Insurance for Subaru ImprezaWould you like to buy more affordable Subaru Impreza insurance in Denver? Are you tired of scraping nickels together to pay your car insurance bill each month? You have the same problem as most other drivers in Colorado.

Remarkably, a study showed that 70% of consumers kept buying from the same company for a minimum of four years, and 38% of customers have never compared rate quotes at all. Many drivers in Denver could save up to 35% a year by just comparing rate quotes, but they just don't understand the actual amount they would save if they just switched companies.

Because you have many different company options, it can be impossible to find the most affordable car insurance company.

It's important to compare rates quite often because car insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Subaru Impreza insurance in Denver a few years ago you will most likely find a better rate quote today. There is a lot of wrong information about Impreza insurance on the web, but in a few minutes you can learn some of the best ways to slash your car insurance rates in Denver.

Compare Subaru Impreza insurance rates

When price shopping your coverage, comparing more quotes gives you a better chance of getting better pricing. Not every company provides price estimates online, so you also need to get rates from those companies as well.

The companies shown below offer comparison quotes in Denver, CO. If multiple companies are shown, it's highly recommended you click on several of them to get a more complete price comparison.

Subaru Impreza Insurance Costs in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $246 $346 $362 $22 $108 $1,084 $90
Impreza 2.5I 4WD Station Wagon $294 $440 $358 $22 $108 $1,222 $102
Impreza Outback Sport 4WD Station Wagon $216 $424 $426 $26 $128 $1,220 $102
Impreza 2.5I AWD 4-Dr $214 $362 $396 $24 $118 $1,114 $93
Impreza 2.5I Premium Package AWD 4-Dr $162 $350 $396 $24 $118 $1,050 $88
Impreza WRX 4WD Station Wagon $300 $620 $426 $26 $128 $1,500 $125
Impreza 2.5 GT 4WD Station Wagon $164 $288 $338 $20 $100 $910 $76
Impreza WRX AWD 4-Dr $292 $614 $330 $20 $98 $1,354 $113
Impreza 2.5I GT AWD 4-Dr $364 $836 $456 $28 $136 $1,820 $152
Impreza WRX STI 4WD Station Wagon $182 $382 $368 $22 $110 $1,064 $89
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Information does not factor in garaging location in Denver which can impact prices greatly.

Illustration showing the impact of accidents and violations

The illustration below illustrates how traffic citations and at-fault collisions can affect Subaru Impreza insurance prices for each age group. The premiums assume a married male driver, full coverage, $100 deductibles, and no other discounts are factored in.

Rate difference between full and liability-only coverage

The chart below illustrates the difference between Subaru Impreza insurance rates with full coverage and liability only. The data is based on no claims, a clean driving record, $100 deductibles, single male driver, and no policy discounts are applied.

When to drop comprehensive and collision

There isn't a steadfast formula to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Subaru Impreza claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after paying your deductible. If premium cost is more than $400 annually to have full coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Policy deductible comparison

One common question asked by Denver drivers is which deductible level should you buy. The tables below highlight the difference in cost between high and low policy deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Subaru Impreza insurance premium estimates with $100 deductibles
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
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Subaru Impreza insurance premium estimates 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

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, claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in garaging location in Denver which can decrease or increase auto insurance rates greatly.

We can derive from the above data that using a $100 deductible will cost you approximately $39 more each month or $468 a year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 23 months between claim filings, you would probably save some money by going with a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): - $83
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Auto insurance just makes sense

Even though it can be expensive, insurance is required for several reasons.

The benefits of buying auto insurance are without a doubt worth the cost, especially for larger claims. An average driver in America is overpaying over $825 a year so you should quote your policy with other companies at least once a year to ensure rates are competitive.

Learn How to Lower Your Insurance Premiums

Many factors are considered when premium rates are determined. Some of the criteria are obvious like your driving record, but other criteria are more obscure like your vehicle usage or your vehicle rating.

Slash rates with these price cutting discounts

Insurance is neither fun to buy or cheap, but there are discounts available to cut the cost considerably. Most are applied when you quote, but some must be asked for before they will apply.Cheaper insurance with discounts

You can save money using discounts, but most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it just doesn't work that way.

Insurance companies that may offer most of these discounts are:

It's a good idea to ask every prospective company which credits you are entitled to. Some of the discounts discussed earlier might not be offered on policies in every state. To view companies that offer the discounts shown above in Denver, click here to view.

Buying from insurance agents

A lot of people prefer to buy from a local agent and that is recommended in a lot of cases One of the best bonuses of price shopping on the web is the fact that drivers can get cheaper prices but also keep your business local. And buying from local insurance agencies is important particularly in Denver.

Find insurance agent in DenverAfter completing this simple form, your information is submitted to participating agents in Denver who will give you bids for your auto insurance coverage. It's much easier because you don't need to leave your house due to the fact that quote results will go directly to you. You can find lower rates without having to waste a lot of time. In the event you want to compare rates from a specific insurance company, just find their quoting web page and complete a quote there.

If you want to buy auto insurance from a reputable insurance agent or broker, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agencies in Denver can be categorized as either exclusive or independent.

Independent Agents

Agents in the independent channel are not limited to a single company so they have the ability to put coverage with multiple insurance companies and get you the best rates possible. If your agent finds better pricing, they simply switch companies in-house and you won't have to switch agencies. When searching for an agent, we recommend you get quotes from several independent agencies so that you can do a thorough price comparison.

The following is a short list of independent agents in Denver that may be able to give cheap rate quotes.


600 S Cherry St #900 - Denver, CO 80246 - (800) 636-6185 - View Map


1660 S Albion St # 1005 - Denver, CO 80222 - (303) 759-4551 - View Map


2696 CO-2 - Denver, CO 80222 - (303) 377-1172 - View Map

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Exclusive Auto Insurance Agencies

Agents that choose to be exclusive normally can only provide a single company's rates such as AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot place coverage with different providers so you might not find the best rates. Exclusive agents are usually quite knowledgeable on sales techniques which helps overcome the inability to quote other rates.

Below are exclusive agents in Denver who can help you get comparison quotes.


4840 Chambers Rd b - Denver, CO 80239 - (303) 595-9000 - View Map


2839 Wyandot St - Denver, CO 80211 - (720) 588-4111 - View Map


6200 E Yale Ave - Denver, CO 80222 - (303) 788-0777 - View Map

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Choosing the best auto insurance agent should include more criteria than just a cheap price. Any agent in Denver should be forthright in answering these questions:

Don't give up on affordable rates

Low-cost Subaru Impreza insurance in Denver can be sourced from both online companies and from local insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not offer rates over the internet and usually these regional insurance providers work with local independent agents.

As you quote Denver auto insurance, it's a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your objective should be to buy enough coverage at the lowest possible cost while still protecting your assets.

We just showed you many ways to find lower-cost Subaru Impreza insurance in Denver. It's most important to understand that the more you quote Denver auto insurance, the better likelihood of getting low cost Denver auto insurance quotes. You may even be surprised to find that the lowest priced insurance comes from the least-expected company. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

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