Insurance rates Subaru Impreza in AuroraHow long has it been since you compared quotes for lower-priced Subaru Impreza insurance in Aurora? Feeling guilty for buying an expensive insurance policy? It's a common feeling and there are many people just like you.

Astonishing but true, nearly 70% of Colorado drivers kept their coverage with the same insurance company for at least four years, and virtually 40% of consumers have never compared rate quotes at all. U.S. drivers could pocket about 46.5% a year by just shopping around, but most just don't grasp the big savings they would realize if they just switched companies.

Drivers have so many insurance companies to purchase coverage from, and even though it's nice to have a selection, lots of choices makes it harder to find the best rates for Subaru Impreza insurance in Aurora.

It is always a good idea to take a look at other company's rates as often as possible because insurance prices fluctuate regularly. If you had the best deal on Subaru Impreza insurance in Aurora on your last policy you can probably find a better rate quote now. Forget all the misinformation about insurance because we're going to show you the tricks you need to know to save on insurance.

Best companies for affordable Subaru Impreza insurance in Colorado

The companies shown below are ready to provide comparison quotes in Aurora, CO. If multiple companies are listed, we recommend you click on several of them in order to find the cheapest rates.

Subaru Impreza Insurance Price Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $236 $382 $338 $20 $100 $1,076 $90
Impreza 2.5I 4WD Station Wagon $296 $516 $426 $26 $128 $1,392 $116
Impreza Outback Sport 4WD Station Wagon $212 $388 $338 $20 $100 $1,058 $88
Impreza 2.5I AWD 4-Dr $236 $380 $330 $20 $98 $1,064 $89
Impreza 2.5I Premium Package AWD 4-Dr $184 $332 $358 $22 $108 $1,004 $84
Impreza WRX 4WD Station Wagon $298 $528 $358 $22 $108 $1,314 $110
Impreza 2.5 GT 4WD Station Wagon $272 $500 $426 $26 $128 $1,352 $113
Impreza WRX AWD 4-Dr $162 $324 $330 $20 $98 $934 $78
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
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can revise premiums greatly.

Age-based auto insurance rates by gender in Aurora

The example below compares Subaru Impreza car insurance costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Difference between liability only and full coverage rates

The information below illustrates the difference between Subaru Impreza annual premium costs with full physical damage coverage compared to only buying liability only. The prices are based on no driving violations, no at-fault accidents, $100 deductibles, single male driver, and no policy discounts are applied.

Should you be buying full coverage?

There is no definitive rule for dropping physical damage insurance, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's say your Subaru Impreza settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after paying your deductible. If you are paying over $300 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Physical damage deductible comparison

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The comparison tables below sum up how much more you'll pay between low and high deductibles. The first data set uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Subaru Impreza insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $272 $376 $352 $20 $106 $1,151 $96
Impreza 2.5I 4WD Station Wagon $272 $376 $352 $20 $106 $1,151 $96
Impreza Outback Sport 4WD Station Wagon $272 $458 $352 $20 $106 $1,233 $103
Impreza 2.5I AWD 4-Dr $306 $458 $352 $20 $106 $1,267 $106
Impreza 2.5I Premium Package AWD 4-Dr $306 $538 $352 $20 $106 $1,347 $112
Impreza WRX 4WD Station Wagon $306 $538 $352 $20 $106 $1,347 $112
Impreza 2.5 GT 4WD Station Wagon $342 $538 $352 $20 $106 $1,383 $115
Impreza WRX AWD 4-Dr $342 $620 $352 $20 $106 $1,465 $122
Impreza 2.5I GT AWD 4-Dr $342 $620 $352 $20 $106 $1,465 $122
Impreza WRX STI 4WD Station Wagon $342 $620 $352 $20 $106 $1,465 $122
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Subaru Impreza insurance rates with $1,000 deductibles
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

Prices above 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-policy, homeowner, multi-vehicle, and claim-free. Rate information does not factor in specific location information which can revise prices substantially.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $28 more each month or $336 for a full year than selecting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 27 months between claims, you would save more money by going with a higher deductible.

Get More Affordable Insurance Rates by Understanding These Factors

It's important that you understand some of the things that help calculate your premiums. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that will entitle you to cheaper rates.

Safety ratings are a factor - Cars with high safety ratings cost less to insure. These vehicles reduce occupant injuries and fewer serious injuries means less money paid by your insurance company which can result in lower premiums. If your Subaru has at least four stars on Safercar.gov you may qualify for a discount.

Policy add-ons add up - Insurance companies have many additional coverages that you can buy on your auto insurance policy. Coverages like vanishing deductibles, high-cost glass coverage, and term life insurance may be wasting your money. These coverages may sound good when talking to your agent, but your money might be better spent on other coverage so remove them from your policy.

Obey driving laws and save - Only having one chargeable violation may cause rates to rise by twenty percent. Good drivers tend to pay less for car insurance as compared to those with violations. Drivers who have careless citations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state's licensing department in order to keep their license.

Discounts for married couples - Having a wife or husband can get you a discount compared to being single. Having a significant other means you're more mature and insurance companies like that drivers who are married file infrequent claims.

Driver age impacts prices - Older people are more responsible, file fewer claims, and tend to be get fewer driving tickets.Inexperience drivers are known to be more careless when driving therefore auto insurance rates are much higher.

Does insurance cost more for men? - Statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. Both genders cause at-fault accidents at about the same rate, but males cause more damage. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.

Insurance losses for a Subaru Impreza - Car insurance companies factor in insurance loss information to calculate a rate that will offset losses. Models that have high amounts or severity of claims will have increased rates. The table below shows the insurance loss data used by companies for Subaru Impreza vehicles.

For each type of coverage, the claim probability for all vehicles, as an average, is a value of 100. Percentage values below 100 indicate better than average losses, while numbers that are greater than 100 show a trend for more claims or tendency to have higher losses.

Subaru Impreza Insurance Loss Statistics

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Subaru Impreza 4WD 96 80 110 79 78 81
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Subaru Impreza insurance discounts in Aurora

The price of auto insurance can be rather high, but there may be some discounts to reduce the price significantly. Many discounts should be triggered at the time of quoting, but less common discounts must be asked about before being credited.Discount auto insurance

As a sidenote, most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way.

A list of companies and their offered discounts can be read below.

If you want cheaper Aurora auto insurance quotes, ask each insurance company what discounts are available to you. Some of the discounts discussed earlier may not be available everywhere.

Local Aurora insurance agencies and car insurance

Some consumers still prefer to sit down and talk to an agent and that is OK! One of the great benefits of comparing rates online is you can get cheap car insurance quotes and still have a local agent. Buying from and supporting small agencies is still important in Aurora.

Aurora insurance agentsFor easy comparison, once you complete this quick form, your insurance coverage information gets sent to local insurance agents who will return price quotes for your insurance coverage. It's much easier because you don't need to visit any agencies because quoted prices will be sent straight to your inbox. You can find better rates and work with a local agent. If you need to compare rates from a specific car insurance provider, you just need to visit that company's website and fill out the quote form the provide.

Aurora car insurance agents come in two flavors

If you want to use a reliable insurance agency, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Aurora can be classified as either independent or exclusive.

Independent Agents

Independent insurance agents do not work for one specific company and that allows them to write policies with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you don't have to find a new agent.

If you are comparing car insurance prices, you will want to compare prices from at least one independent agent in order to have the best price comparison.

The following are independent insurance agents in Aurora that can possibly get you price quote information.


3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479 - View Map


9601 E Colfax Ave - Aurora, CO 80010 - (303) 577-2400 - View Map


1080 S Sable Blvd - Aurora, CO 80012 - (303) 344-2886 - View Map

More Aurora agents

Exclusive Agents

Exclusive agencies can only provide pricing for a single company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to place coverage with different providers so it's a take it or leave it situation. Exclusive agents receive extensive training on sales techniques and that allows them to sell at a higher price point.

Shown below is a list of exclusive insurance agencies in Aurora that are able to give price quotes.


9801 E Colfax Ave - Aurora, CO 80010 - (303) 344-1175 - View Map


1710 S Buckley Rd Unit 6 - Aurora, CO 80017 - (303) 752-1441 - View Map


4272 S Chambers Rd - Aurora, CO 80014 - (303) 699-3327 - View Map

More Aurora agents

Deciding on an insurance agent shouldn't rely on just a cheap quote. These are valid questions to ask:

Save $426 a year? Really?

Respected companies like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all advertise the message that you'll save big after switching to their company. But how can every company charge lower premium rates? It's all in the wording.

Different companies quote their cheapest rates for the type of driver that makes them money. For example, a desirable risk might have to be a married female, has never had a policy lapse, and has a high credit rating. A customer getting a price quote that meets those criteria will probably get the lowest premium rates and will most likely save money with a new company.

People who don't qualify for the "perfect" profile will have to pay higher rates with the end result being business not being written. If you listen closely, the ads state "people that switch" not "everyone who quotes" can get the lowest rates when switching. That's why insurance companies can confidently make claims that they all have the best prices.

That is why you absolutely need to compare price quotes frequently. It is just not possible to predict the company that will be your best fit.

What insurance coverages do I need?

When it comes to coverage online or from an agent, there isn't really a one-size-fits-all type of policy. Your needs are not the same as everyone else's.Safe vehicles cost less to insure

For example, these questions might help in determining if your situation might need professional guidance.

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Keep this in mind when shopping around

Lower-priced car insurance in Aurora is definitely available from both online companies and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies may not provide online price quotes and usually these regional insurance providers sell through independent agents.

Drivers switch companies for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, poor customer service or being labeled a high risk driver. It doesn't matter what your reason, choosing a new insurance company is easier than you think.

We covered some good ideas how you can reduce Subaru Impreza insurance premium rates online in Aurora. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even discover the biggest savings come from a small local company.

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