Want to know an easy way to compare low-cost Subaru Impreza insurance in Philadelphia? There isn’t a single person who likes paying for insurance, especially knowing their premiums are too high.
Astonishing but true, the vast majority of insurance customers have purchased from the same company for more than four years, and virtually 40% of consumers have never taken the time to shop around. Consumers in Pennsylvania could cut their rates by as much as $690 a year by just comparing rate quotes, but they just assume it takes a lot of time to compare other rate quotes.
Many car insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest rate possible on Subaru Impreza insurance in Philadelphia.
Consumers need to get comparison quotes once or twice a year because insurance prices are constantly changing. Despite the fact that you may have had the best rates on Subaru Impreza insurance in Philadelphia on your last policy a different company probably has better rate quotes today. Forget all the misinformation about insurance because I’m going to teach you how to use online quotes to properly buy coverages and cut your premium.
Cheapest Subaru Impreza insurance price quotes in Philadelphia, Pennsylvania
Keep in mind that more quotes will enable you to find more affordable rates.
The providers in the list below provide free quotes in Pennsylvania. If more than one company is shown, we suggest you click on several of them to get the best price comparison.
Car insurance discounts are available to get cheap rates
Car insurance companies don’t always publicize all their discounts very well, so we researched both well-publicized as well as the least known discounts that you may qualify for.
- Telematics Data – Philadelphia drivers who agree to allow their insurance company to monitor vehicle usage through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts if they are good drivers.
- Low Mileage Discounts – Maintaining low annual mileage can qualify you for substantially lower prices.
- Government Employee Discount – Active or former government employment can earn a discount up to 10% with certain companies.
- Homeowners Savings – Just owning your own home can help you save on car insurance since owning and maintaining a home is proof that your finances are in order.
- Driver Training Discounts – Completing a class that teaches driver safety techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
- Discounts for New Vehicles – Buying coverage on a new vehicle may earn a small discount because new model year vehicles have to meet stringent safety requirements.
- Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get a discount up to 10%.
- Theft Deterrent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more on Impreza insurance in Philadelphia.
As a sidenote, most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think you could get a free car insurance policy, company stockholders wouldn’t be very happy.
The example below illustrates the difference between Subaru Impreza premium costs with and without discounts applied to the premium. The data assumes a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, safe-driver, marriage, and multi-car discounts applied.
Companies and a partial list of their discounts can be found below.
- Farmers Insurance has savings for multi-car, pay in full, good student, bundle discounts, and business and professional.
- State Farm may offer discounts for multiple autos, defensive driving training, driver’s education, accident-free, good student, student away at school, and safe vehicle.
- Liberty Mutual has discounts for new vehicle discount, safety features, hybrid vehicle, new move discount, good student, multi-policy, and exclusive group savings.
- MetLife includes discounts for accident-free, multi-policy, good student, good driver, defensive driver, and claim-free.
- Progressive may include discounts for online quote discount, multi-vehicle, multi-policy, good student, online signing, and homeowner.
Double check with every company what discounts are available to you. Some credits may not be offered in Philadelphia. If you would like to see a list of insurance companies that offer discounts in Pennsylvania, follow this link.
Premium rates and analysis
The premium information below covers different insurance rates for Subaru Impreza models. Learning a little about how prices are determined is important for you to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $202 | $326 | $398 | $24 | $120 | $1,070 | $89 |
| Impreza 2.5I 4WD Station Wagon | $202 | $326 | $398 | $24 | $120 | $1,070 | $89 |
| Impreza Outback Sport 4WD Station Wagon | $202 | $398 | $398 | $24 | $120 | $1,142 | $95 |
| Impreza 2.5I AWD 4-Dr | $228 | $398 | $398 | $24 | $120 | $1,168 | $97 |
| Impreza 2.5I Premium Package AWD 4-Dr | $228 | $468 | $398 | $24 | $120 | $1,238 | $103 |
| Impreza WRX 4WD Station Wagon | $228 | $468 | $398 | $24 | $120 | $1,238 | $103 |
| Impreza 2.5 GT 4WD Station Wagon | $254 | $468 | $398 | $24 | $120 | $1,264 | $105 |
| Impreza WRX AWD 4-Dr | $254 | $540 | $398 | $24 | $120 | $1,336 | $111 |
| Impreza 2.5I GT AWD 4-Dr | $254 | $540 | $398 | $24 | $120 | $1,336 | $111 |
| Impreza WRX STI 4WD Station Wagon | $254 | $540 | $398 | $24 | $120 | $1,336 | $111 |
| Get Your Own Customized Quote Go | |||||||
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in Philadelphia location which can affect auto insurance rates greatly.
Physical damage deductibles
When shopping for auto insurance, a common question is where should you set your physical damage deductibles. The rates shown below approximate the costs and benefits between high and low coverage deductibles. The first table uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $284 | $420 | $330 | $20 | $98 | $1,177 | $98 |
| Impreza 2.5I 4WD Station Wagon | $284 | $420 | $330 | $20 | $98 | $1,177 | $98 |
| Impreza Outback Sport 4WD Station Wagon | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Impreza 2.5I AWD 4-Dr | $320 | $512 | $330 | $20 | $98 | $1,305 | $109 |
| Impreza 2.5I Premium Package AWD 4-Dr | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Impreza WRX 4WD Station Wagon | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Impreza 2.5 GT 4WD Station Wagon | $356 | $602 | $330 | $20 | $98 | $1,431 | $119 |
| Impreza WRX AWD 4-Dr | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Impreza 2.5I GT AWD 4-Dr | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Impreza WRX STI 4WD Station Wagon | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $158 | $222 | $330 | $20 | $98 | $828 | $69 |
| Impreza 2.5I 4WD Station Wagon | $158 | $222 | $330 | $20 | $98 | $828 | $69 |
| Impreza Outback Sport 4WD Station Wagon | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Impreza 2.5I AWD 4-Dr | $178 | $270 | $330 | $20 | $98 | $896 | $75 |
| Impreza 2.5I Premium Package AWD 4-Dr | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Impreza WRX 4WD Station Wagon | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Impreza 2.5 GT 4WD Station Wagon | $198 | $318 | $330 | $20 | $98 | $964 | $80 |
| Impreza WRX AWD 4-Dr | $198 | $366 | $330 | $20 | $98 | $1,012 | $84 |
| Impreza 2.5I GT AWD 4-Dr | $198 | $366 | $330 | $20 | $98 | $1,012 | $84 |
| Impreza WRX STI 4WD Station Wagon | $198 | $366 | $330 | $20 | $98 | $1,012 | $84 |
| Get Your Own Customized Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can alter insurance rates noticeably.
Using the data above, we can ascertain that using a $100 deductible will cost you about $36 more each month or $432 for a full year than buying the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 25 months between claim filings, you would come out ahead if you opt for a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $114 |
| Average monthly premium for $1,000 deductibles (subtract): | – $78 |
| Monthly savings from raising deductible: | $36 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $36 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
Annual premiums for males compared to females in Philadelphia
The illustration below compares Subaru Impreza insurance prices for male and female drivers. The premiums assume no accidents, no driving violations, full coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.
Philadelphia Insurance Rates are Influenced by These Factors
The best way to find cheaper auto insurance is to take a look at the rating factors that are used to determine the price you pay for auto insurance. If you know what determines base rates, this enables informed choices that could help you find much lower annual insurance costs.
The list below includes some of the things used by companies to determine your rates.
- Policy claims cost money – If you’re an insured who likes to file claims don’t be surprised to see either a policy non-renewal or much higher rates. Auto insurance companies in Pennsylvania provide the best rates to people who only file infrequent claims. Auto insurance is designed for more catastrophic claims.
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Your age impacts your premiums – Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and are safer drivers. Drivers with little experience are statistically shown to be careless and easily distracted when driving with friends so they pay higher auto insurance rates.
The next chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
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Drive a fast car and pay more – The type of car, truck or SUV you are buying insurance for makes a significant difference in your premium level. The lowest performance passenger models normally have pretty low rates, but other factors influence the final cost greatly.
The chart below uses these assumptions: single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Subaru Impreza car insurance rates compared to other models that have a range of performance risks.
- Never allow your coverage to lapse – Driving with no insurance can get you a ticket and auto insurance companies will penalize you for letting your insurance lapse for non-payment. And not only will your rates increase, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the Pennsylvania DMV.
- Your address can push rates up or down – Being located in a small town can be a good thing when insuring your vehicles. Residents of big cities have to deal with traffic congestion and longer commute times. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft.
- Increase comp and collision deductibles to save – Comprehensive and collision coverage deductibles tell how much you are willing to pay before a claim is paid by your company. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of some claims that would be covered are a windshield broken by a bird, animal collisions, or theft of your vehicle. The more expense you choose to pay out-of-pocket, the better rate you will receive.
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Accidents can be expensive – Your driving citation history influences premium rates substantially. Drivers who don’t get tickets get better prices as compared to those with violations. Even one moving violation can increase the cost of insurance by as much as thirty percent. Drivers who have received careless citations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state in order to drive a vehicle legally.
The example below illustrates how speeding tickets and at-fault fender-benders drive up Subaru Impreza insurance rates for different age groups. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
- Compare rates if you consolidate your policies – Some insurance companies apply a discount to buyers that purchase more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, it’s still a good idea to compare Subaru Impreza rates in Philadelphia to verify if the discount is saving money. You may still be able to save even more by insuring with multiple companies.
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Subaru Impreza insurance claim data – Insurers use past loss statistics for each vehicle to help determine the rate you pay. Vehicles that are shown to have increased claim numbers or amounts will have increased rates. The table below outlines the compiled insurance loss statistics for Subaru Impreza vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is a value of 100. Numbers shown that are under 100 suggest a positive loss record, while numbers above 100 indicate frequent claims or tendency to have higher losses.
Subaru Impreza Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Subaru Impreza 4WD 96 80 110 79 78 81 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Shop online but buy locally
Many people still prefer to get advice from a local agent and there is nothing wrong with that. An additional benefit of comparing insurance prices online is the fact that drivers can get cheap insurance quotes and still have a local agent.
To help locate an agent, after submitting this simple form, the coverage information is emailed to insurance agents in Philadelphia who will return price quotes for your insurance coverage. You won’t need to contact any agents due to the fact that quote results will go directly to your email. You can find better rates without the usual hassles of price shopping. If for some reason you want to quote rates from a specific company, just find their quoting web page and give them your coverage information.
Finding the right insurer shouldn’t rely on just a low price. These are some valid questions you should ask.
- What companies can they write with?
- Do they prorate repair cost based on vehicle mileage?
- In the event of vehicle damage, can you pick the collision repair facility?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are they primarily personal or commercial lines agents in Philadelphia?
- Are they full-time agents?
- How long has their agency been open in Philadelphia?
- Does the company have a solid financial rating?
Exclusive agents vs. Independent agents
If you want to buy insurance from an insurance agent, it helps to know the two different agency structures from which to choose. Insurance policy providers can be categorized as either exclusive agents or independent agents.
Exclusive Insurance Agents
Exclusive insurance agents write business for a single company and examples are Allstate, State Farm and Farm Bureau. They usually cannot shop your coverage around so it’s a take it or leave it situation. They are trained well on their company’s products which aids in selling service over price.
Below are exclusive agencies in Philadelphia willing to provide rate quotes.
Erica Bantom Martin – State Farm Insurance Agent
1124 S Broad St – Philadelphia, PA 19146 – (215) 875-8100 – View Map
Joe Ems – State Farm Insurance Agent
7348 Frankford Ave – Philadelphia, PA 19136 – (215) 333-5100 – View Map
Trish Floyd – State Farm Insurance Agent
7706 Castor Ave – Philadelphia, PA 19152 – (215) 725-3000 – View Map
Independent Agencies or Brokers
These type of agents are not limited to a single company and that is an advantage because they can write policies through lots of different companies and find the cheapest rate. If they find a lower price, the business is moved internally and you don’t have to switch agencies. When comparing insurance prices, we highly recommend that you check rates from at a minimum one independent agency in order to compare the most rates.
Shown below are independent agents in Philadelphia that can give you price quote information.
Nigro Insurance Agency
35 Letitia St – Philadelphia, PA 19106 – (215) 278-9633 – View Map
America Insurance Agency Inc
7214 Frankford Ave – Philadelphia, PA 19135 – (800) 283-0500 – View Map
Terra Insurance Services
1879 Cottman Ave – Philadelphia, PA 19111 – (215) 742-3743 – View Map
Upon getting good responses to these questions as well as inexpensive Subaru Impreza insurance in Philadelphia quotes, you may have just found an auto insurance agent that is reliable enough to properly insure your vehicles.
There’s no such thing as the perfect insurance policy
Always remember that when buying your policy, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.
These are some specific questions could help you determine whether you would benefit from professional advice.
- Why are teen drivers so expensive to add on to my policy?
- Can I afford to pay high deductible claims out of pocket?
- Are rock chip repairs covered?
- What does UM/UIM cover?
- Can I get by with minimal medical coverage if I have good health insurance?
- Do I pay less if my vehicle is kept in my garage?
- Is my nanny covered when driving my vehicle?
- Will I lose any money if I cancel my policy before it expires?
If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.
The best insurance company isn’t always the cheapest
Drivers change insurance companies for a variety of reasons including high prices, delays in paying claims, questionable increases in premium or even not issuing a premium refund. It doesn’t matter why you want to switch switching companies can be easier than you think.
When you buy Philadelphia car insurance online, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced full coverage only to regret that they should have had better coverage. The goal is to get the best coverage possible for the lowest price and still be able to protect your assets.
More affordable auto insurance in Philadelphia is definitely available on the web in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not offer rates over the internet and usually these small, regional companies provide coverage only through independent insurance agents.
To read more, take a look at the following helpful articles:
- Vehicle Insurance (Wikipedia)
- Who Has Affordable Philadelphia Auto Insurance for First-time Drivers? (FAQ)
- Who Has the Cheapest Philadelphia Auto Insurance for Lyft Drivers? (FAQ)
- How Much is Philadelphia Auto Insurance for Drivers Over Age 50? (FAQ)
- What Car Insurance is Cheapest for a Chevrolet Traverse in Philadelphia? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Nurses in Philadelphia? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Speed and Speed Limit FAQ (iihs.org)