How to Save on Subaru Impreza Insurance in Las Vegas

If you want to save the most money, the best way to get the cheapest Subaru Impreza insurance is to regularly compare quotes from different companies who provide car insurance in Las Vegas.

1. Take a little time to learn about car insurance and the measures you can take to prevent rate increases. Many risk factors that drive up the price like traffic tickets, fender benders, and your credit history can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover ideas to lower rates and get discounts that may be overlooked.
2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while independent agents can provide prices for many different companies. Find a Las Vegas insurance agent
3. Compare the price quotes to your current policy and determine if there is any savings. If you can save money, make sure there is no coverage gap between policies.
4. Provide notification to your current company of your intent to cancel your existing policy. Submit a down payment along with a signed application for your new coverage. When you receive it, place your new certificate verifying coverage along with the vehicle’s registration papers.

One tip to remember is that you’ll want to make sure you compare similar coverage information on every price quote and and to get rates from every insurance company. Doing this provides an apples-to-apples comparison and a better comparison of the market.

Sad but true, a large majority of drivers in Nevada have remained with the same auto insurance company for at least the last four years, and practically 40% of auto insurance customers have never compared rates to find cheaper insurance. Consumers in the U.S. could cut their rates by about 47% a year by just comparing quotes, but they just don’t understand how much savings they would realize if they switch to a new company.

Quote Las Vegas Subaru Impreza insurance online

Most of the larger companies like Progressive, GEICO, Allstate and State Farm allow you to get pricing online. Comparing prices online for Subaru Impreza insurance in Las Vegas doesn’t take much effort as you simply type in your required coverages as detailed in the form. Once you submit the form, the quote system automatically retrieves your driving and credit reports and provides a quote based on many factors.

The ability to get online price quotes for Subaru Impreza insurance in Las Vegas simplifies rate comparisons, and it is important to compare as many rates as possible in order to get cheaper auto insurance pricing.

To find out how much you can save on auto insurance, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you duplicate coverages and limits exactly as shown on your declarations page. This way, you are getting a fair comparison using the same coverage and limits.

The following companies provide free rate quotes in Las Vegas, NV. If multiple companies are listed, it’s a good idea that you compare several of them to get the lowest price.

You may qualify for discounts for Subaru Impreza insurance in Las Vegas

Buying insurance is not cheap, but there could be significant discounts that you may not know about. Some trigger automatically when you get a quote, but a few need to be specifically requested in order for you to get them.

• Multiple Policy Discount – When you have multiple policies and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
• Lower Rates for Military – Having a deployed family member could be rewarded with lower rates.
• Driving Data Discount – Policyholders that allow their insurance company to monitor driving patterns by using a telematics device such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.
• Low Mileage – Fewer annual miles on your Subaru could be rewarded with substantially lower rates.
• Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% with certain companies.

A little note about advertised discounts, most credits do not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, company stockholders wouldn’t be very happy.

The chart below compares Subaru Impreza car insurance costs with and without policy discounts. The data is based on a female driver, no accidents or driving violations, Nevada 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 claim-free, safe-driver, marriage, homeowner, multi-policy, and multi-car discounts applied.

To choose insurers that can offer you the previously mentioned discounts in Nevada, click here.

Subaru Impreza insurance coverage information

The coverage table shown below covers estimates of coverage costs for Subaru Impreza models. Having insight into how insurance quotes are figured helps drivers make smart choices when purchasing an insurance policy.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in specific location information which can affect premium rates substantially.

Comparison of policy deductibles

One common question asked by Las Vegas drivers is where should you set your physical damage deductibles. The premium rates below can help show the price difference between high and low insurance deductibles. The first price estimate table uses a $250 physical damage deductible and the second price table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can influence prices noticeably.

Based on the data above, we can derive that using a $250 deductible costs about $13 more each month or $156 every year than requesting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at least 19 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Premiums by gender and age

The information below compares Subaru Impreza annual premium costs for male and female drivers. The costs are based on a clean driving record, no claims, full coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.