRX AWD 4-Dr $406 $736 $418 $24 $124 $1,733 $144
Impreza 2.5I GT AWD 4-Dr $406 $736 $418 $24 $124 $1,733 $144
Impreza WRX STI 4WD Station Wagon $406 $736 $418 $24 $124 $1,733 $144
Get Your Own Custom Quote Go

Subaru Impreza insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $262 $360 $418 $24 $124 $1,188 $99
Impreza 2.5I 4WD Station Wagon $262 $360 $418 $24 $124 $1,188 $99
Impreza Outback Sport 4WD Station Wagon $262 $438 $418 $24 $124 $1,266 $106
Impreza 2.5I AWD 4-Dr $296 $438 $418 $24 $124 $1,300 $108
Impreza 2.5I Premium Package AWD 4-Dr $296 $516 $418 $24 $124 $1,378 $115
Impreza WRX 4WD Station Wagon $296 $516 $418 $24 $124 $1,378 $115
Impreza 2.5 GT 4WD Station Wagon $330 $516 $418 $24 $124 $1,412 $118
Impreza WRX AWD 4-Dr $330 $594 $418 $24 $124 $1,490 $124
Impreza 2.5I GT AWD 4-Dr $330 $594 $418 $24 $124 $1,490 $124
Impreza WRX STI 4WD Station Wagon $330 $594 $418 $24 $124 $1,490 $124
Get Your Own Custom Quote Go

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.

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:

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.

5495 Fort Caroline RdJacksonville, FL 32277(904) 744-2702View Map

4540 Southside Blvd #1102Jacksonville, FL 32216(904) 296-2500View Map

3267 Hodges Blvd #14Jacksonville, FL 32224(904) 221-1161View Map

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.

6715 Wilson BlvdJacksonville, FL 32210(904) 677-0441View Map

5243 Beach BlvdJacksonville, FL 32207(904) 391-1003View Map

2153 Blanding BlvdJacksonville, FL 32210(904) 388-6446View Map

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.

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.

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.

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