Insurance quote for Subaru Impreza in Fort WayneHow long has it been since you compared quotes for more affordable Subaru Impreza insurance in Fort Wayne? Wish you could get out of overpriced Subaru Impreza insurance in Fort Wayne? Don't sweat it because you are not the only one feeling buyer's remorse.

A study showed that the vast majority of consumers have remained with the same auto insurance company for over three years, and roughly 40% of drivers have never shopped around. With the average auto insurance premium being $1,400, Fort Wayne drivers can save hundreds of dollars each year, but they just don't want to shop around. Insurance companies such as Progressive, State Farm and GEICO constantly blast consumers with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

Low cost Subaru Impreza insurance prices in Fort Wayne

Finding cheap Fort Wayne auto insurance rates isn't really that difficult. Consumers just need to take a couple of minutes getting comparison quotes online from several insurance companies.

Doing online quotes comparisons is so easy that it replaces the need to actually drive to local Fort Wayne insurance agencies. Doing it all online has reduced the need for local agents unless you have a complicated situation and need the professional assistance that only an agent can give. Some companies do allow you to obtain prices from the web but have your policy serviced through an agent.

The companies shown below provide free rate quotes in Indiana. If the list has multiple companies, we suggest you compare several of them to find the cheapest car insurance rates.

Subaru Impreza Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $130 $186 $286 $16 $86 $704 $59
Impreza 2.5I 4WD Station Wagon $136 $202 $264 $16 $80 $698 $58
Impreza Outback Sport 4WD Station Wagon $188 $370 $270 $16 $80 $924 $77
Impreza 2.5I AWD 4-Dr $268 $502 $340 $20 $102 $1,232 $103
Impreza 2.5I Premium Package AWD 4-Dr $210 $422 $294 $18 $88 $1,032 $86
Impreza WRX 4WD Station Wagon $248 $472 $290 $18 $86 $1,114 $93
Impreza 2.5 GT 4WD Station Wagon $190 $340 $318 $18 $94 $960 $80
Impreza WRX AWD 4-Dr $144 $322 $318 $18 $94 $896 $75
Impreza 2.5I GT AWD 4-Dr $292 $668 $364 $22 $110 $1,456 $121
Impreza WRX STI 4WD Station Wagon $298 $680 $340 $20 $102 $1,440 $120
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in garaging location in Fort Wayne which can change premium rates greatly.

Where to set your deductibles

When buying car insurance, a common question is how high should the deductibles for physical damage be. The tables below summarize the rate fluctuation when you select higher and lower policy deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Subaru Impreza insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $242 $358 $280 $16 $84 $1,005 $84
Impreza 2.5I 4WD Station Wagon $242 $358 $280 $16 $84 $1,005 $84
Impreza Outback Sport 4WD Station Wagon $242 $436 $280 $16 $84 $1,083 $90
Impreza 2.5I AWD 4-Dr $272 $436 $280 $16 $84 $1,113 $93
Impreza 2.5I Premium Package AWD 4-Dr $272 $514 $280 $16 $84 $1,191 $99
Impreza WRX 4WD Station Wagon $272 $514 $280 $16 $84 $1,191 $99
Impreza 2.5 GT 4WD Station Wagon $304 $514 $280 $16 $84 $1,223 $102
Impreza WRX AWD 4-Dr $304 $592 $280 $16 $84 $1,301 $108
Impreza 2.5I GT AWD 4-Dr $304 $592 $280 $16 $84 $1,301 $108
Impreza WRX STI 4WD Station Wagon $304 $592 $280 $16 $84 $1,301 $108
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Subaru Impreza insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $134 $188 $280 $16 $84 $702 $59
Impreza 2.5I 4WD Station Wagon $134 $188 $280 $16 $84 $702 $59
Impreza Outback Sport 4WD Station Wagon $134 $230 $280 $16 $84 $744 $62
Impreza 2.5I AWD 4-Dr $152 $230 $280 $16 $84 $762 $64
Impreza 2.5I Premium Package AWD 4-Dr $152 $270 $280 $16 $84 $802 $67
Impreza WRX 4WD Station Wagon $152 $270 $280 $16 $84 $802 $67
Impreza 2.5 GT 4WD Station Wagon $168 $270 $280 $16 $84 $818 $68
Impreza WRX AWD 4-Dr $168 $312 $280 $16 $84 $860 $72
Impreza 2.5I GT AWD 4-Dr $168 $312 $280 $16 $84 $860 $72
Impreza WRX STI 4WD Station Wagon $168 $312 $280 $16 $84 $860 $72
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in specific zip code location which can change rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $32 more each month or $384 every year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 28 months between claims, you would most likely save money by going with a higher deductible. The numbers below show how you can make your own decision.

Average monthly premium for $100 deductibles: $98
Average monthly premium for $1,000 deductibles (subtract): - $66
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One big caveat is that increasing deductibles to save money results in more money out-of-pocket at claim time. That will require some extra savings in order to pay the higher deductible in order to repair your vehicle.

Car insurance rates by gender and age in Fort Wayne

The information below shows the difference between Subaru Impreza car insurance costs for male and female drivers. The premium estimates are based on no claims or violations, full coverage, $100 deductibles, single marital status, and no other discounts are factored in.

How violations and accidents impact rates

The example below illustrates how violations and fender-benders increase Subaru Impreza insurance premiums for each age group. The data is based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Three reasons to insure your Subaru vehicle

Despite the high cost, buying auto insurance is a good idea for several reasons.

The benefits of insuring your car are without a doubt worth the cost, especially if you ever need it. According to a recent study, the average American driver overpays more than $820 a year so we recommend shopping around once a year at a minimum to make sure the price is not too high.

Car insurance discounts help lower rates for Subaru Impreza insurance in Fort Wayne

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so we took the time to find both the well known and also the more inconspicuous discounts that you may qualify for. If you check and find you aren't receiving every discount available, you are just wasting money.Save money with discounts

While discounts sound great, it's important to understand that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like you could get a free car insurance policy, that's just not realistic.

To choose insurance companies that offer the discounts shown above in Indiana, click here to view.

Comparing quotes from local Fort Wayne insurance agencies

Some people still prefer to sit down and talk to an agent and often times that is recommended Insurance agents are trained to spot inefficiencies and help in the event of a claim. An additional benefit of comparing auto insurance online is you can get lower premium rates and still buy from a local agent. Buying insurance from local insurance agents is still important in Fort Wayne.

Fort Wayne insurance agentsTo find an agent, once you fill out this short form, the coverage information is transmitted to agents in your area that can give you free Fort Wayne car insurance quotes for your business. There is no reason to search for an agent since price quotes are sent directly to your email. If you need to get a comparison quote from one company in particular, you can always search and find their rate quote page and submit a quote form there.

Choosing the best insurance company requires more thought than just a cheap quote. These are some valid questions you should ask.

Quote more to save more

Cheap Subaru Impreza insurance in Fort Wayne is possible both online and from local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies do not offer online quoting and these regional carriers only sell through independent agents.

Throughout this article, we presented a lot of techniques to compare Subaru Impreza insurance prices in Fort Wayne. The key thing to remember is the more companies you get rates for, the better likelihood of getting affordable Subaru Impreza insurance quotes. You may even discover the biggest savings come from a company that doesn't do a lot of advertising. These companies may often insure only within specific states and give getter rates compared to the large companies like Progressive or GEICO.

As you restructure your insurance plan, don't be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

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