It’s amazing but over 70% of Florida drivers have purchased from the same company for a minimum of four years, and roughly 40% of drivers have never shopped around. Consumers in America could pocket roughly 46.5% a year just by comparing rates, but they don’t believe the rate savings if they replace their high priced policy.
The easiest way to save money on Subaru Impreza insurance is to start doing an annual price comparison from companies who provide car insurance in Orlando. Prices can be compared by completing these steps.
- Step 1: Read about how companies price auto insurance and the things you can change to keep rates low. Many things that drive up the price such as accidents, traffic violations, and poor credit history can be rectified by paying attention to minor details. Keep reading for information to prevent high prices and get discounts that may be available to you.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and Allstate, while independent agencies can quote prices from multiple insurance companies.
- Step 3: Compare the quotes to your existing coverage and see if there is a cheaper rate in Orlando. If you can save money and buy the policy, make sure coverage is continuous and does not lapse.
The key aspect of shopping around is to make sure you enter identical coverages on each quote and and to get rates from as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and a good representation of prices.
The easiest way to compare insurance rates in your area utilizes the fact most larger insurance companies participate in a system to give rate comparisons. The one thing you need to do is provide a little information including the ages of drivers, marital status, if a SR-22 is required, and if you have a valid license. The data is instantly sent to all major companies and you will receive price estimates with very little delay.
To compare cheap Subaru Impreza insurance rates now, click here and complete the quick form.
The companies in the list below can provide price quotes in Florida. If you want to find cheap car insurance in Florida, we recommend you compare several of them in order to find the lowest rates.
Subaru Impreza insurance rates and statistics
The information shown next covers a range of insurance prices for Subaru Impreza models. Learning how car insurance premiums are calculated can help guide drivers when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $172 | $290 | $472 | $28 | $142 | $1,104 | $92 |
| Impreza 2.5I 4WD Station Wagon | $172 | $290 | $472 | $28 | $142 | $1,104 | $92 |
| Impreza Outback Sport 4WD Station Wagon | $172 | $352 | $472 | $28 | $142 | $1,166 | $97 |
| Impreza 2.5I AWD 4-Dr | $194 | $352 | $472 | $28 | $142 | $1,188 | $99 |
| Impreza 2.5I Premium Package AWD 4-Dr | $194 | $414 | $472 | $28 | $142 | $1,250 | $104 |
| Impreza WRX 4WD Station Wagon | $194 | $414 | $472 | $28 | $142 | $1,250 | $104 |
| Impreza 2.5 GT 4WD Station Wagon | $216 | $414 | $472 | $28 | $142 | $1,272 | $106 |
| Impreza WRX AWD 4-Dr | $216 | $478 | $472 | $28 | $142 | $1,336 | $111 |
| Impreza 2.5I GT AWD 4-Dr | $216 | $478 | $472 | $28 | $142 | $1,336 | $111 |
| Impreza WRX STI 4WD Station Wagon | $216 | $478 | $472 | $28 | $142 | $1,336 | $111 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in specific location which can raise or lower premiums substantially.
Should you raise deductibles?
One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The rates below help summarize the costs and benefits when you select higher and lower physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $322 | $446 | $418 | $24 | $124 | $1,359 | $113 |
| Impreza 2.5I 4WD Station Wagon | $322 | $446 | $418 | $24 | $124 | $1,359 | $113 |
| Impreza Outback Sport 4WD Station Wagon | $322 | $544 | $418 | $24 | $124 | $1,457 | $121 |
| Impreza 2.5I AWD 4-Dr | $364 | $544 | $418 | $24 | $124 | $1,499 | $125 |
| Impreza 2.5I Premium Package AWD 4-Dr | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Impreza WRX 4WD Station Wagon | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Impreza 2.5 GT 4WD Station Wagon | $406 | $640 | $418 | $24 | $124 | $1,637 | $136 |
| Impreza WRX AWD 4-Dr | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| Impreza 2.5I GT AWD 4-Dr | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| Impreza WRX STI 4WD Station Wagon | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $200 | $280 | $418 | $24 | $124 | $1,046 | $87 |
| Impreza 2.5I 4WD Station Wagon | $200 | $280 | $418 | $24 | $124 | $1,046 | $87 |
| Impreza Outback Sport 4WD Station Wagon | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Impreza 2.5I AWD 4-Dr | $224 | $342 | $418 | $24 | $124 | $1,132 | $94 |
| Impreza 2.5I Premium Package AWD 4-Dr | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Impreza WRX 4WD Station Wagon | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Impreza 2.5 GT 4WD Station Wagon | $250 | $402 | $418 | $24 | $124 | $1,218 | $102 |
| Impreza WRX AWD 4-Dr | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Impreza 2.5I GT AWD 4-Dr | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Impreza WRX STI 4WD Station Wagon | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price information does not factor in specific location which can change premium rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $33 more each month or $396 every year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claim filings, you would probably come out ahead by going with a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $250 deductibles: | $131 |
| Average monthly premium for $1,000 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
One important issue to know is that higher deductibles means you will have to pay more if you have a claim. You should have enough extra savings in the event you need to pay the deductible.
Impact of speeding/accidents on Orlando auto insurance rates
The diagram below shows how speeding tickets and at-fault collisions influence Subaru Impreza insurance prices for different age categories. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Rate comparison of male drivers versus female drivers
The example below shows the comparison of Subaru Impreza car insurance rates for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no other discounts are factored in.
Full coverage or liability only
The illustration below compares Subaru Impreza annual premium costs with and without full coverage. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, single status, and no discounts are applied.
When to stop buying full coverage
There is no set rule of when to exclude full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your Subaru Impreza claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after the deductible is paid. If it’s costing you more than $300 a year for physical damage coverage, then it may be the right time to buy liability only.
There are some scenarios where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.
Orlando auto insurance discounts
Companies that sell car insurance don’t always advertise all their discounts in an easy-to-find place, so below is a list some of the best known and the more hidden discounts that you can inquire about if you buy Orlando car insurance online.
- Club Memberships – Having an affiliation with a civic or occupational organization in Orlando may earn a discount on your bill.
- Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Discount for Life Insurance – Larger auto insurance companies have a discounted auto insurance rate on car insurance if you buy auto and life insurance together.
- Switch and Save Discount – A few insurance companies offer discounts for switching companies prior to your current Impreza insurance policy expiration. It can save you around 10%.
- Drive Less and Save – Fewer annual miles on your Subaru could earn lower prices on the low mileage vehicles.
- Defensive Driver – Taking part in a course teaching defensive driver skills can save you 5% or more and make you a better driver.
Policy discounts save money, but most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you could get a free auto insurance policy, you aren’t that lucky.
The example below shows the difference between Subaru Impreza insurance costs with and without policy discounts. The costs are based on a female driver, no violations or claims, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, marriage, claim-free, and multi-car discounts applied.
A few of the larger companies and their offered discounts are detailed below.
- State Farm policyholders can earn discounts including good student, multiple policy, good driver, Drive Safe & Save, and driver’s education.
- Nationwide offers discounts including good student, Farm Bureau membership, anti-theft, business or organization, multi-policy, family plan, and defensive driving.
- GEICO has discounts for membership and employees, anti-lock brakes, federal employee, defensive driver, multi-vehicle, and emergency military deployment.
- AAA discounts include good student, education and occupation, multi-policy, good driver, anti-theft, and AAA membership discount.
- 21st Century offers discounts for defensive driver, early bird, homeowners, automatic seat belts, driver training, teen driver, and student driver.
- The Hartford has savings for driver training, good student, vehicle fuel type, defensive driver, bundle, and air bag.
If you need lower rates, check with each company how you can save money. All car insurance discounts might not be offered on policies in every state. If you would like to view insurance companies that offer many of these discounts in Orlando, click this link.
Why you need insurance
Even though Orlando Impreza insurance rates can get expensive, insurance is mandatory in Florida but it also protects more than you think.
- Just about all states have minimum liability requirements which means state laws require specific minimum amounts of liability protection if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Impreza with a loan, almost all lenders will make it mandatory that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may have to buy a policy to insure your Subaru for a lot more money and require you to reimburse them for the expensive policy.
- Insurance protects not only your car but also your assets. It will also provide coverage for most medical and hospital costs incurred in an accident. Liability insurance also covers legal expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of insuring your car more than offset the price you pay, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $869 every year so shop around at every policy renewal to make sure the price is not too high.
Florida car insurance company ratings
Ending up with a good quality car insurance company can be challenging considering how many companies sell insurance in Florida. The company rank data listed below may help you analyze which car insurance providers you want to consider shopping your coverage with.
Top 10 Orlando Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Local Orlando car insurance agents
Some people would prefer to sit down and talk to an agent and that is OK! Good agents can help you build your policy and help you file claims. A good thing about comparing rates online is you can get cheap car insurance quotes and also buy local. And buying from local agencies is especially important in Orlando.
Once you complete this short form, your coverage information is instantly submitted to companies in Orlando that can give you free Orlando car insurance quotes for your car insurance coverage. You never need to find an agent on your own since price quotes are sent to you instantly. If you want to get a rate quote from one company in particular, you can always go to their quote page and fill out the quote form the provide.
What types of car insurance agents are in Orlando?
When looking for a good Orlando insurance agent, it’s important to understand the different agency structures from which to choose. Car insurance agencies are categorized either exclusive or independent (non-exclusive). Either can properly insure your vehicles, but it is a good idea to know the subtle differences since it may influence which agent you choose.
Independent Car Insurance Agencies
Agents that choose to be independent are not locked into one company and that gives them the ability to insure through many different car insurance companies and find you cheaper rates. To move your coverage to a new company, your agent can switch companies and that require little work on your part. If you are comparing rate quotes, you will want to include rate quotes from at a minimum one independent agency for maximum quote selection. Most can insure with mutual insurance companies that may have much lower rates than larger companies.
Featured below is a list of independent insurance agents in Orlando who may be able to give you comparison quotes.
- Bud Redditt Insurance Agency Inc
1716 W Colonial Dr – Orlando, FL 32804 – (407) 855-6797 – View Map - Corkhill Insurance Agency, LLC
20 S Bumby Ave – Orlando, FL 32803 – (407) 898-8891 – View Map - Universal Insurance Agency
1548 S Semoran Blvd – Orlando, FL 32807 – (407) 898-1116 – View Map
Exclusive Agents
Agents of this type can usually just insure with one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agencies are well trained on the products they sell which helps overcome the inability to quote other rates. A lot of people buy from exclusive agents mostly because of loyalty to the company and the convenience of having all coverages with one company.
The following are Orlando exclusive agencies that are able to give price quotes.
- Allstate Insurance: Luis Diaz
1634 Hillcrest St – Orlando, FL 32803 – (407) 823-8232 – View Map - Rick Fowler – State Farm Insurance Agent
2700 Corrine Dr – Orlando, FL 32803 – (407) 897-8100 – View Map - Curtis Hunter – State Farm Insurance Agent
3354 Curry Ford Rd – Orlando, FL 32806 – (407) 898-0061 – View Map
Finding the right insurance agent requires more thought than just the bottom line cost. Some important questions to ask are:
- Is the agency active in community causes in Orlando?
- Are aftermarket or OEM parts used to repair vehicles?
- Can glass claims be handled at your home?
- If independent agents, which companies do they recommend?
- Do they get paid more for recommending certain coverages?