It takes a few minutes, but the best way to find better pricing on Subaru Impreza insurance in Tucson is to start comparing prices regularly from providers in Arizona. You can shop around by completing these steps.
- First, try to learn a little about how car insurance works and the things you can control to prevent expensive coverage. Many risk factors that drive up the price like distracted driving and poor credit can be controlled by paying attention to minor details.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while independent agencies can provide prices from multiple insurance companies.
- Third, compare the new quotes to the price on your current policy and determine if there is any savings. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.
- Fourth, provide notification to your current company of your intent to cancel your current car insurance policy. Submit the application along with any required down payment to your new company or agent. Don’t forget to put the new certificate verifying proof of insurance in an easily accessible location in your vehicle.
One key aspect when comparing rates is to try to use similar coverage information on each price quote and and to get prices from every company you can. Doing this guarantees an apples-to-apples comparison and a complete price analysis.
We don’t have to point out that fact that auto insurance companies want to prevent you from shopping around. Insureds who shop around annually will, in all likelihood, buy a new policy because of the high probability of getting low-cost coverage. A recent survey revealed that drivers who compared rates once a year saved $3,400 over four years compared to policyholders who never shopped for cheaper rates.
If finding discount rates on Subaru Impreza insurance in Tucson is why you’re here, then knowing the best ways to shop for insurance can make it easier to shop your coverage around.
All the larger car insurance companies give prices on the web. Comparing Subaru Impreza insurance rates online is pretty painless because it’s just a matter of typing in the coverage amounts you desire into the quote form. Once you submit the form, the company’s rating system obtains reports for credit and driving violations and generates pricing information.
Getting online rates for Subaru Impreza insurance in Tucson makes it easy to compare insurance prices and it’s absolutely necessary to do this if you want to find a lower rate.
To quickly compare rates now, compare rates from the companies below. If you have coverage now, it’s recommended that you enter the limits and deductibles identical to your current policy. This guarantees you’re receiving a price comparison for similar insurance coverage.
The companies shown below are our best choices to provide free quotes in Tucson, AZ. If you wish to find cheap car insurance in Tucson, we recommend you visit as many as you can to get the lowest price.
Protect more than your Subaru vehicle
Even though it’s not necessarily cheap to insure a Subaru in Tucson, insuring your vehicle may be required and benefits you in several ways.
- Almost all states have mandatory insurance requirements which means the state requires a specific minimum amount of liability coverage if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Subaru, it’s guaranteed your bank will require you to have insurance to guarantee loan repayment. If the policy lapses, the lender may insure your Subaru at a much higher rate and force you to pay the higher premium.
- Auto insurance preserves both your assets and your Subaru. It also can pay for medical bills that are the result of an accident. Liability insurance will also pay attorney fees if you cause an accident and are sued. If your Subaru gets damaged, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance more than offset the price you pay, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying over $855 a year so we recommend shopping around each time the policy renews to make sure the price is not too high.
Subaru Impreza insurance charts and tables
The rate table displayed next showcases a range of insurance costs for Subaru Impreza models. Having knowledge of how policy premiums are calculated can be useful 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 | $224 | $314 | $306 | $18 | $92 | $954 | $80 |
| Impreza 2.5I 4WD Station Wagon | $224 | $314 | $306 | $18 | $92 | $954 | $80 |
| Impreza Outback Sport 4WD Station Wagon | $224 | $382 | $306 | $18 | $92 | $1,022 | $85 |
| Impreza 2.5I AWD 4-Dr | $254 | $382 | $306 | $18 | $92 | $1,052 | $88 |
| Impreza 2.5I Premium Package AWD 4-Dr | $254 | $450 | $306 | $18 | $92 | $1,120 | $93 |
| Impreza WRX 4WD Station Wagon | $254 | $450 | $306 | $18 | $92 | $1,120 | $93 |
| Impreza 2.5 GT 4WD Station Wagon | $282 | $450 | $306 | $18 | $92 | $1,148 | $96 |
| Impreza WRX AWD 4-Dr | $282 | $518 | $306 | $18 | $92 | $1,216 | $101 |
| Impreza 2.5I GT AWD 4-Dr | $282 | $518 | $306 | $18 | $92 | $1,216 | $101 |
| Impreza WRX STI 4WD Station Wagon | $282 | $518 | $306 | $18 | $92 | $1,216 | $101 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific location information which can lower or raise auto insurance rates considerably.
Comparison of policy deductibles
One common question asked by Tucson drivers is how high or low should comp and collision deductibles be. The following tables determine the premium difference between low and high insurance deductibles. The first rate quote example uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Impreza 2.5I 4WD Station Wagon | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Impreza Outback Sport 4WD Station Wagon | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Impreza 2.5I AWD 4-Dr | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Impreza 2.5I Premium Package AWD 4-Dr | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Impreza WRX 4WD Station Wagon | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Impreza 2.5 GT 4WD Station Wagon | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Impreza WRX AWD 4-Dr | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Impreza 2.5I GT AWD 4-Dr | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Impreza WRX STI 4WD Station Wagon | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Impreza 2.5I 4WD Station Wagon | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Impreza Outback Sport 4WD Station Wagon | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Impreza 2.5I AWD 4-Dr | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Impreza 2.5I Premium Package AWD 4-Dr | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Impreza WRX 4WD Station Wagon | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Impreza 2.5 GT 4WD Station Wagon | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Impreza WRX AWD 4-Dr | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Impreza 2.5I GT AWD 4-Dr | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Impreza WRX STI 4WD Station Wagon | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower rates considerably.
Based on this data, using a $100 deductible would cost the average driver about $23 more each month or $276 every year than choosing the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 17 months between claim filings, you would save more money if you decide on a higher deductible. Here’s how you can make your own decision.
| Average monthly premium for $100 deductibles: | $104 |
| Average monthly premium for $500 deductibles (subtract): | – $81 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One thing to note is that raising deductibles to save money results in more money out-of-pocket when you have to file a claim. You must have a higher level of savings in the event you need to pay more to get your vehicle repaired.
The example below shows how different deductible levels and can impact Subaru Impreza insurance prices for different age groups of insureds. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Full coverage rates compared to liability-only
The example below shows the comparison of Subaru Impreza premium costs with and without physical damage coverage. The information is based on no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are applied.
Should you buy full coverage or liability only?
There isn’t a steadfast formula to delete physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s pretend your Subaru Impreza replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying over $600 annually for your policy with full coverage, then it could be time to drop full coverage.
There are a few situations where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
Discounts can help to save on Subaru Impreza insurance in Tucson
Some insurance providers don’t always advertise all possible discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known auto insurance savings.
- Discounts for New Vehicles – Putting auto insurance coverage on a new Impreza can save up to 30% because newer models are generally safer.
- No Claim Discounts – Drivers with accident-free driving histories get the best auto insurance rates as compared to accident-prone drivers.
- Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks simply for signing on your computer.
- Professional Memberships – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on your next auto insurance statement.
- Safety Course Discount – Taking part in a course teaching defensive driver skills could earn you a small percentage discount and make you a better driver.
- Drive Less and Save – Low mileage vehicles could qualify for lower prices on the low mileage vehicles.
- Active Service Discounts – Being deployed with a military unit could mean lower premium rates.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.
- Accident Waiver – This one isn’t a discount, but companies like GEICO, Allstate and Liberty Mutual allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
Please keep in mind that most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The illustration below shows the difference between Subaru Impreza insurance rates with and without discounts being applied to the rates. The premiums are based on a female driver, no violations or claims, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, marriage, homeowner, and safe-driver discounts applied.
A few popular companies and a partial list of their discounts are:
- Farmers Insurance offers discounts including switch companies, youthful driver, bundle discounts, multi-car, mature driver, and early shopping.
- State Farm policyholders can earn discounts including good driver, Drive Safe & Save, defensive driving training, anti-theft, student away at school, good student, and Steer Clear safe driver discount.
- Liberty Mutual offers premium reductions for newly retired, exclusive group savings, safety features, multi-car, and new graduate.
- MetLife may have discounts that include accident-free, defensive driver, multi-policy, good student, good driver, and claim-free.
- Progressive has savings for multi-policy, online signing, continuous coverage, homeowner, multi-vehicle, good student, and online quote discount.
When comparing rates, check with every company which discounts can lower your rates. Discounts may not be offered in Tucson. To find auto insurance companies who offer free Subaru Impreza insurance quotes in Arizona, click here.
Neighborhood Tucson auto insurance agents
Some consumers prefer to talk to an insurance agent and that can be a great decision The best thing about comparing auto insurance online is you may find the lowest rates and still choose a local agent. Buying from and supporting local agencies is still important in Tucson.
To help locate an agent, after submitting this short form, the quote information is emailed to insurance agents in Tucson who will give competitive quotes for your insurance coverage. You won’t even need to contact any insurance agencies since price quotes are sent to you. You’ll get the best rates without having to waste a lot of time. If for some reason you want to get a comparison quote from one company in particular, you just need to visit that company’s website and fill out their quote form.
If you would like to find a local agent, there are a couple of different agency structures and how they differ in how they quote coverages. Auto insurance agencies can either be independent or exclusive depending on the company they work for.
Independent Auto Insurance Agents
Agents in the independent channel are not employed by any specific company and that enables them to quote your coverage with an assortment of companies depending on which coverage is best. If your premiums go up, they simply move the coverage in-house and you don’t have to switch agencies.
If you are comparing auto insurance prices, we highly recommend that you get some free quotes from several independent agencies to maximize your price options. Most also have access to small regional insurance companies that many times have cheaper rates.
Below is a short list of independent insurance agencies in Tucson who may provide rate quotes.
- Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727 – View Map - RightSure Insurance Group
5151 E Broadway Blvd #120 – Tucson, AZ 85711 – (520) 901-7010 – View Map - Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900 – View Map
Exclusive Agencies
Exclusive agencies can usually just insure with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. Exclusive insurance agents receive extensive training in insurance sales which helps overcome the inability to quote other rates. Some insured continue to use the same agent partially due to the prominent brand name and the convenience of having all coverages with one company.
Shown below are Tucson exclusive agencies that are able to give comparison quotes.
- Julie Burnett – State Farm Insurance Agent
6590 E Tanque Verde Rd B – Tucson, AZ 85715 – (520) 885-2321 – View Map - Casey Santoro – State Farm Insurance Agent
4231 W Ina Rd Ste 121 – Tucson, AZ 85741 – (520) 744-2400 – View Map - Tom DeBerry – State Farm Insurance Agent
4178 E 22nd St – Tucson, AZ 85711 – (520) 745-2800 – View Map
Deciding on a auto insurance agent should depend on more than just a cheap price. Some important questions to ask are:
- What kind of financial rating does the company have?
- In the event of vehicle damage, can you pick the collision repair facility?
- What companies can they write with?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Which companies do they recommend if they are an independent agency?
- Do they receive special compensation for putting your coverage with one company over another?
After getting positive feedback as well as offering an affordable quote, you’ve probably found an auto insurance agent that can be trusted to provide auto insurance coverage.
Lower rates by being persistent
You just learned some good ideas how you can compare Subaru Impreza insurance rates in Tucson. It’s most important to understand that the more quotes you get, the better your chances of lowering your auto insurance rates. You may even find the most savings is with a lesser-known regional company.
Consumers leave their current company for a variety of reasons including questionable increases in premium, policy cancellation, denial of a claim and even poor customer service. Whatever your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
Some car insurance companies don’t offer online price quotes and these smaller providers provide coverage only through independent agents. Cheap Subaru Impreza insurance in Tucson can be purchased both online as well as from independent agents in Tucson, so you need to compare both to get a complete price analysis.
More information is located on the following sites:
- What to do at the Scene of an Accident (Insurance Information Institute)
- How Much are Tucson Auto Insurance Rates for a Ford F-150? (FAQ)
- How Much is Tucson Auto Insurance for a GMC Acadia? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Low Credit Scores in Tucson? (FAQ)
- What Insurance is Cheapest for a Chevrolet Silverado in Tucson? (FAQ)
- What Auto Insurance is Cheapest for Teenage Males in Tucson? (FAQ)
- Who Has Cheap Auto Insurance for Business Use in Tucson? (FAQ)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- What is Gap Insurance? (Insurance Information Institute)