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.

Insurance quote for Subaru Impreza in EvansvilleUnthinkable 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.

Subaru Impreza Insurance Costs in Evansville, IN
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.Car insurance discounts

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.

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
BETTER
AVERAGE
WORSE

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.

Insurance agents in EvansvilleFor 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.

Independent Agents

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.


3000 E Division St - Evansville, IN 47711 - (812) 424-5503 - View Map


7424 Eagle Crest Blvd - Evansville, IN 47715 - (812) 473-5100 - View Map

ET Shield Insurance Agency
4405 Theater Dr - Evansville, IN 47715 - (812) 469-9907 - View Map

More Evansville agents

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.


419 E Diamond Ave - Evansville, IN 47711 - (812) 425-3300 - View Map


5531 E Indiana St b - Evansville, IN 47715 - (812) 492-9700 - View Map


5600 E Virginia St - Evansville, IN 47715 - (812) 962-5801 - View Map

More Evansville agents

Picking the best car insurance agent is decision based upon more than just a cheap quote. Some important questions to ask are:

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.

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