Compare Subaru Impreza Insurance Quotes in Lubbock

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Discount Subaru Impreza insuranceSearching for cheaper insurance for a new or used Subaru Impreza in Texas can normally be a lot of work, but you can learn these tips to save time. There are both good and bad ways to find insurance online so we're going to tell you the absolute fastest way to quote coverages for a Subaru and locate the lowest price either online or from Lubbock insurance agents.

If you are insured now or are looking for a new policy, use these money-saving tips to save money and still get good coverage. Comparison shopping for the most affordable insurance coverage in Lubbock is not as time-consuming as you think. Drivers just need to understand the quickest method to compare rates over the internet.

The easiest way to compare car insurance company rates for Subaru Impreza insurance in Lubbock is to know most larger insurance companies participate in a system to give free rates quotes. All you need to do is give the companies some data such as how much school you completed, if a SR-22 is needed, driver details, and if it has an alarm system. The rating information is instantly provided to multiple top-rated companies and you should receive rate quotes instantly.

To find lower cheaper Subaru Impreza insurance rates now, click here and see if a lower rate is available in Lubbock.

The providers in the list below have been selected to offer quotes in Lubbock, TX. If you want cheap car insurance in Lubbock, we recommend you visit as many as you can to get a more complete price comparison.

Why you need to buy insurance

Despite the high cost, insurance may not be optional for several reasons.

  • Almost all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability insurance coverage in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your vehicle, most banks will stipulate that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may insure your Subaru for a much higher rate and require you to reimburse them for the expensive policy.
  • Insurance safeguards your car and your assets. Insurance will pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses in the event you are sued. If your Subaru gets damaged, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having insurance are definitely more than the cost, specifically if you ever have a liability claim. The average driver in Texas overpays as much as $865 each year so you should quote and compare rates once a year at a minimum to ensure rates are competitive.

Premium rates and analysis

The coverage table shown below showcases estimates of prices for Subaru Impreza models. Having knowledge of how insurance prices are calculated can help customers make decisions when shopping your coverage around.

Subaru Impreza Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $364 $598 $514 $30 $154 $1,660 $138
Impreza 2.5I 4WD Station Wagon $364 $598 $514 $30 $154 $1,660 $138
Impreza Outback Sport 4WD Station Wagon $364 $728 $514 $30 $154 $1,790 $149
Impreza 2.5I AWD 4-Dr $410 $728 $514 $30 $154 $1,836 $153
Impreza 2.5I Premium Package AWD 4-Dr $410 $858 $514 $30 $154 $1,966 $164
Impreza WRX 4WD Station Wagon $410 $858 $514 $30 $154 $1,966 $164
Impreza 2.5 GT 4WD Station Wagon $458 $858 $514 $30 $154 $2,014 $168
Impreza WRX AWD 4-Dr $458 $988 $514 $30 $154 $2,144 $179
Impreza 2.5I GT AWD 4-Dr $458 $988 $514 $30 $154 $2,144 $179
Impreza WRX STI 4WD Station Wagon $458 $988 $514 $30 $154 $2,144 $179
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise rates substantially.

An analysis of deductible level

A question often asked by Lubbock drivers is at what level do you set your deductibles. The rates shown below can help you understand the price difference when you choose different physical damage coverage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Subaru Impreza insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $294 $408 $382 $22 $114 $1,245 $104
Impreza 2.5I 4WD Station Wagon $294 $408 $382 $22 $114 $1,245 $104
Impreza Outback Sport 4WD Station Wagon $294 $496 $382 $22 $114 $1,333 $111
Impreza 2.5I AWD 4-Dr $332 $496 $382 $22 $114 $1,371 $114
Impreza 2.5I Premium Package AWD 4-Dr $332 $584 $382 $22 $114 $1,459 $122
Impreza WRX 4WD Station Wagon $332 $584 $382 $22 $114 $1,459 $122
Impreza 2.5 GT 4WD Station Wagon $370 $584 $382 $22 $114 $1,497 $125
Impreza WRX AWD 4-Dr $370 $672 $382 $22 $114 $1,585 $132
Impreza 2.5I GT AWD 4-Dr $370 $672 $382 $22 $114 $1,585 $132
Impreza WRX STI 4WD Station Wagon $370 $672 $382 $22 $114 $1,585 $132
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Subaru Impreza insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $240 $328 $382 $22 $114 $1,086 $91
Impreza 2.5I 4WD Station Wagon $240 $328 $382 $22 $114 $1,086 $91
Impreza Outback Sport 4WD Station Wagon $240 $400 $382 $22 $114 $1,158 $97
Impreza 2.5I AWD 4-Dr $270 $400 $382 $22 $114 $1,188 $99
Impreza 2.5I Premium Package AWD 4-Dr $270 $472 $382 $22 $114 $1,260 $105
Impreza WRX 4WD Station Wagon $270 $472 $382 $22 $114 $1,260 $105
Impreza 2.5 GT 4WD Station Wagon $300 $472 $382 $22 $114 $1,290 $108
Impreza WRX AWD 4-Dr $300 $542 $382 $22 $114 $1,360 $113
Impreza 2.5I GT AWD 4-Dr $300 $542 $382 $22 $114 $1,360 $113
Impreza WRX STI 4WD Station Wagon $300 $542 $382 $22 $114 $1,360 $113
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in specific garaging location which can impact coverage rates substantially.

We can derive from the above data that using a $250 deductible costs roughly $16 more each month or $192 annually averaged for all Impreza models than selecting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 16 months between claims, you would more than likely save some money if you opt for a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $120
Average monthly premium for $500 deductibles (subtract): - $104
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important note is that increasing deductibles to save money results in more money out-of-pocket if you have a claim. You should have enough money put aside in the event you need to pay more for the deductible.

Cautious drivers save money

The diagram below illustrates how speeding tickets and fender-benders raise Subaru Impreza annual premium costs for different insured age categories. The premiums are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

Males versus Females

The example below shows the comparison of Subaru Impreza premium costs for male and female drivers. The data is based on no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no other discounts are factored in.

Cost of full coverage in Lubbock

The chart below shows the comparison of Subaru Impreza annual premium costs with liability coverage only compared to full coverage. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There is no set guideline to delete physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Subaru Impreza claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the deductible is paid. If it's costing in excess of $400 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some conditions where removing full coverage is not advised. If you haven't satisfied your loan, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Cheaper rates with these discounts

Insurance is not an enjoyable expense, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically at quote time, but some must be requested specifically before you get the savings. If you check and find you aren't receiving every discount possible, you may be paying too high a price.Insurance discounts

  • Bundle and Save - If you can combine your homeowners and auto policy with the same insurance company you could earn a discount of at least 10% off all policies.
  • Theft Deterrent System - Cars with anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Lubbock car insurance quote.
  • Mature Driver Discount - Seniors could receive better insurance rates.
  • Own a Home and Save - Simply owning a home can get you a discount because owning a home means you have a higher level of financial diligence.
  • Payment Method - By making one initial payment instead of making monthly payments you could save 5% or more.
  • Paperwork-free - Certain larger companies will give a small break for signing up online.
  • No Claim Discounts - Lubbock drivers who stay claim-free are rewarded with significantly better rates on Lubbock car insurance quote as compared to insureds who have frequent claims or accidents.

As a sidenote, most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, it doesn't quite work that way.

The example below shows the comparison of Subaru Impreza insurance costs with and without discounts. The premium estimates are based on a female driver, no accidents, no driving violations, Texas 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 safe-driver, marriage, claim-free, multi-car, homeowner, and multi-policy discounts applied.

A list of insurance companies and a partial list of their discounts are included below.

  • Mercury Insurance offers discounts for multi-car, location of vehicle, type of vehicle, anti-theft, annual mileage, and low natural disaster claims.
  • Farmers Insurance may have discounts that include distant student, electronic funds transfer, bundle discounts, early shopping, homeowner, youthful driver, and alternative fuel.
  • Farm Bureau may include discounts for safe driver, driver training, multi-vehicle, good student, renewal discount, multi-policy, and 55 and retired.
  • State Farm has savings for Steer Clear safe driver discount, accident-free, Drive Safe & Save, anti-theft, and multiple policy.
  • Allstate has discounts for anti-lock brakes, EZ pay plan discount, teenSMART discount, anti-theft, senior citizen, FullPay discount, and defensive driver.
  • GEICO discounts include five-year accident-free, air bags, anti-lock brakes, federal employee, good student, multi-vehicle, and defensive driver.

Before purchasing a policy, check with every company what discounts are available to you. Some of the discounts discussed earlier may not be available in Lubbock. If you would like to view providers with significant discounts in Lubbock, follow this link.

Auto insurance agents near you

Many people still like to visit with an insurance agent and that is a personal choice. Professional agents are highly skilled in risk management and help in the event of a claim. A good thing about comparing auto insurance online is you can get cheaper premium rates but still work with a licensed agent.

Find insurance agent in LubbockAfter filling out this form (opens in new window), your information is sent to participating agents in Lubbock that give free quotes and help you find cheaper coverage. You don't have to do any legwork since rate quotes are delivered to you instantly. If you wish to compare prices for a specific company, feel free to find their quoting web page to submit a rate quote request.

Finding the right company requires more thought than just the price. Here are some questions you might want to ask.

  • Can you choose the body shop in case repairs are needed?
  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
  • Do they specialize in personal lines coverage in Lubbock?
  • Will high miles depreciate repair valuations?
  • Do they have designations such as AIC, CPCU, or CIC?
  • Is coverage determined by price?
  • Which family members are covered?
  • How long has their agency been open in Lubbock?

If you want a reliable insurance agent, you need to know there are two types of insurance agents and how they function. Auto insurance agents can either be exclusive or independent agents depending on their company appointments. Either one can write policy coverage, but it is important to understand the subtle differences since it can impact which type of agent you select.

Exclusive Auto Insurance Agencies

These type of agents normally can only provide a single company's rates like AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to provide other company's prices so they have to upsell other benefits. They receive extensive training on the products they sell and that allows them to sell at a higher price point. Consumers frequently buy from exclusive agents mainly due to the brand name rather than having the cheapest rates.

Below are exclusive agents in Lubbock that are able to give rate quotes.

View more Lubbock agents

Independent Auto Insurance Agents

Agents of this type are not employed by one company so they can write business with an assortment of companies and find the cheapest rate. If prices rise, your agent can just switch to a different company and you don't have to do anything.

If you are trying to find cheaper rates, you will want to check rates from multiple independent agents to get the best comparison. Many write coverage with smaller companies which can save you money.

Shown below is a short list of independent agents in Lubbock who can help you get price quotes.

View more Lubbock agents

Don't give up on cheap premiums

Consumers leave their current company for many reasons like delays in paying claims, high rates after DUI convictions, policy non-renewal or even policy cancellation. Regardless of your reason for switching companies, switching companies is less work than it seems.

While you're price shopping online, do not buy poor coverage just to save money. There have been many cases where an insured dropped physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find for the lowest price, but do not skimp to save money.

Lower-priced Subaru Impreza insurance in Lubbock can be bought online and from local agencies, and you should compare rates from both to have the best rate selection. Some companies may not have rates over the internet and these smaller companies sell through local independent agencies.

How to save money on Subaru Impreza insurance in Lubbock

If saving money is your primary concern, then the best way to find affordable Subaru Impreza insurance is to regularly compare price quotes from companies who can sell car insurance in Lubbock. You can shop around by following these steps.

  • Step 1: Try to understand how companies set rates and the modifications you can make to prevent expensive coverage. Many policy risk factors that result in higher rates such as getting speeding tickets and a not-so-good credit rating can be controlled by making minor driving habit or lifestyle changes.
  • Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agencies can provide prices for a wide range of companies.
  • Step 3: Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Step 4: Provide notification to your current company of your intent to cancel your current coverage. Submit a completed policy application and payment to your new carrier. Once received, put the proof of insurance certificate with your vehicle's registration.

One thing to remember is to use identical limits and deductibles on every price quote and and to look at as many car insurance companies as possible. This guarantees a fair rate comparison and the best price selection.

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