How to Compare Toledo Subaru Impreza Insurance

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Subaru Impreza insurance
Subaru Impreza insurance image courtesy of QuoteInspector.com

Insurance for Subaru ImprezaDrivers who just recently started comparing quotes online are likely to find locating the cheapest Subaru Impreza insurance in Toledo can be quite difficult.

Statistics show that a large majority of consumers kept buying from the same company for well over three years, and about 40% of consumers have never compared quotes from other companies. Many consumers in Toledo could pocket nearly 55% a year just by getting comparison quotes, but they just don't understand how much money they would save if they just switched companies.

Obtaining price quotes for cheaper protection in Toledo is not as time-consuming as you think. In a nutshell, everyone who carries car insurance should be able to reduce their rates. But Ohio consumers do need to understand the way companies price insurance differently.

When comparison shopping, obtaining a wide range of quotes gives you a better chance of getting more affordable rates.

The following companies are our best choices to provide quotes in Ohio. If multiple companies are listed, we recommend you get rates from several of them in order to find the lowest rates.

Save money on Subaru Impreza insurance in Toledo with these insurance discounts

Some insurance providers don't always advertise the complete list of policy discounts very well, so the list below contains some of the best known and the harder-to-find credits available to you.Cheaper insurance with discounts

  • Membership in Organizations - Being in certain professional organizations could qualify you for a break on your next renewal.
  • Anti-lock Brake Discount - Vehicles with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Safety Course Discount - Passing a class that teaches safe driver techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Payment Method - By making one initial payment as opposed to paying monthly you may reduce your total bill.
  • Switch and Save Discount - Some insurance companies reward drivers for renewing your policy before your current Impreza insurance policy expires. It can save you around 10%.
  • Accident Waiver - This one isn't a discount, but companies like GEICO, Allstate and Liberty Mutual will forgive one accident without getting socked with a rate hike if you are claim-free before the accident.
  • Driver Education Discount - Reduce the cost of insurance for teen drivers by having them participate in a local driver's education class if offered at their school.
  • Toledo Homeowners Pay Less - Just owning your own home can save a few bucks since owning and maintaining a home is proof of financial responsibility.
  • Military Deployment Discount - Being on active deployment in the military could qualify you for better premium rates.

Keep in mind that most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it's just not the way it works. But any discount will reduce the cost of your policy.

The information below compares Subaru Impreza insurance rates with and without discounts applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Ohio 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 claim-free, safe-driver, multi-car, multi-policy, marriage, and homeowner discounts applied.

Car insurance companies that may have many of the previously listed discounts include:

If you need affordable Toledo car insurance quotes, ask each company or agent the best way to save money. A few discounts might not be offered in Toledo. To locate insurance companies that can offer you the previously mentioned discounts in Toledo, click here to view.

Rates and other information

The information shown next showcases detailed analysis of insurance rates for Subaru Impreza models. Understanding more about how insurance policy premiums are calculated can help drivers make informed decisions when comparing rate quotes.

Subaru Impreza Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $136 $222 $296 $18 $88 $760 $63
Impreza 2.5I 4WD Station Wagon $136 $222 $296 $18 $88 $760 $63
Impreza Outback Sport 4WD Station Wagon $136 $270 $296 $18 $88 $808 $67
Impreza 2.5I AWD 4-Dr $154 $270 $296 $18 $88 $826 $69
Impreza 2.5I Premium Package AWD 4-Dr $154 $318 $296 $18 $88 $874 $73
Impreza WRX 4WD Station Wagon $154 $318 $296 $18 $88 $874 $73
Impreza 2.5 GT 4WD Station Wagon $172 $318 $296 $18 $88 $892 $74
Impreza WRX AWD 4-Dr $172 $366 $296 $18 $88 $940 $78
Impreza 2.5I GT AWD 4-Dr $172 $366 $296 $18 $88 $940 $78
Impreza WRX STI 4WD Station Wagon $172 $366 $296 $18 $88 $940 $78
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in Toledo location which can alter prices significantly.

Policy deductible comparison

When buying car insurance, a common question is where should you set your physical damage deductibles. The premium rates below outline the price difference between low and high insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Subaru Impreza insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $176 $242 $226 $14 $68 $751 $63
Impreza 2.5I 4WD Station Wagon $176 $242 $226 $14 $68 $751 $63
Impreza Outback Sport 4WD Station Wagon $176 $296 $226 $14 $68 $805 $67
Impreza 2.5I AWD 4-Dr $198 $296 $226 $14 $68 $827 $69
Impreza 2.5I Premium Package AWD 4-Dr $198 $348 $226 $14 $68 $879 $73
Impreza WRX 4WD Station Wagon $198 $348 $226 $14 $68 $879 $73
Impreza 2.5 GT 4WD Station Wagon $220 $348 $226 $14 $68 $901 $75
Impreza WRX AWD 4-Dr $220 $400 $226 $14 $68 $953 $79
Impreza 2.5I GT AWD 4-Dr $220 $400 $226 $14 $68 $953 $79
Impreza WRX STI 4WD Station Wagon $220 $400 $226 $14 $68 $953 $79
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Subaru Impreza insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $142 $196 $226 $14 $68 $646 $54
Impreza 2.5I 4WD Station Wagon $142 $196 $226 $14 $68 $646 $54
Impreza Outback Sport 4WD Station Wagon $142 $238 $226 $14 $68 $688 $57
Impreza 2.5I AWD 4-Dr $160 $238 $226 $14 $68 $706 $59
Impreza 2.5I Premium Package AWD 4-Dr $160 $280 $226 $14 $68 $748 $62
Impreza WRX 4WD Station Wagon $160 $280 $226 $14 $68 $748 $62
Impreza 2.5 GT 4WD Station Wagon $180 $280 $226 $14 $68 $768 $64
Impreza WRX AWD 4-Dr $180 $324 $226 $14 $68 $812 $68
Impreza 2.5I GT AWD 4-Dr $180 $324 $226 $14 $68 $812 $68
Impreza WRX STI 4WD Station Wagon $180 $324 $226 $14 $68 $812 $68
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can alter premiums greatly.

Based on this data, using a $250 deductible will cost you about $10 more each month or $120 each year averaged for all Impreza models than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 25 months between claims, you would come out ahead if you opt for a higher deductible.

Violations and accidents raise rates

The chart below demonstrates how speeding tickets and at-fault collisions raise Subaru Impreza yearly insurance costs for each different age group. The premiums assume a single male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

Comparison of full coverage and liability-only policies

The illustration below shows the comparison of Subaru Impreza insurance premiums with and without physical damage coverage. The data is based on no claims or driving violations, $500 deductibles, single status, and no discounts are taken into consideration.

Should you pay for full coverage or liability only?

There is no set rule to delete full coverage, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's assume your Subaru Impreza claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your policy deductible. If you are currently paying more than $700 a year to have full coverage, then you might want to think about dropping full coverage.

There are some conditions where eliminating full coverage is not advised. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

When should I contact a local insurance agent?

A small number of people still prefer to get professional advice from a licensed agent and that is a personal choice. The biggest benefit of comparing insurance prices online is you can get cheap insurance rates but still work with a licensed agent. Buying from local agents is important especially in Toledo.

By using this simple form, your coverage information is emailed to companies in Toledo that provide free Toledo car insurance quotes for your business. It simplifies rate comparisons since you won't have to do any legwork since price quotes are sent to you instantly. It's the lowest rates and work with a local agent. If for some reason you want to compare rates from a specific insurance provider, you just need to visit that company's website and complete a quote there.

Shown below are Toledo car insurance companies that are able to give price quotes for Subaru Impreza insurance in Toledo.

More Toledo agents

Picking an insurance company is decision based upon more than just a cheap price quote. The following questions are important to ask.

  • Does the agent help file claims?
  • Can they give you a list of client referrals?
  • Do you need full coverage on every vehicle?
  • Does the company have a local claim office in Toledo?
  • When do they do policy reviews?

Special considerations

When selecting adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine if your situation might need an agent's assistance.

  • Do I need higher collision deductibles?
  • Should I buy more coverage than the required Ohio minimum liability coverage?
  • What is no-fault insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • When should I remove my kid from my policy?
  • At what point should I drop full coverage?
  • What does UM/UIM cover?
  • What policy terms are available?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you're not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Smart Consumers Save on Insurance

Lots of factors are used in the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but others are more obscure like your continuous coverage or how financially stable you are. It's important that you understand the different types of things that are used to determine your premiums. If you know what determines base rates, this allows you to make good choices that may reward you with much lower annual insurance costs.

Theft deterrents save - Choosing to buy a car with a theft deterrent system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft and help bring rates down.

Your address can push rates up or down - Having an address in small towns and rural areas is a positive aspect when trying to find low car insurance rates. Lower population translates into fewer accident claims in addition to lower liability claims. Urban drivers have to deal with much more traffic and more severe claims. Longer commute distances means more chances of being involved in an auto accident.

Five star IIHS safety rating saves money - Cars with five star safety ratings get lower rates. These vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates directly to fewer claims and thus lower rates. If your Subaru has at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Women tend to be lower risk - Statistics demonstrate that females take fewer risks when driving. However, this does not mean men are worse drivers. Both sexes are responsible for fender benders at a similar rate, but men get into accidents with more damage. In addition to higher claims, males also get ticketed for serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 tend to get in the most accidents and therefore pay the highest rates.

The information below shows the difference between Subaru Impreza yearly insurance costs for male and female drivers. The data assumes no claims, a clean driving record, comp and collision included, $1,000 deductibles, single status, and no other discounts are factored in.

Single vs. married - Having a significant other may earn you lower rates when shopping for auto insurance. It is viewed as being less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.

Teenage driver insurance prices - Teen drivers in Ohio are statistically proven to be easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. Older people are more cautious drivers, are lower risk to insure, and get fewer tickets.

The chart below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

No policy claims equals better rates - If you are the type of insured that files lots of claims you shouldn't be surprised to get either policy cancellation or increased premiums. Companies in Ohio award the lowest premiums to policyholders who do not rely on their insurance for small claims. Your car insurance is designed for larger claims.

Liability is important - Liability coverage kicks in in the event that you are found to be at fault for causing personal injury or damage in an accident. It will provide legal defense to defend your case. This coverage is very inexpensive compared to comp and collision, so do not cut corners here.

Insurance losses for a Subaru Impreza - Insurance companies use data from past claims when setting premium costs. Models that are shown to have increased losses will have increased rates. The table below outlines the actual insurance loss data for Subaru Impreza vehicles.

For each type of coverage, the claim amount for all vehicles combined as an average is considered to be 100. Percentages below 100 suggest a better than average loss history, while numbers above 100 indicate more frequent claims or a tendency for claims to be larger.

Subaru Impreza Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Subaru Impreza 4WD 96 80 110 79 78 81
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Why do I need car insurance?

Despite the high cost of buying insurance for a Subaru Impreza in Toledo, auto insurance is required by state law in Ohio and it also provides benefits you may not be aware of.

First, almost all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage if you don't want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your Subaru Impreza, almost every bank will force you to carry insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Subaru at a significantly higher premium and require you to reimburse them for the expensive policy.

Third, auto insurance preserves not only your car but also your financial assets. It will also cover medical bills that are the result of an accident. As part of your policy, liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of having insurance outweigh the cost, specifically if you ever have a liability claim. The average driver in Ohio overpays as much as $830 a year so you should quote rates each time the policy renews to be sure current rates are still competitive.

Final considerations

Drivers who switch companies do it for a variety of reasons including poor customer service, policy non-renewal, high prices and even delays in responding to claim requests. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.

When buying insurance coverage, don't be tempted to buy less coverage just to save a little money. There are too many instances where drivers have reduced physical damage coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

Throughout this article, we presented some good ideas how to compare Subaru Impreza insurance premium rates in Toledo. The key thing to remember is the more rate comparisons you have, the higher your chance of finding cheaper Toledo car insurance quotes. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier.

How to find the cheapest rates for Subaru Impreza insurance in Toledo

The preferred way to find affordable quotes for Subaru Impreza insurance in Toledo is to annually compare prices from providers that insure vehicles in Ohio. Rates can be compared by following these steps.

  • Step 1: Learn about how auto insurance works and the factors you can control to prevent expensive coverage. Many things that drive up the price like your driving record and a not-so-good credit rating can be controlled by making minor driving habit or lifestyle changes.
  • Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or Farmers Insurance, while independent agencies can quote prices for a wide range of companies. Click to view companies
  • Step 3: Compare the quotes to your existing policy to see if switching to a new carrier will save money. If you can save money and decide to switch, make sure there is no coverage gap between policies.
  • Step 4: Provide proper notification to your current company to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application for your new coverage. As soon as you receive it, place the new certificate verifying proof of insurance with the vehicle registration.

One piece of advice is that you'll want to make sure you compare the same liability limits and deductibles on every quote and and to get quotes from all possible companies. Doing this enables an apples-to-apples comparison and maximum price selection.

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