Find Cheaper Subaru Impreza Insurance in Oakland

How long has it been since you sat down and looked for lower-priced Subaru Impreza insurance in Oakland? Locating cheaper insurance for a Subaru Impreza in California can be difficult, but you can use the following methods and make it easy. There is a better way to buy insurance so you’re going to learn the best way to quote coverages on a Subaru and obtain the lowest price from Oakland insurance agents and online providers.

If you are already insured or just want cheaper rates, take advantage of these tips to get lower rates without sacrificing coverage. Comparing quotes for the cheapest insurance in Oakland is not as hard as you think. Smart shoppers just have to learn the least time-consuming way to shop their coverage around using one simple form.

Cheap Oakland Subaru Impreza insurance

The companies shown below are our best choices to provide price comparisons in California. To find cheap car insurance in California, it’s a good idea that you get rate quotes from several of them in order to find the most affordable rates.

Discounts for cheap insurance quotes

Companies offering auto insurance don’t list all possible discounts in an easy-to-find place, so the list below details a few of the more common and also the more inconspicuous credits that may apply to you.

• Oakland Homeowners Pay Less – Just owning your own home can save you money due to the fact that maintaining a home requires personal responsibility.
• Driver Training Discounts – Passing a driver safety course may get you a small discount if you qualify.
• Mature Driver Discount – Drivers over the age of 55 may be able to get a small discount on rates.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
• Theft Deterrent Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
• Fewer Miles Equal More Savings – Fewer annual miles on your Subaru could qualify for lower prices due to less chance of an accident.

Keep in mind that some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So even though you would think you can get free auto insurance, you’re out of luck. But all discounts will cut your overall premium however.

The diagram below shows the difference between Subaru Impreza insurance rates with and without discounts applied to the rates. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, homeowner, multi-car, and safe-driver discounts applied.

Insurance companies that may offer quotes with some of the above discounts may include but are not limited to:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• GEICO
• AAA

When comparing rates, check with every insurance company which credits you are entitled to. Some discounts may not apply in Oakland. To locate providers that offer discounts in California, click this link.

Subaru Impreza coverage analysis

The premium information displayed next showcases a range of insurance rates for Subaru Impreza models. Learning as much as possible about how car insurance premiums are figured is important for you to make decisions when choosing a new policy provider.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in vehicle location which can impact premium rates significantly.

Choosing deductibles

One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The rates below can help illustrate the premium difference when you buy lower versus higher comp and collision deductibles. The first table uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in zip code location which can influence insurance rates considerably.

Based on the above data, using a $100 deductible would cost the average driver about $49 more each month or $588 each year across all Subaru Impreza models than quoting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 18 months between claims, you would save more money by selecting a higher deductible.

Do you need full coverage?

The illustration below illustrates the difference between Subaru Impreza insurance prices with full coverage compared to only the California minimum liability coverage. The rates are based on no claims or violations, $250 deductibles, marital status is single, and no policy discounts are applied.

When to drop comprehensive and collision

There is no exact rule for excluding 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 about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Subaru Impreza replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after the deductible is paid. If you are paying over $800 annually for physical damage coverage, then you might want to consider buying only liability coverage.

There are a few situations where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Shop online but buy locally

A lot of people just want to buy from a local agent and that can be a great decision Good agents will help you protect your assets and will help you if you have claims. One of the benefits of price shopping on the web is that you can obtain lower premium rates and still have a local agent.

After filling out this simple form, your information is emailed to companies in Oakland that can give you free Oakland car insurance quotes and help you find cheaper coverage. There is no need to find an agent on your own since price quotes are sent directly to you. If you wish to compare prices from a particular provider, don’t hesitate to jump over to their website and fill out the quote form the provide.

Picking an insurance company should depend on more than just the price. Here are some questions you should ask.

• Are there any extra charges for paying monthly?
• When do they do policy reviews?
• Which insurance company do they prefer to write with?
• Is insurance their full-time profession?
• Are all drivers listed on the coverage quote?
• Can you use your own choice of collision repair facility?
• Will the agent or a CSR service your policy?

When looking for a local Oakland insurance agent, it’s helpful to know the different agency structures that you can select. Car insurance agents in Oakland can either be independent or exclusive depending on the company they work for. Either can write policy coverage, but it is a good idea to know the difference in the companies they write for since it may influence the type of agent you choose.

Exclusive Agencies

Exclusive agencies can usually just insure with one company and some examples include State Farm, AAA, and Liberty Mutual. These agents are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on sales techniques which helps them sell on service rather than price. Consumers sometimes use the same exclusive agent mainly due to the brand name and the convenience of having a single billing for all their coverages.

Listed below are Oakland exclusive agencies who can help you get price quotes.

• Ken Bullock – State Farm Insurance Agent
  4490 Piedmont Ave – Oakland, CA 94611 – (510) 658-9616 – View Map
• Farmers Insurance – Sam Cheng
  388 9th St #259 – Oakland, CA 94607 – (510) 893-3978 – View Map
• Fernando Valenzuela – State Farm Insurance
  1236 30th Ave – Oakland, CA 94601 – (510) 533-9712 – View Map

View more agents

Independent Agents

Agents of this type are not locked into one company so they can write business with multiple insurance companies and find the cheapest car insurance rates. If they find a cheaper price, the agent simply finds a different carrier which requires no work on your part. If you need cheaper car insurance rates, we recommend you include several independent insurance agents to get the best comparison. Most have the option of insuring with companies you’ve never heard of that many times have cheaper rates.

The following are independent agencies in Oakland who can help you get comparison quotes.

• Links Insurance Services
  1155 3rd St # 220 – Oakland, CA 94607 – (925) 361-5185 – View Map
• Fred Loya Insurance
  1620 High St STE B – Oakland, CA 94601 – (510) 434-1801 – View Map
• All Purpose Insurance Agency
  5857 MacArthur Blvd – Oakland, CA 94605 – (510) 382-1900 – View Map

View more agents

There’s no such thing as the perfect auto insurance policy

When quoting and comparing a policy for your vehicles, there really is no one size fits all plan. Every insured’s situation is different.

These are some specific questions might point out whether your personal situation might need professional guidance.

• Am I covered if I crash into my own garage door?
• Why do I have to buy liability insurance?
• What is high-risk coverage and where do I buy it?
• Do I need added coverage for expensive stereo equipment?
• What companies insure drivers after a DUI or DWI?
• Why am I required to get a high-risk car insurance policy?
• What is the difference between personal and commercial auto insurance policies?
• Is other people’s property covered if stolen from my vehicle?
• When does my teenage driver need to be added to my policy?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance Price Influencing Factors

When buying insurance it’s important to understand a few of the rating criteria that go into determining your policy premiums. If you know what controls the rates you pay, this enables informed choices that can earn you lower rates.

The factors shown below are some of the things utilized by car insurance companies to help set prices.

Single drivers take more risk – Getting married helps lower the price on your policy. Having a spouse translates into being more financially stable and it’s proven that married drivers tend to have fewer serious accidents.

High coverage deductibles save money – Physical damage deductibles are how much you are required to pay if the claim is covered. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, vandalism, and damage from wind. The more money you have to pay, the lower your rates will be.

Better premiums for being claim-free – Insurance companies in California generally give cheaper rates to people who are not frequent claim filers. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for the large, substantial claims.

Traffic violations can increase prices – Getting just one speeding ticket or other violation can increase rates substantially. Good drivers tend to pay less for car insurance as compared to careless drivers. People who have flagrant violations like reckless driving or DUI may face state-mandated requirements to prove financial responsibility with the DMV in their state in order to legally drive.

The diagram below demonstrates how traffic citations and at-fault fender-benders increase Subaru Impreza yearly insurance costs for each age group. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Reduce rates by driving cars with good safety ratings – Safer cars get lower rates. Vehicles engineered for safety protect occupants better and lower injury rates translates directly to fewer claims and cheaper rates on your policy. If your Subaru Impreza earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

With age comes lower prices – More experienced drivers are proven to be safer behind the wheel, file fewer claims, and are safer drivers. Drivers with little experience tend to be inattentive behind the wheel and because of this, their insurance rates are much higher.

The next chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

Subaru Impreza insurance loss probability – Companies include the past claim trends for vehicles when determining insurance rates. Models that have a trend towards higher claim severity or frequency will have higher rates for specific coverages. The information below illustrates the historical insurance loss data for Subaru Impreza vehicles.

For each policy coverage, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Numbers under 100 indicate a favorable loss history, while values that are 100 or greater point to more claims or tendency to have higher losses.

Auto insurance is not optional

Despite the high cost of buying insurance for a Subaru Impreza in Oakland, insurance is most likely required but also gives you several important benefits.

• Most states have minimum liability requirements which means you are required to buy specific minimum amounts of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your vehicle has a lienholder, most banks will make it mandatory that you buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Subaru at a significantly higher premium and force you to reimburse them a much higher amount than you were paying before.
• Insurance safeguards not only your car but also your financial assets. Insurance will pay for medical bills for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses in the event you are sued. If your Subaru gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of buying enough insurance definitely exceed the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is overpaying more than $820 a year so it’s important to compare rates each time the policy renews to save money.

Don’t give up on cheap rates

In this article, we covered quite a bit of information on how to shop for Subaru Impreza insurance online. It’s most important to understand that the more you quote Oakland car insurance, the higher your chance of finding affordable Oakland car insurance quotes. Consumers may even find the best price on insurance is with the smaller companies.

Lower-priced insurance in Oakland is definitely available both online as well as from independent agents in Oakland, so get free Oakland car insurance quotes from both of them so you have a total pricing picture. Some insurance companies may not have the ability to get quotes online and many times these smaller providers sell through independent agencies.

People who switch companies do it for any number of reasons including high rates after DUI convictions, lack of trust in their agent, high prices or denial of a claim. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

How to find cheaper Subaru Impreza insurance in Oakland

If you want to save money, the best way to find the cheapest price for car insurance rates is to compare quotes once a year from companies who provide car insurance in Oakland. Price quotes can be compared by following these guidelines.

• First, spend some time learning about how auto insurance works and the modifications you can make to keep rates low. Many risk factors that result in higher prices like speeding tickets, accidents and an unacceptable credit score can be controlled by making minor driving habit or lifestyle changes.
• Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple companies.
• Third, compare the new rates to your existing policy to see if a cheaper rate is available in Oakland. If you find a better price and make a switch, make sure there is no lapse in coverage.
• Fourth, notify your agent or company to cancel your current policy. Submit a down payment along with a signed application to your new agent or company. Make sure you keep the new proof of insurance paperwork in your glove compartment.

An important bit of advice to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote and and to get rates from every insurance company. Doing this provides a level playing field and a thorough selection of prices.

More tips and info about insurance can be read in these articles:

• Steps to Take After an Auto Accident (Insurance Information Institute)
• What Insurance is Cheapest for First-time Drivers in Oakland? (FAQ)
• Who Has the Cheapest Oakland Car Insurance Rates for Retired Military? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Police Officers in Oakland? (FAQ)
• Who Has the Cheapest Car Insurance for Seniors in Oakland? (FAQ)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Booster Seat Ratings (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)