Subaru Impreza insurance image courtesy of QuoteInspector.com
Finding economical insurance for a Subaru Impreza in New York depends on a whole bunch of factors such as how you use your Impreza, the condition of your credit, and your motor vehicle report. New York drivers pay approximately $780 each year to insure their Impreza, but that is using a 50-year-old married male driver with full coverage and $250 deductibles.
When projecting a rate like this, the problem is that you are not 50 years old and maybe not even male, single instead of married, or maybe you have a speeding ticket that needs to be factored in. Having just a slight change in rating criteria or coverage limits can result in a massive change in how much coverage for a Subaru Impreza costs.
Auto insurance is not the same for everyone, so the best method for finding the most affordable coverage for your Subaru is to put in the effort to do a thorough rate comparison.
The specific trim level tends to have a direct impact on the cost of coverage, so the rate you pay to insure a Impreza 2.5I 4WD Station Wagon model will be $198 less than the price to insure the more costly Impreza WRX STI 4WD Station Wagon model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Impreza 2.5I 4WD Station Wagon||$160||$240||$254||$16||$76||$746||$62|
|Impreza 2.5I 4WD Station Wagon||$160||$240||$254||$16||$76||$746||$62|
|Impreza Outback Sport 4WD Station Wagon||$160||$292||$254||$16||$76||$798||$67|
|Impreza 2.5I AWD 4-Dr||$180||$292||$254||$16||$76||$818||$68|
|Impreza 2.5I Premium Package AWD 4-Dr||$180||$346||$254||$16||$76||$872||$73|
|Impreza WRX 4WD Station Wagon||$180||$346||$254||$16||$76||$872||$73|
|Impreza 2.5 GT 4WD Station Wagon||$200||$346||$254||$16||$76||$892||$74|
|Impreza WRX AWD 4-Dr||$200||$398||$254||$16||$76||$944||$79|
|Impreza 2.5I GT AWD 4-Dr||$200||$398||$254||$16||$76||$944||$79|
|Impreza WRX STI 4WD Station Wagon||$200||$398||$254||$16||$76||$944||$79|
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in Buffalo location which can decrease or increase prices noticeably.
Comparing rates for cost effective insurance is hard enough, and determining which companies quote the most affordable car insurance rates for a Subaru Impreza will take more quotes for comparison. Each company uses a little different formula for determining rates in each state, so first let's look at the rankings for the most affordable car insurance companies in New York.
It's important to know that Buffalo car insurance rates are impacted by many factors that may substantially change the cost of having a policy. Improving your credit rating, getting divorced, or getting a ticket for running a stop sign can trigger changes in premium resulting in some rates now being cheaper than competitors.
Find Cheaper Car Insurance for Your Impreza
|Rank||Company||Cost Per Year|
|10||New York Central Mutual||$1,818|
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USAA normally has some of the best car insurance rates in Buffalo at around $1,152 annually. Erie, Progressive, Travelers, and Utica National also are some of the best Buffalo, NY insurance companies.
In this example, if you are currently insured with Progressive and switched to USAA, you might realize yearly savings of approximately $344. Policyholders with Travelers may save as much as $361 a year, and Utica National customers might lower prices by $397 a year.
To find the cheapest rates for your vehicle, click here to begin a quote or quote prices from the following companies.
Bear in mind that those policy prices are averaged for all drivers and vehicles in New York and and are not figured with an exact vehicle garaging location for a Subaru Impreza. So the car insurance company that fits your age and vehicle best may not even be in the top 20 companies in the list above. That illustrates why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
How accidents and tickets impact rates
The best way to enjoy the cheapest car insurance prices in New York for an Impreza is to drive safe and avoid tickets and accidents. The chart below highlights how speeding tickets and at-fault fender-benders influence auto insurance costs for different insured age categories. The data is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of an auto insurance policy in Buffalo per year with no accidents or violations is $1,192. Factor in two speeding tickets and the average cost surges to $1,685, an increase of $494 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Subaru Impreza increases to an average of $3,555. That's an increase of $2,363, or $197 per month, just for being a little careless behind the wheel!
Your low-price policy may be costing you money
New York car insurance rates are influenced by many factors which can significantly increase or decrease your annual premium. Improving your credit score, increasing deductibles, or getting a driving violation may cause policy rate changes that can make some companies more affordable than others. Not only may your risk profile change, but car insurance companies change premium rates every year or even multiple times each year to reflect underwriting profits or losses. An unexpected high level of claims may cause higher rates, while lower claim expenses may produce cheaper Impreza insurance rates.
For instance, the chart below analyzes the cheapest car insurance in Buffalo, NY for a 35-year-old male driver with no prior accidents, a clean driving record, and great credit. When comparing rates based on his current situation, USAA quotes the best car insurance rates in Buffalo at $1,954 annually. This is $121 less than the average rate paid by New York drivers of $2,075. Erie, Utica National, Travelers, and Allstate also make the list of the best Buffalo, NY auto insurance companies.
In this example, we will give the driver from the above example a claim or two, a little lower credit rating, and a stop sign violation. Since each auto insurer uses their own formula to determining premium rates, comparing prices could result in a new list of affordable companies as shown below.
MetLife now has the best auto insurance rate in Buffalo, NY with Amica, Preferred Mutual, Erie, and New York Central Mutual also being competitive. This demonstrates why it is critical to compare rates when trying to find the cheapest car insurance quotes for a Subaru Impreza. Insurance rates are influenced by many risk factors and can change without notice, so the cheapest rate the last time you shopped your coverage around may now be one of the higher cost companies.
How to find cheaper insurance for a Subaru Impreza
The list below summarizes some of the better penny-pinching ideas that can help New York drivers get lower-cost coverage.
- Improve your credit score
- Avoid accidents and claims
- Raise deductibles
- Be a safe driver
- Full coverage may not be needed on older vehicles
- Vehicles with good safety ratings are usually cheaper to insure
- Shop around for cheaper prices
The last tip is highly significant, as we hit on in this piece. Car insurance rates change frequently, so don't be tentative to change insurance companies if a more affordable price is available. Brand loyalty is great, but it's not a great idea if that faithfulness ends up costing you a lot of money every month. Take a few minutes and compare prices to find cheaper auto insurance for a Subaru Impreza in Buffalo.
If you aren't sure which coverage to buy and prefer to have a consultation when comparing insurance rates for an Impreza, the agencies below can answer your questions and help you decide which coverages you need.
To locate a Buffalo car insurance agency close to you, click the button below the list.
Jacob Hauck Agency Inc
801 Main St - Buffalo, NY 14203 - (716) 853-3820
Niagara County Insurance
1171 Delaware Ave - Buffalo, NY 14209 - (716) 881-6666
Dan Schmidt - State Farm Insurance Agent
615 Elmwood Ave - Buffalo, NY 14222 - (716) 783-9460
Senior American Insurance Agency Inc
2001 Niagara Falls Blvd # 10 - Buffalo, NY 14228 - (800) 332-7557