Want to know how to find the cheapest car insurance rates in Irvine, CA? Irvine buyers have many options when searching for affordable Subaru Impreza insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates. There are both good and bad ways to buy car insurance so we’re going to tell you the best way to quote coverages for your Subaru and obtain the lowest price either online or from Irvine insurance agents.
It’s a good habit to do price comparisons before your policy renews because prices are variable and change quite frequently. Even if you think you had the best deal on Subaru Impreza insurance in Irvine a couple years back there may be better deals available now. Ignore everything you know about car insurance because you’re about to learn one of the easiest ways to find lower rates on car insurance.
Car insurance providers offering cheap prices in California
The providers in the list below can provide comparison quotes in Irvine, CA. To buy cheap car insurance in Irvine, we suggest you visit two to three different companies to get the best price comparison.
Rates and detailed analysis
The information shown next covers detailed analysis of insurance policy prices for Subaru Impreza models. Learning as much as possible about how policy rates are determined is important for you to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $292 | $468 | $416 | $24 | $124 | $1,324 | $110 |
| Impreza 2.5I 4WD Station Wagon | $292 | $468 | $416 | $24 | $124 | $1,324 | $110 |
| Impreza Outback Sport 4WD Station Wagon | $292 | $570 | $416 | $24 | $124 | $1,426 | $119 |
| Impreza 2.5I AWD 4-Dr | $330 | $570 | $416 | $24 | $124 | $1,464 | $122 |
| Impreza 2.5I Premium Package AWD 4-Dr | $330 | $672 | $416 | $24 | $124 | $1,566 | $131 |
| Impreza WRX 4WD Station Wagon | $330 | $672 | $416 | $24 | $124 | $1,566 | $131 |
| Impreza 2.5 GT 4WD Station Wagon | $368 | $672 | $416 | $24 | $124 | $1,604 | $134 |
| Impreza WRX AWD 4-Dr | $368 | $774 | $416 | $24 | $124 | $1,706 | $142 |
| Impreza 2.5I GT AWD 4-Dr | $368 | $774 | $416 | $24 | $124 | $1,706 | $142 |
| Impreza WRX STI 4WD Station Wagon | $368 | $774 | $416 | $24 | $124 | $1,706 | $142 |
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can revise rates considerably.
Subaru Impreza insurance premiums by gender and age
The diagram below illustrates the comparison of Subaru Impreza premium costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, marital status is single, and no discounts are factored in.
Cost comparison with and without full coverage
The illustration below shows the difference between Subaru Impreza premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no policy discounts are applied.
Guidelines for eliminating full coverage
There is no clear-cut rule that is best for determining when to drop full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s say your Subaru Impreza replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after paying your deductible. If it’s costing in excess of $700 annually for physical damage coverage, then it might be time to buy liability only.
There are some situations where removing full coverage is not a good plan. If you still have a loan on your vehicle, you are required 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 in an accident, you should not eliminate full coverage.
Cheap Subaru Impreza insurance quotes in Irvine
Some companies don’t list the entire discount list in a way that’s easy to find, so the following list contains a few of the more common as well as the least known credits available to you.
- Safety Course Discount – Participating in a safe driver course can save you 5% or more if your company offers it.
- Cautious Driver Discount – Insureds without accidents can pay as much as 50% less compared to accident prone drivers.
- Discounts for Multiple Vehicles – Insuring multiple cars or trucks with one company can get a discount on all vehicles.
- Theft Deterrent System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school or through a local driver safety program.
One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, nobody gets a free ride.
The information below shows the difference between Subaru Impreza premium costs with and without some available policy discounts. The data assumes a male driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, multi-policy, homeowner, and safe-driver discounts applied.
To choose companies with significant discounts in Irvine, click here.
Local Irvine insurance agents
Many people just want to go talk to an agent and doing so can bring peace of mind Insurance agents are highly skilled in risk management and help in the event of a claim. The biggest benefit of getting free rate quotes online is the fact that you can find better rates and still buy from a local agent.
For easy comparison, once you complete this simple form, the coverage information is instantly submitted to insurance agents in Irvine that give free quotes and help you find cheaper coverage. You won’t even need to find an agent as quotes are delivered straight to your inbox. If you want to get a price quote for a specific company, don’t hesitate to go to their quote page and complete a quote there.
Finding the right insurance company shouldn’t rely on just a cheap price. These are some questions you should get answers to.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will they give you a referral list?
- Do they offer accident forgiveness?
- Does the company allow you to choose your own collision repair facility?
- Do they have designations such as AIC, CPCU, or CIC?
The difference between Irvine auto insurance agents
If you want to use a local agent, it’s helpful to know the different types of agents that you can choose from. Insurance agents in Irvine can be described as either exclusive or independent. Either can do a good job, but it’s important to point out the difference in how they write coverage since it may influence which type of agent you select.
Exclusive Agencies
Exclusive agencies generally can only insure with one company and some examples include American Family, State Farm, and Allstate. These agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents are usually well trained on their company’s products and that allows them to sell at a higher price point. Consumers sometimes buy from exclusive agents partially due to loyalty to the company rather than having low rates.
Below are Irvine exclusive insurance agents who can help you get comparison quotes.
- State Farm: Richard Tay
14210 Culver Dr A – Irvine, CA 92604 – (949) 559-8866 – View Map - Rebecca Higgs – State Farm Insurance Agent
5410 Trabuco Rd #100 – Irvine, CA 92620 – (949) 726-9015 – View Map - Ken LaTourette – State Farm Insurance Agent
1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779 – View Map
Independent Agents
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with many different companies depending on which coverage is best. If prices rise, the agent simply finds a different carrier and you can keep the same agent. When shopping rates, it’s recommended you contact a couple of independent agencies to have the best price comparison. Many independent agencies also insure through companies that do not advertise much who may have lower rates.
Below are Irvine independent agents who can help you get price quotes.
- Blackwell Insurance
23002 Lake Center Dr – Lake Forest, CA 92630 – (949) 421-0222 – View Map - Wozencraft Insurance Agency
17321 Irvine Blvd #201 – Tustin, CA 92780 – (714) 263-2626 – View Map - USG Insurance Services-California
100 Pacifica Suite 340 – Irvine, CA 92618 – (800) 886-3897 – View Map
Insurance coverages and their meanings
Learning about specific coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required (15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for things like EMT expenses, pain medications, doctor visits and funeral costs. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage – Collision coverage pays for damage to your Impreza caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible on your Impreza to save money on collision insurance.
Coverage for liability – This will cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 which stand for $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.
Liability coverage protects against claims such as medical expenses, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible. California requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more liability than the minimum.
The chart below shows why buying low liability limits may not be enough.
Persistence pays off
People switch companies for many reasons like being labeled a high risk driver, high rates after DUI convictions, denial of a claim or unfair underwriting practices. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.
When getting Irvine car insurance quotes online, do not buy poor coverage just to save money. In many cases, someone sacrificed collision coverage only to regret that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.
Low-cost Subaru Impreza insurance in Irvine is definitely available online in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and these regional insurance providers only sell through independent agencies.
Steps to buying discount Subaru Impreza insurance in Irvine
The recommended way to save on Subaru Impreza insurance is to compare prices annually from different companies that insure vehicles in Irvine. Price quotes can be compared by completing these steps.
- Step 1: Spend some time learning about how companies price auto insurance and the measures you can control to keep rates down. Many policy risk factors that increase rates such as tickets, at-fault accidents, and a less-than-favorable credit score can be eliminated by being financially responsible and driving safely.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Allstate, while independent agencies can provide prices for many different companies.
- Step 3: Compare the new rate quotes to your existing policy to determine if you can save on Impreza insurance. If you can save some money, make sure coverage is continuous and does not lapse.
- Step 4: Provide adequate notice to your current company of your decision to cancel your current policy and submit the signed application along with the required initial payment for the new policy. Don’t forget to place your new certificate verifying proof of insurance in an easily accessible location in your vehicle.
A valuable tip to remember is that you’ll want to compare the same liability limits and deductibles on each price quote and and to get quotes from as many companies as you can. Doing this enables an apples-to-apples comparison and the most accurate and complete price analysis.
To learn more, take a look at the resources below:
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance Rates for College Students in Irvine? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- Red Light Cameras (State Farm)