Do you want to learn how to find more affordable Subaru Impreza insurance in Virginia Beach? Paying for pricey Subaru Impreza insurance in Virginia Beach can take a big chunk out of your savings account and require stricter spending habits.
Smart shoppers know that auto insurance companies don’t want policyholders to compare prices from other companies. Drivers who compare rates annually will most likely buy a different policy because they have a good chance of finding a more affordable policy. A survey found that consumers who made a habit of comparing rate quotes saved $3,400 over four years compared to other drivers who never compared other company’s rates.
If finding budget-friendly rates on car insurance is your ultimate goal, learning how to quote prices and compare cheaper coverage can make the process more efficient.
Steps to finding cheaper Subaru Impreza insurance in Virginia Beach
If you want to save money, the best way to get more affordable Subaru Impreza insurance is to make a habit of regularly comparing prices from insurance carriers in Virginia Beach.
- Get an understanding of the coverage provided by your policy and the steps you can take to keep rates in check. Many rating criteria that result in higher rates such as traffic citations and a less-than-favorable credit rating can be amended by paying attention to minor details. Later in this article we will cover additional ideas to help prevent expensive coverage and find additional discounts.
- Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agents can quote rates from multiple insurance companies.
- Compare the new rates to your existing policy to see if switching to a new carrier will save money. If you find a lower rate quote, make sure there is no lapse in coverage.
One key aspect of rate comparisons is to try to use similar deductibles and liability limits on every quote request and and to get quotes from every insurance company. This helps ensure an apples-to-apples comparison and a complete price analysis.
With so many options for buying cheap insurance for a Subaru Impreza in Virginia Beach, it can be impossible to pick the lowest cost car insurance provider.
Lower rates by qualifying for discounts
Insurance can be prohibitively expensive, but you might already qualify for some discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but some need to be specially asked for prior to getting the savings.
- Theft Deterrent Discount – Cars, trucks, and SUVs with anti-theft systems help deter theft and therefore earn up to a 10% discount.
- No Charge for an Accident – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before raising your premiums if you have no claims for a certain period of time.
- Bundled Policy Discount – If you can combine your home and auto policy with the same company you may earn at least 10% off all policies.
- Anti-lock Brakes – Cars with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
- Buy New and Save – Putting insurance on a new Impreza is cheaper due to better safety requirements for new vehicles.
- Mature Driver Discount – If you’re over the age of 55, you may receive lower premium rates.
- Accident Free – Virginia Beach drivers who stay claim-free pay much less when compared with policyholders that have many claims.
As is typical with insurance, some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you could get a free car insurance policy, companies wouldn’t make money that way.
The illustration below shows the comparison of Subaru Impreza insurance costs with and without policy discounts. The price estimates are based on a male driver, no violations or accidents, Virginia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, claim-free, marriage, and multi-policy discounts applied.
If you would like to choose from a list of car insurance companies that offer many of these discounts in Virginia Beach, follow this link.
Where can I get affordable Virginia Beach Subaru Impreza insurance?
Just keep in mind that comparing all the rates in your area will increase your chances of finding better pricing.
The companies shown below provide price quotes in Virginia. To buy the best auto insurance in Virginia Beach, VA, we suggest you get price quotes from several of them to find the most affordable auto insurance rates.
Analysis of coverages
The rate information shown below highlights estimates of insurance policy prices for Subaru Impreza models. Being aware of how policy premiums are determined is important for you to make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $190 | $338 | $290 | $18 | $88 | $924 | $77 |
| Impreza 2.5I 4WD Station Wagon | $190 | $338 | $290 | $18 | $88 | $924 | $77 |
| Impreza Outback Sport 4WD Station Wagon | $190 | $412 | $290 | $18 | $88 | $998 | $83 |
| Impreza 2.5I AWD 4-Dr | $214 | $412 | $290 | $18 | $88 | $1,022 | $85 |
| Impreza 2.5I Premium Package AWD 4-Dr | $214 | $486 | $290 | $18 | $88 | $1,096 | $91 |
| Impreza WRX 4WD Station Wagon | $214 | $486 | $290 | $18 | $88 | $1,096 | $91 |
| Impreza 2.5 GT 4WD Station Wagon | $240 | $486 | $290 | $18 | $88 | $1,122 | $94 |
| Impreza WRX AWD 4-Dr | $240 | $558 | $290 | $18 | $88 | $1,194 | $100 |
| Impreza 2.5I GT AWD 4-Dr | $240 | $558 | $290 | $18 | $88 | $1,194 | $100 |
| Impreza WRX STI 4WD Station Wagon | $240 | $558 | $290 | $18 | $88 | $1,194 | $100 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Virginia Beach which can lower or raise insurance rates noticeably.
Deductible analysis
One of the more difficult decisions when buying insurance is how high should the physical damage deductibles be. The following tables highlight the differences in premium rates when you choose different comp and collision deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $222 | $328 | $258 | $16 | $78 | $927 | $77 |
| Impreza 2.5I 4WD Station Wagon | $222 | $328 | $258 | $16 | $78 | $927 | $77 |
| Impreza Outback Sport 4WD Station Wagon | $222 | $400 | $258 | $16 | $78 | $999 | $83 |
| Impreza 2.5I AWD 4-Dr | $250 | $400 | $258 | $16 | $78 | $1,027 | $86 |
| Impreza 2.5I Premium Package AWD 4-Dr | $250 | $472 | $258 | $16 | $78 | $1,099 | $92 |
| Impreza WRX 4WD Station Wagon | $250 | $472 | $258 | $16 | $78 | $1,099 | $92 |
| Impreza 2.5 GT 4WD Station Wagon | $278 | $472 | $258 | $16 | $78 | $1,127 | $94 |
| Impreza WRX AWD 4-Dr | $278 | $542 | $258 | $16 | $78 | $1,197 | $100 |
| Impreza 2.5I GT AWD 4-Dr | $278 | $542 | $258 | $16 | $78 | $1,197 | $100 |
| Impreza WRX STI 4WD Station Wagon | $278 | $542 | $258 | $16 | $78 | $1,197 | $100 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $122 | $174 | $258 | $16 | $78 | $648 | $54 |
| Impreza 2.5I 4WD Station Wagon | $122 | $174 | $258 | $16 | $78 | $648 | $54 |
| Impreza Outback Sport 4WD Station Wagon | $122 | $210 | $258 | $16 | $78 | $684 | $57 |
| Impreza 2.5I AWD 4-Dr | $138 | $210 | $258 | $16 | $78 | $700 | $58 |
| Impreza 2.5I Premium Package AWD 4-Dr | $138 | $248 | $258 | $16 | $78 | $738 | $62 |
| Impreza WRX 4WD Station Wagon | $138 | $248 | $258 | $16 | $78 | $738 | $62 |
| Impreza 2.5 GT 4WD Station Wagon | $154 | $248 | $258 | $16 | $78 | $754 | $63 |
| Impreza WRX AWD 4-Dr | $154 | $286 | $258 | $16 | $78 | $792 | $66 |
| Impreza 2.5I GT AWD 4-Dr | $154 | $286 | $258 | $16 | $78 | $792 | $66 |
| Impreza WRX STI 4WD Station Wagon | $154 | $286 | $258 | $16 | $78 | $792 | $66 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific Virginia Beach garaging location which can lower or raise premiums greatly.
Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $29 more each month or $348 each year averaged for all Impreza models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 31 months between claims, you would save more money if you choose a higher deductible.
Rate comparison of males versus females in Virginia Beach
The illustration below compares Subaru Impreza yearly insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are applied.
Liability only or full coverage
The diagram below visualizes the comparison of Subaru Impreza insurance costs with liability coverage only compared to full coverage. The information is based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There is no definitive formula for phasing out comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s assume your Subaru Impreza replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after the policy deductible has been paid. If you are paying over $500 annually for full coverage, then it might be time to consider dropping full coverage.
There are a few cases where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
Independent versus exclusive insurance agents
Certain consumers would rather get professional advice from a licensed agent and doing so can bring peace of mind The best thing about comparing insurance prices online is the fact that you can find cheap auto insurance quotes and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), the coverage information is emailed to participating agents in Virginia Beach who will return price quotes and help you find cheaper coverage. You don’t have to find an agent because quoted prices will be sent directly to you. It’s the lowest rates AND an agent nearby. If you need to quote rates from a specific company, you can always go to their quote page and complete a quote there.
Choosing the best company should include more criteria than just the quoted price. These are some valid questions you should ask.
- Will high miles depreciate repair valuations?
- Can glass claims be handled at your home?
- Will the agent or a CSR service your policy?
- How is replacement cost determined on your vehicle?
- How will an accident affect your rates?
If you prefer to buy auto insurance from a good insurance agency, it can be helpful to understand the different agency structures and how they operate. Agencies in Virginia Beach are either exclusive or independent (non-exclusive).
Exclusive Agents
Agents that choose to be exclusive generally can only insure with one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually well trained in insurance sales which helps overcome the inability to quote other rates.
Listed below is a short list of exclusive insurance agencies in Virginia Beach who can help you get price quotes.
Charlie Hendrick – State Farm Insurance Agent
5350 Kemps River Dr #101 – Virginia Beach, VA 23464 – (757) 523-4115 – View Map
Matt Abbott – State Farm Insurance Agent
4646 Princess Anne Rd #103 – Virginia Beach, VA 23462 – (757) 497-1999 – View Map
GEICO Insurance Agent
4389 Virginia Beach Blvd – Virginia Beach, VA 23462 – (757) 583-2200 – View Map
View more Virginia Beach agents
Independent Insurance Agents
Independent insurance agents are not required to write business for one company so they can write business with multiple insurance companies and find you cheaper rates. If you want to switch companies, they can switch companies in-house and you stay with the same agent. If you need cheaper auto insurance rates, we highly recommend that you get some free quotes from several independent agencies so that you can do a thorough price comparison.
Shown below are Virginia Beach independent insurance agents that can give you comparison quotes.
Nationwide Insurance: Mayo Insurance Agency Inc
1917 Laskin Rd Ste 101 – Virginia Beach, VA 23454 – (757) 496-5685 – View Map
Bell Insurance Agency Corporation
1501 Cornwell Ln – Virginia Beach, VA 23454 – (757) 340-0028 – View Map
Nationwide Insurance: The Braun Agency Inc
6062 Indian River Rd Ste 101 – Virginia Beach, VA 23464 – (757) 420-2060 – View Map
View more Virginia Beach agents
Once you have received positive responses to all your questions and a good coverage price, it’s possible that you found an insurance agency that is reputable and can insure your vehicles.
Auto insurance savings summarized
Lower-priced auto insurance in Virginia Beach can be bought from both online companies and from local agencies, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and most of the time these smaller companies only sell coverage through independent agents.
We covered some good ideas how to reduce Subaru Impreza insurance prices online in Virginia Beach. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with a small local company. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.
Steps to finding discount Subaru Impreza insurance in Virginia Beach
The most effective way to get budget Subaru Impreza insurance is to start comparing rates regularly from insurance carriers in Virginia Beach. Rates can be compared by following these guidelines.
Step 1: Learn about the different coverages in a policy and the factors you can control to lower rates. Many rating criteria that are responsible for high rates like getting speeding tickets and bad credit can be remedied by making minor driving habit or lifestyle changes.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices for a wide range of companies. Compare rates now
Step 3: Compare the new rate quotes to your existing coverage to see if cheaper Impreza coverage is available. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
Step 4: Notify your agent or company to cancel your existing policy and submit the required down payment along with the signed application to your new insurance company. As soon as you have the new policy, safely store the proof of insurance certificate somewhere easily accessible.
The critical component of shopping around is to make sure you enter the same physical damage deductibles and liability limits on every quote request and and to get price estimates from every insurance company. Doing this ensures an apples-to-apples comparison and a complete selection of prices.
To learn more, feel free to browse the resources below:
- All About Airbag Safety (State Farm)
- What Car Insurance is Cheapest for 18 Year Olds in Virginia Beach? (FAQ)
- Who Has Affordable Auto Insurance Rates for Teenagers in Virginia Beach? (FAQ)
- How Much is Auto Insurance for Good Drivers in Virginia Beach? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Jeep Grand Cherokee in Virginia Beach? (FAQ)
- Who Has Affordable Auto Insurance Rates for 4×4 Vehicles in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Rogue in Virginia Beach? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Over Age 60 in Virginia Beach? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)