Compare Subaru Impreza Insurance Rate Quotes in Baltimore

Discount Subaru Impreza insuranceIf you want to save money, the best way to find low-cost prices for car insurance rates is to compare prices annually from insurance carriers who sell auto insurance in Baltimore. You can shop around by following these guidelines.

Step 1: Get an understanding of how car insurance works and the things you can control to lower rates. Many factors that result in higher prices like distracted driving and a poor credit score can be controlled by making minor driving habit or lifestyle changes.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can quote rates from multiple sources. View rates

Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available in Baltimore. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.

An essential thing to point out is to try to use identical coverages on every quote request and and to get rates from as many companies as you can. This enables the most accurate price comparison and the best rate selection.

Unthinkable but true, most consumers in Maryland kept their coverage with the same insurance company for well over three years, and almost 40% of drivers have never even compared rates from other companies. Most drivers in America could save almost $859 a year just by shopping around, but they just don’t understand the actual amount they would save if they switched.

Buying the cheapest car insurance in Baltimore can really be easy if you know what you’re doing. In essence, everyone who compares rates for car insurance stands a good chance to be able to reduce their rates. Although Maryland vehicle owners do need to understand how big insurance companies determine premium rates and take advantage of how the system works.

Discounts for cheaper car insurance rates

Car insurance is not an enjoyable expense, but there may be some discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be inquired about prior to getting the savings.Cheaper car insurance with discounts

Discounts save money, but please remember that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, you won’t be that lucky. Any amount of discount will definitely lower your policy cost.

The chart below illustrates the difference between Subaru Impreza car insurance rates with and without discounts. The data is based on a female driver, no driving violations, no at-fault accidents, Maryland state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, claim-free, and homeowner discounts applied.

If you would like to view insurance companies with discount car insurance rates in Baltimore, click here to view.

When comparison shopping, getting more free quotes helps increase your odds of locating the best rates.

The providers in the list below have been selected to offer quotes in Baltimore, MD. If you want cheap auto insurance in Baltimore, it’s highly recommended you visit several of them in order to find the most affordable rates.

Car insurance data for a Subaru Impreza

The coverage information shown below showcases estimates of coverage prices for Subaru Impreza models. Being aware of how auto insurance policy rates are established can help you make smart policy decisions.

Subaru Impreza Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $318 $478 $418 $24 $126 $1,364 $114
Impreza 2.5I 4WD Station Wagon $318 $478 $418 $24 $126 $1,364 $114
Impreza Outback Sport 4WD Station Wagon $318 $580 $418 $24 $126 $1,466 $122
Impreza 2.5I AWD 4-Dr $358 $580 $418 $24 $126 $1,506 $126
Impreza 2.5I Premium Package AWD 4-Dr $358 $684 $418 $24 $126 $1,610 $134
Impreza WRX 4WD Station Wagon $358 $684 $418 $24 $126 $1,610 $134
Impreza 2.5 GT 4WD Station Wagon $400 $684 $418 $24 $126 $1,652 $138
Impreza WRX AWD 4-Dr $400 $788 $418 $24 $126 $1,756 $146
Impreza 2.5I GT AWD 4-Dr $400 $788 $418 $24 $126 $1,756 $146
Impreza WRX STI 4WD Station Wagon $400 $788 $418 $24 $126 $1,756 $146
Get Your Own Custom Quote Go

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in vehicle garaging location which can influence premiums substantially.

The information below shows how choosing a deductible and can affect Subaru Impreza insurance premiums for different age categories. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Full coverage or liability only

The information below compares Subaru Impreza annual premium costs when comparing full coverage to state minimum liability only. The rates are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula of when to stop paying for physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Subaru Impreza settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after the deductible is paid. If it’s costing in excess of $800 annually to have full coverage, then it could be time to drop full coverage.

There are a few cases where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage.

Are insurance agencies of importance?

Some consumers still like to get professional advice from a licensed agent and doing so can bring peace of mind A nice benefit of comparing insurance prices online is that you can find cheaper car insurance rates and still have a local agent.

Baltimore insurance agentsTo help locate an agent, after submitting this simple form, your insurance data is immediately sent to local insurance agents that can provide free Baltimore auto insurance quotes to get your business. You won’t need to leave your computer since rate quotes are delivered immediately to your email address. You can most likely find cheaper rates without requiring a lot of work. If you need to get a rate quote from one company in particular, feel free to navigate to their website and complete a quote there.

Deciding on an insurance company requires more thought than just a cheap price quote. A good agent in Baltimore will have answers to these questions.

What type of Baltimore car insurance agent is right for you?

When searching for a local Baltimore insurance agency, you must know there are a couple types of agencies and how they function. Auto insurance agents are either independent agents or exclusive agents.

Exclusive Insurance Agencies

These agents can usually just insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training in insurance sales which helps them sell on service rather than price. Consumers often choose to use a exclusive agent mostly because of the prominent brand name and the convenience of having all coverages with one company.

The following are Baltimore exclusive insurance agents that are able to give price quotes.

View more agents

Independent Agencies or Brokers

Independent insurance agents do not sell for just one brand and that enables them to quote your coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply switch companies in-house which makes it simple for you. If you are comparing rate quotes, we recommend you compare prices from at least one independent agent so that you can do a thorough price comparison. Most can insure with mutual insurance companies that many times have cheaper rates.

Below is a list of independent insurance agencies in Baltimore that are able to give rate quotes.

View more agents

How to find a good Baltimore auto insurance company

Insuring your vehicle with the right insurance provider can be rather challenging considering how many companies there are to choose from in Baltimore. The company information displayed below may help you select which companies to look at when shopping your coverage around.

Top 10 Baltimore Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Baltimore 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

Lower rates by being persistent

Cost effective Subaru Impreza insurance is definitely available online and also from your neighborhood Baltimore agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not provide online quoting and most of the time these smaller companies work with local independent agencies.

You just learned many tips how you can compare Subaru Impreza insurance car insurance rates in Baltimore. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the lowest car insurance rates are with a smaller regional carrier.

People switch companies for a number of reasons such as being labeled a high risk driver, not issuing a premium refund, poor customer service or high rates after DUI convictions. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.

To read more, take a look at the following helpful articles: