How much does insurance cost for a Subaru Impreza?

How much does insurance cost for a Subaru Impreza?
Image: How much does insurance cost for a Subaru Impreza?

The cost of insurance for a Subaru Impreza will depend on several factors including the driver’s age, location, credit score and driving record. Insurance premiums may also vary depending on the vehicle’s value and year. Generally speaking, owners can expect to pay around $1,300 to $2,500 in annual insurance premiums for a new Subaru Impreza.

Overview of Subaru Impreza

Overview of Subaru Impreza
Image: Overview of Subaru Impreza

The Subaru Impreza is a compact car that has been in production for over 25 years. The original model, which was first released in 1992, featured a full-time all-wheel drive system and powerful boxer engine. Over the years, the Impreza has evolved into an even more modern vehicle with improved safety features such as Subaru’s EyeSight driver assist technology and advanced safety systems like Reverse Automatic Braking. This car also offers responsive handling and good fuel economy to those who are looking for an affordable daily commuter.

While the Impreza is relatively inexpensive to purchase compared to some other cars on the market today, its insurance costs can be somewhat high because of its performance capabilities. It might be worth it though; since this car can perform well in wet or icy conditions as well as provide reliable transportation during winter months when roads are slick or covered in snow. When combined with its decent gas mileage, it makes sense why many people choose this model as their primary means of transport.

When shopping around for auto insurance rates on a Subaru Impreza, make sure to get multiple quotes from reputable providers so you can find a policy that fits your budget and covers all necessary risks associated with owning such a vehicle. Also remember that higher coverage levels may lead to lower premiums overall due to discounts offered by insurance companies for safer driving practices like defensive driving courses or anti-theft measures like steering wheel locks and alarms installed on vehicles. With careful comparison shopping, you should be able to find competitive auto insurance rates that meet both your needs and your wallet’s demands.

Factors that Affect Insurance Premiums

Factors that Affect Insurance Premiums
Image: Factors that Affect Insurance Premiums

When insuring a Subaru Impreza, several factors can cause your insurance premiums to change. Age and gender are the two main determinants of how much you will pay for coverage. Generally speaking, younger drivers usually incur higher costs than older drivers with similar driving records due to statistics that show they are more likely to get into accidents. Similarly, males also typically face higher costs for car insurance since their risk profile tends to be perceived as greater than female drivers’ risk profiles.

Your driving history is also taken into consideration when calculating rates – those with fewer moving violations have lower premiums compared with those who have multiple tickets or DUIs on their record. Insurance companies may also factor in where you live when setting rates; people living in crowded urban areas typically have higher prices due to a greater likelihood of theft and other crimes occurring in densely populated neighborhoods. The type of vehicle itself is another contributing factor since expensive cars cost more money to repair if damaged in an accident or vandalized while parked on the street overnight.

Beyond these common considerations, some insurers may look at educational background or credit scores during the underwriting process as well depending on where you live and what state regulations allow them to do so in order to gauge an applicant’s level of responsibility overall. All things considered, there are many elements that go into determining the cost of insurance for a Subaru Impreza but knowing what goes into computing quotes is key for making sure you’re getting the best deal possible each year.

Average Cost for A Subaru Impreza

Average Cost for A Subaru Impreza
Image: Average Cost for A Subaru Impreza

The average cost for a Subaru Impreza depends on several factors, such as the model year and trim. Prices vary between $17,000 to over $26,000. Newer models are generally more expensive than older models; likewise, trims with higher levels of luxury or performance can be pricier than those that offer fewer features or amenities. It is important to consider the cost of an insurance policy in addition to the cost of purchasing the vehicle.

When shopping around for insurance policies it pays to research multiple providers and compare coverage levels and costs. The insurance company’s experience with providing auto insurance coverage should also be considered when choosing an insurer since their expertise in this area could mean better protection for you as a driver. As part of your research into potential insurers, you might wish to check customer reviews as well as search for any discounts that might be available from certain providers.

There are several other costs associated with owning a Subaru Impreza that need to be taken into consideration: maintenance costs (oil changes, tire rotations etc.), Fuel expenses and registration fees just to name a few. All these costs add up over time so factoring them into your budget before making a purchase may help avoid financial strain later down the line.

Upgrade Considerations for Subaru Impreza Models

Upgrade Considerations for Subaru Impreza Models
Image: Upgrade Considerations for Subaru Impreza Models

When deciding which Subaru Impreza model to purchase, drivers should take into consideration certain upgrades that may be beneficial for their needs. The 2.0i sedan is the base level trim in the lineup and provides the essentials with its standard features, including a 2.0L flat-four Boxer engine with 152 hp and 145 lb-ft of torque coupled with either a five-speed manual or CVT transmission option.

For those looking for an upgrade from the 2.0i, there are three higher trims available–Premium, Sport, and Limited–which all come equipped with more power and amenities such as 17-inch alloy wheels, sport front seats, a moonroof, dual zone climate control system, 6 speaker audio system and more depending on trim level selected. In addition to these features each trim also comes standard with Subaru’s EyeSight safety technology that includes adaptive cruise control and pre-collision braking to help provide added safety assurance while on the road.

In terms of engines it’s worth noting that there is also an uprated version of the 2.0 liter flat four boxer engine dubbed the ‘FA20F’ that is found in two models; WRX & WRX STI sport sedans along with some other vehicles in Subaru’s lineup such as Forester XT & Outback XT cars – this unit produces 268hp/258lb ft of torque which offers substantial performance improvements compared to basic Impreza units making them great options for enthusiasts who want extra power without sacrificing drivability or comfort features offered by higher end trims while still remaining relatively affordable when you consider overall cost against competitors offerings within similar segments of market place today.

Discounts and Ways to Save on Insurance

Discounts and Ways to Save on Insurance
Image: Discounts and Ways to Save on Insurance

For drivers of Subaru Imprezas who are looking to save on their insurance, there are some ways to get discounted rates. Researching and comparing quotes from different insurance companies is one great way to start as it helps you identify which policies offer the best coverage for your specific needs at an affordable rate. Asking about discounts from the insurer can yield further savings.

Many insurers offer discounts for good driving records or safe-driving courses that customers complete. For example, if the customer has a record of no violations or accidents in the past three years, they may be eligible for a reduced rate. Most insurers provide discounts for customers who install safety features like anti-lock brakes or airbags in their vehicle. This would help reduce accident risk and insurance costs.

Another way to save money is by increasing your deductible amount so that when an accident does occur, you will have fewer out-of-pocket expenses with each claim payment. The higher deductible will mean paying more initially but it could result in significant cost savings over time – so long as you don’t find yourself in frequent crashes.

Additional Coverage Options

Additional Coverage Options
Image: Additional Coverage Options

When purchasing auto insurance for a Subaru Impreza, customers have the option to select additional coverage types that may increase their overall protection. Supplemental liability insurance is available for drivers who wish to raise their personal injury and property damage limits in the event of an accident. This type of policy helps ensure those affected receive more than just the minimum payout amounts required by law. Comprehensive coverage can be purchased as well, providing financial protection from damages due to hail, flooding, fire, theft and vandalism. Other types of supplemental policies are also available; these may include rental car reimbursement, emergency roadside assistance and medical payments.

Making sure your vehicle is protected against any incident or loss should be given consideration when deciding what levels of coverage you want included with your Subaru Impreza’s auto policy. Shopping around to compare prices is important too – make sure you do research on various companies before making a decision so that you get the best deal possible while still protecting yourself adequately. The cost associated with extra coverage options will depend on many factors such as age, driving record and location but they could save you money if used correctly in the future. Asking your agent about discounts related to certain coverages or bundling multiple policies together can help keep premiums lower for higher coverage levels.

  • James Berkeley

    Based in Bangkok, James simplifies insurance with a personal touch. Proud alumnus of the University of Edinburgh Business School with MSc in Law.


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