Being forced to pay for high-priced car insurance premiums can stress out your family's budget and put the squeeze on your family's finances. Performing a price comparison is recommended to lower your bills every month.
Unthinkable but true, almost 70% of insureds have remained with the same car insurance company for a minimum of four years, and almost 40% of drivers have never even shopped around for lower-cost coverage. Evansville drivers can save hundreds of dollars each year just by shopping around, but they don't want to spend time to compare rate quotes. Big-name insurance companies like GEICO, Farmers Insurance and State Farm increase brand awareness with catchy ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.
Consumers should take time to quote other rates as often as possible since insurance prices are adjusted regularly by insurance companies. If you had the lowest rates on Subaru Impreza insurance in Evansville a few years ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because I'm going to teach you the best methods to properly buy coverages and cut your premium.
If you already have coverage or need a new policy, follow these tips to find better prices without reducing coverage. Buying the cheapest insurance in Evansville can be much easier if you know how to start. Comparison shoppers just have to use the most efficient way to buy insurance online from multiple companies.
Cheapest car insurance in Evansville, IN
The companies in the list below provide price comparisons in Evansville, IN. If the list has multiple companies, we suggest you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Impreza 2.5I 4WD Station Wagon||$186||$298||$264||$16||$80||$844||$70|
|Impreza 2.5I 4WD Station Wagon||$170||$274||$364||$22||$110||$940||$78|
|Impreza Outback Sport 4WD Station Wagon||$216||$366||$280||$16||$84||$962||$80|
|Impreza 2.5I AWD 4-Dr||$118||$196||$270||$16||$80||$680||$57|
|Impreza 2.5I Premium Package AWD 4-Dr||$212||$436||$270||$16||$80||$1,014||$85|
|Impreza WRX 4WD Station Wagon||$302||$632||$380||$22||$114||$1,450||$121|
|Impreza 2.5 GT 4WD Station Wagon||$302||$530||$380||$22||$114||$1,348||$112|
|Impreza WRX AWD 4-Dr||$338||$728||$380||$22||$114||$1,582||$132|
|Impreza 2.5I GT AWD 4-Dr||$252||$400||$368||$22||$110||$1,152||$96|
|Impreza WRX STI 4WD Station Wagon||$304||$592||$280||$16||$84||$1,276||$106|
|Get Your Own Custom Quote Go|
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in vehicle garaging location which can change auto insurance rates substantially.
Subaru Impreza insurance premiums by gender in Evansville
The chart below shows the difference between Subaru Impreza insurance costs for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.
These discounts can lower your car insurance quotes
Some providers do not advertise the entire discount list in a way that's easy to find, so here is a list some of the more common and the harder-to-find credits available to bring down your rates.
- More Vehicles More Savings - Purchasing coverage when you have all your vehicles on a single policy may reduce the rate for each vehicle.
- Clubs and Organizations - Affiliation with qualifying clubs or civic groups could qualify you for a break when getting a Evansville car insurance quote.
- Telematics Data Discounts - Policyholders that allow driving data collection to track vehicle usage remotely such as Progressive's Snapshot and State Farm's In-Drive may get a rate reduction if they have good driving habits.
- Own a Home and Save - Owning a home in Evansville may earn you a small savings since home ownership is proof that your finances are in order.
- Early Renewal Discounts - A few car insurance companies allow discounts for buying a new policy before your current coverage expires. Ten percent is about the average savings.
- Senior Citizen Discount - If you qualify as a senior citizen, you may qualify for a discount up to 10%.
- Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the medical payments premium.
- Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
While discounts sound great, it's important to understand that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn't stay in business.
A list of car insurance companies and a partial list of their discounts can be read below.
- American Family has discounts for air bags, bundled insurance, TimeAway discount, defensive driver, early bird, good driver, and good student.
- Nationwide offers discounts including family plan, good student, multi-policy, Farm Bureau membership, accident-free, defensive driving, and business or organization.
- MetLife includes discounts for good student, accident-free, good driver, defensive driver, and claim-free.
- 21st Century discounts include automatic seat belts, student driver, theft prevention, defensive driver, homeowners, and teen driver.
- Farmers Insurance policyholders can earn discounts including switch companies, homeowner, youthful driver, early shopping, and good student.
- Allstate may have discounts that include premier discount, EZ pay plan discount, passive restraint, teenSMART discount, resident student, and premier plus.
When getting a coverage quote, ask all companies you are considering how many discounts you can get. Some discounts listed above might not be offered on policies in Evansville. To view providers that provide some of the discounts listed above in Evansville, click here to view.
Six factors that impact insurance costs
The best way to find cheaper car insurance is to take a look at the factors that aid in calculating your car insurance rates. When consumers understand what determines base rates, this enables informed choices that can earn you much lower annual insurance costs. Multiple criteria are considered when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other criteria are not quite as obvious like your vehicle usage or how safe your car is.
The items below are some of the factors car insurance companies consider when setting premiums.
Lower performance equals lower insurance premiums - The type of car, truck or SUV you are insuring makes a big difference in your auto insurance rates. The most favorable rates are usually found on economy passenger cars, but many other things help determine your insurance rates. Since the Subaru Impreza is a sport coupe, insuring your vehicle will cost much more compared to average rates in Evansville.
Lower premiums with continuous car insurance coverage - Having a lapse in insurance coverage is a quick way to increase your renewal premiums. In addition to paying higher rates, the inability to provide proof of insurance will get you a revoked license or a big fine.
Gender impacts rates - Statistics have proven that women are safer drivers than men. However, don't assume that females are better drivers. They both are responsible for fender benders at a similar rate, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
Extra policy coverages you don't need - There are many extra coverages that can add up if you aren't diligent. Things like personal injury protection, better glass coverage, and Farm Bureau memberships may be wasting your money. The coverages may be enticing when buying your policy, but if you don't need them remove them and pocket the money.
Do you work long hours in a stressful job? - Do you work in a high-stress field? Jobs like military generals, architects and financial analysts tend to have higher premium rates in part from intense work requirements and long work days. Other occupations such as professors, students and the unemployed generally pay rates lower than average.
Comp and collision deductibles are a factor - Your deductibles are how much you are willing to pay in the event of a claim. Physical damage coverage, also called comprehensive and collision insurance, insures against damage to your car. A few examples of covered claims could be rearending another vehicle, hail damage, and damage from wind. The larger the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
Loss statistics for a Subaru Impreza - Companies study historical loss data when they calculate premium rates for each model. Models that tend to have higher prevalence or dollar amount of losses will have higher rates.
The next table illustrates the historical loss data for Subaru Impreza vehicles. For each coverage type, the claim amount for all vehicles as a whole is considered to be 100. Numbers below 100 indicate better than average losses, while numbers above 100 point to more claims or an increased chance of larger losses than average.
Auto Insurance Loss Data for Subaru Impreza Models
|Specific Subaru Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Subaru Impreza 4WD||96||80||110||79||78||81|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Compare rate quotes but buy from a local Evansville insurance agency
Some consumers still like to get advice from a local agent and that can be a smart move Experienced insurance agents can help you choose the best coverages and help you file claims. A nice benefit of getting free rate quotes online is the fact that you can find better rates but still work with a licensed agent. And supporting local insurance agents is definitely important in Evansville.
For easy comparison, once you complete this short form, the quote information is submitted to local insurance agents who can give free rate quotes and help you find cheaper coverage. There is no need to do any legwork since rate quotes are delivered immediately to your email address. If you want to compare rates for a specific company, feel free to visit that company's website and fill out the quote form the provide.
Types of auto insurance agents
If you are wanting to find a good insurance agency, you need to know there are two types of agencies that you can choose from. Agencies in Evansville may be either exclusive or independent agents depending on their company appointments. Both can insure your vehicles properly, but it's worth mentioning how they are different since it can impact the kind of agent you use.
Agents that elect to be independent often have many company appointments and that is an advantage because they can write policies with a variety of different insurance companies and find the cheapest insurance rates. To move your coverage to a new company, they simply move your policy to a different company and the insured can keep the same agent.
If you need cheaper insurance rates, it's recommended you include rate quotes from several independent agencies so that you have a good selection of quotes to compare.
Listed below is a partial list of independent agencies in Evansville that may be able to provide free rate quotes.
ET Shield Insurance Agency
4405 Theater Dr - Evansville, IN 47715 - (812) 469-9907 - View Map
Exclusive Insurance Agents
Agents in the exclusive channel normally can only provide a single company's rates such as State Farm, Allstate, and Farm Bureau. They usually cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies are well schooled on their products and sales techniques which aids in selling service over price.
Listed below are exclusive insurance agencies in Evansville that can give you price quotes.
Picking the best car insurance agent is decision based upon more than just a cheap quote. Some important questions to ask are:
- Is working in the agency their full-time job?
- How would your car be valued if totalled?
- How often do they review coverages?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is the agency involved in supporting local community causes?
- How long has the business existed?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Does the company have a local claim office in Evansville?
After getting good answers to your questions and cheap Impreza insurance quotes, you have narrowed it down to an insurance agency that can be relied on to service your policy. But remember, you have the power to terminate coverage at any point so don't think you're contractually obligated to your new company for the full term.
More quotes mean more insurance savings
Cheaper Subaru Impreza insurance in Evansville is definitely available on the web in addition to many Evansville insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers don't offer online quoting and many times these small insurance companies only sell through independent agencies.
We just showed you some good ideas how you can reduce Subaru Impreza insurance car insurance rates online in Evansville. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest car insurance rates come from some of the smallest insurance companies. Some small companies can often provide lower premium rates in certain areas compared to the large companies like State Farm or Progressive.
Additional information is available below:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Who Has Cheap Auto Insurance for a Kia Forte in Indiana? (FAQ)
- Who Has the Cheapest Indiana Auto Insurance for a Learners Permit? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)
- How to Avoid Common Accidents (State Farm)