Remarkably, a study showed that the vast majority of Colorado auto insurance customers have purchased from the same company for more than four years, and roughly 40% of drivers have never even compared quotes to find lower-cost rates. With the average premium in America being $1,847, drivers can cut their rates by 47% a year by just shopping around, but they just don’t understand how easy it is to compare rates online.
If saving the most money is your goal, then the best way to find affordable Subaru Impreza insurance is to start doing a yearly price comparison from companies who provide car insurance in Aurora. Price quotes can be compared by following these guidelines.
First, spend a few minutes and learn about how companies price auto insurance and the measures you can control to prevent rate increases. Many policy risk factors that are responsible for high rates such as high-risk driving behaviors and a less-than-favorable credit score can be improved by making minor changes to your lifestyle. Later in this article we will cover ideas to prevent high rates and get discounts that may be available to you.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can provide prices from many different companies.
Third, compare the new rates to your existing coverage and see if you can save money. If you can save money, verify that coverage does not lapse between policies.
The most important part of this process is that you use the same deductibles and limits on every price quote and and to get price quotes from as many companies as you can. This provides an accurate price comparison and maximum price selection.
The best way to compare car insurance rates for Subaru Impreza insurance in Aurora utilizes the fact most of the bigger providers actually pay money for the chance to compare their rates. The one thing you need to do is take a few minutes to give details including the type of vehicles you drive, an estimate of your credit level, driver details, and marital status. That rating information gets transmitted to many different companies and they return cost estimate with very little delay.
To find the cheapest Subaru Impreza insurance rates, click here then complete the form.
The following companies offer price quotes in Aurora, CO. If you want to find the cheapest car insurance in Colorado, we suggest you click on several of them in order to find the lowest rates.
Car insurance does more than just protect your car
Despite the high insurance cost for a Subaru Impreza in Aurora, car insurance serves a purpose in several ways.
First, just about all states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance coverage in order to get the vehicle licensed. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if your car has a lienholder, most lenders will have a requirement that you buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Subaru at a significantly higher premium and require you to reimburse them the higher price.
Third, car insurance protects your Subaru and your assets. Insurance will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of having car insurance greatly outweigh the cost, especially when you need to use it. Today the average American driver is overpaying more than $855 a year so we recommend shopping around once a year at a minimum to help ensure money is not being wasted.
Rates and detailed analysis
The data table displayed below showcases a range of policy rates for Subaru Impreza models. Learning a little about how rates are figured can help guide drivers when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $200 | $278 | $362 | $22 | $108 | $970 | $81 |
| Impreza 2.5I 4WD Station Wagon | $200 | $278 | $362 | $22 | $108 | $970 | $81 |
| Impreza Outback Sport 4WD Station Wagon | $200 | $340 | $362 | $22 | $108 | $1,032 | $86 |
| Impreza 2.5I AWD 4-Dr | $226 | $340 | $362 | $22 | $108 | $1,058 | $88 |
| Impreza 2.5I Premium Package AWD 4-Dr | $226 | $400 | $362 | $22 | $108 | $1,118 | $93 |
| Impreza WRX 4WD Station Wagon | $226 | $400 | $362 | $22 | $108 | $1,118 | $93 |
| Impreza 2.5 GT 4WD Station Wagon | $252 | $400 | $362 | $22 | $108 | $1,144 | $95 |
| Impreza WRX AWD 4-Dr | $252 | $460 | $362 | $22 | $108 | $1,204 | $100 |
| Impreza 2.5I GT AWD 4-Dr | $252 | $460 | $362 | $22 | $108 | $1,204 | $100 |
| Impreza WRX STI 4WD Station Wagon | $252 | $460 | $362 | $22 | $108 | $1,204 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in zip code location which can revise coverage prices noticeably.
Raise deductibles and save
One common question asked by Aurora drivers is at what level do you set your deductibles. The following tables show the differences in price when you buy lower versus higher physical damage coverage deductibles. The first rate comparisons uses a $100 deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $302 | $448 | $352 | $20 | $106 | $1,253 | $104 |
| Impreza 2.5I 4WD Station Wagon | $302 | $448 | $352 | $20 | $106 | $1,253 | $104 |
| Impreza Outback Sport 4WD Station Wagon | $302 | $546 | $352 | $20 | $106 | $1,351 | $113 |
| Impreza 2.5I AWD 4-Dr | $342 | $546 | $352 | $20 | $106 | $1,391 | $116 |
| Impreza 2.5I Premium Package AWD 4-Dr | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| Impreza WRX 4WD Station Wagon | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| Impreza 2.5 GT 4WD Station Wagon | $380 | $644 | $352 | $20 | $106 | $1,527 | $127 |
| Impreza WRX AWD 4-Dr | $380 | $740 | $352 | $20 | $106 | $1,623 | $135 |
| Impreza 2.5I GT AWD 4-Dr | $380 | $740 | $352 | $20 | $106 | $1,623 | $135 |
| Impreza WRX STI 4WD Station Wagon | $380 | $740 | $352 | $20 | $106 | $1,623 | $135 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| Impreza 2.5I 4WD Station Wagon | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| Impreza Outback Sport 4WD Station Wagon | $168 | $288 | $352 | $20 | $106 | $934 | $78 |
| Impreza 2.5I AWD 4-Dr | $190 | $288 | $352 | $20 | $106 | $956 | $80 |
| Impreza 2.5I Premium Package AWD 4-Dr | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Impreza WRX 4WD Station Wagon | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Impreza 2.5 GT 4WD Station Wagon | $210 | $340 | $352 | $20 | $106 | $1,028 | $86 |
| Impreza WRX AWD 4-Dr | $210 | $390 | $352 | $20 | $106 | $1,078 | $90 |
| Impreza 2.5I GT AWD 4-Dr | $210 | $390 | $352 | $20 | $106 | $1,078 | $90 |
| Impreza WRX STI 4WD Station Wagon | $210 | $390 | $352 | $20 | $106 | $1,078 | $90 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Prices do not factor in specific garaging location which can impact premiums significantly.
Based on the figures above, using a $100 deductible could cost the average driver approximately $39 more each month or $468 annually than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 23 months between claims, you would more than likely save some money by going with a higher deductible.
Car insurance policy discounts for Subaru Impreza insurance in Aurora
Companies do not advertise the entire discount list very clearly, so here is a list some of the more common as well as the least known credits available to bring down your rates. If you are not receiving all the discounts available, you could be paying more than you need to.
- Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get lower premium rates.
- Telematics Devices – People who choose to allow data collection to scrutinize driving habits by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they have good driving habits.
- Good Grades Discount – Getting good grades may save you up to 25%. You can use this discount normally up to age 25.
- Seat Belt Usage – Requiring all passengers to buckle up before driving may be able to save a few bucks off the personal injury premium cost.
- More Vehicles More Savings – Insuring all your vehicles on a single policy may reduce the rate for each vehicle.
- Military Rewards – Being on active duty in the military could mean lower prices.
- Theft Deterrent Discount – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and can earn a small discount on your policy.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.
- Discounts for Good Drivers – Drivers without accidents could pay up to 40% less than drivers with accident claims.
- Savings for New Vehicles – Adding a new car to your policy can save you some money since new model year vehicles are generally safer.
Remember that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will lower your premiums.
The diagram below shows the difference between Subaru Impreza car insurance costs with and without discounts being applied to the rates. The prices are based on a female driver, a clean driving record, no claims, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, safe-driver, and claim-free discounts applied.
A few companies that possibly offer many of the previously listed discounts include:
If you want affordable Aurora auto insurance quotes, ask every company which discounts can lower your rates. Some discounts listed above may not apply in every state. To locate car insurance companies that offer multiple discounts in Colorado, click here to view.
Are car insurance agents used anymore?
Some people just prefer to talk to an insurance agent. One of the benefits of comparing rates online is that you can find cheap auto insurance rates and still buy from a local agent. Buying from and supporting neighborhood agents is important particularly in Aurora.
After filling out this form (opens in new window), the quote information is instantly submitted to insurance agents in Aurora who will return price quotes and help you find cheaper coverage. It makes it easy because there is no need to drive around because prices are sent straight to your inbox. You can find the lowest rates without the usual hassles of price shopping. In the event you want to get a price quote for a specific company, you can always search and find their rate quote page and fill out the quote form the provide.
How to choose the best car insurance agent in Aurora
If you are wanting to find a reliable insurance agent, you should know the different agency structures and how they are distinctly different. Insurance agencies in Aurora can be classified as either independent or exclusive depending on the company they work for.
Independent Auto Insurance Agents
Agents in the independent channel are not required to write business for one company so as a result can place your coverage through many companies and find the cheapest rate. If premiums increase, an independent agent can move your coverage without you having to go to a different agency. When comparing rate quotes, you absolutely need to compare prices from at least one independent agent in order to compare the most rates.
Below is a partial list of independent agencies in Aurora that can give you free auto insurance rate quotes.
A All City Auto Insurance
9720 E Colfax Ave – Aurora, CO 80010 – (303) 364-0555 – View Map
Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 – View Map
All Drivers Insurance
12142 E Mississippi Ave – Aurora, CO 80012 – (303) 695-1000 – View Map
Exclusive Auto Insurance Agents
Exclusive agents can only place business with one company such as Farmers Insurance, State Farm, or Allstate. These agents are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents are highly trained on what they offer and that enables them to sell even at higher rates.
Shown below are exclusive agents in Aurora that are able to give price quotes.
American Family Insurance – Richard Ahrenkiel
2260 S Xanadu Way Ste 257 – Aurora, CO 80014 – (303) 750-6508 – View Map
Lawrence Neal – State Farm Insurance Agent
15037 E Colfax Ave k – Aurora, CO 80011 – (303) 340-8849 – View Map
American Family Insurance – Steve Sellers Agency Inc.
15200 E Girard Ave Ste 4025 – Aurora, CO 80014 – (303) 696-2698 – View Map
Picking the best car insurance agent requires you to look at more than just the price. These are valid questions to ask:
- Who are their largest clients?
- Will your rates increase after a single accident?
- How long have they been in business?
- Are aftermarket or OEM parts used to repair vehicles?
- Do the coverages you’re quoting properly cover your vehicle?
Quote more and you will save more
We just covered many ways to lower your Subaru Impreza insurance car insurance rates in Aurora. The key thing to remember is the more companies you get premium rates for, the better likelihood of getting low cost Aurora auto insurance quotes. You may even find the best car insurance rates are with a smaller regional carrier. These smaller insurers can often provide lower premium rates in certain areas as compared to the big name companies such as Allstate or State Farm.
Affordable Subaru Impreza insurance in Aurora is attainable from both online companies in addition to local insurance agencies, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide online price quotes and these regional insurance providers work with independent agencies.
To learn more, link through to the following helpful articles:
- Cellphones, Texting and Driving (iihs.org)
- Who Has Affordable Auto Insurance Rates for a Jeep Wrangler in Aurora? (FAQ)
- Who Has Cheap Car Insurance for a Toyota Highlander in Aurora? (FAQ)
- Who Has Affordable Auto Insurance Rates for Inexperienced Drivers in Aurora? (FAQ)
- How Much is Aurora Car Insurance for Drivers with Good Credit? (FAQ)
- Who Has Affordable Auto Insurance for a Toyota 4Runner in Aurora? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- What are my Rights when Filing a Claim? (Insurance Information Institute)