How long have you put off shopping around for lower-priced auto insurance rates in Las Vegas, NV? Las Vegas buyers have many options when searching for the best price on Subaru Impreza insurance. You can either spend your time driving around getting price quotes or utilize the internet to get rate quotes.
There is a better way to shop for auto insurance so we're going to tell you the absolute fastest way to get price quotes for a Subaru and obtain the lowest possible price from Las Vegas insurance agents and online providers.
The quickest method to compare insurance rates in your area is to realize almost all companies have advanced systems to give rate comparisons. To get started, all you need to do is give them some information including whether you drive to work or school, driver ages, if you went to college, and how much you drive. That rating data is sent automatically to insurance companies and you should receive rate quotes immediately.
To find the cheapest Subaru Impreza insurance rates, click here and enter your coverage details.
The providers in the list below have been selected to offer comparison quotes in Nevada. If multiple providers are shown, we recommend you compare several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Impreza 2.5I 4WD Station Wagon||$230||$324||$314||$18||$94||$980||$82|
|Impreza 2.5I 4WD Station Wagon||$186||$300||$400||$24||$120||$1,030||$86|
|Impreza Outback Sport 4WD Station Wagon||$190||$372||$372||$22||$112||$1,068||$89|
|Impreza 2.5I AWD 4-Dr||$332||$590||$416||$24||$124||$1,486||$124|
|Impreza 2.5I Premium Package AWD 4-Dr||$298||$582||$416||$24||$124||$1,444||$120|
|Impreza WRX 4WD Station Wagon||$162||$292||$314||$18||$94||$880||$73|
|Impreza 2.5 GT 4WD Station Wagon||$144||$252||$296||$18||$88||$798||$67|
|Impreza WRX AWD 4-Dr||$182||$394||$372||$22||$112||$1,082||$90|
|Impreza 2.5I GT AWD 4-Dr||$370||$800||$416||$24||$124||$1,734||$145|
|Impreza WRX STI 4WD Station Wagon||$286||$636||$348||$20||$104||$1,394||$116|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in garaging location in Las Vegas which can influence rates significantly.
Policy deductible comparison
The diagram below highlights how deductible choice and can affect Subaru Impreza insurance premiums for each age group. The premiums are based on a single male driver, comp and collision included, and no policy discounts are applied.
Las Vegas auto insurance discounts
Companies offering auto insurance don't always list every discount very clearly, so the list below details a few of the more common as well as the least known discounts you could be receiving when you buy Las Vegas auto insurance online.
- Good Student - Excelling in school may save you up to 25%. Most companies allow this discount well after school through age 25.
- Discounts for Government Workers - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
- Discounts for New Vehicles - Buying a new car model is cheaper because new model year vehicles are generally safer.
- Passive Restraint Discount - Factory options such as air bags and/or automatic seat belt systems may get savings up to 30%.
- Own a Home - Just owning your own home can get you a discount because maintaining a house means you have a higher level of financial diligence.
- Service Members Pay Less - Being on active duty in the military could mean lower rates.
- Fewer Miles Equal More Savings - Low annual miles could earn discounted rates on garaged vehicles.
- Clubs and Organizations - Participating in qualifying employment or professional organizations is a simple method to lower premiums when getting a Las Vegas auto insurance quote.
- Sign Early and Save - A few companies offer discounts for renewing your policy early. Ten percent is about the average savings.
Keep in mind that some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, it doesn't quite work that way.
Some companies that have some of the discounts shown above may include but are not limited to:
If you are trying to find cheaper Las Vegas auto insurance quotes, ask each insurance company how you can save money. All car insurance discounts might not be offered everywhere. To locate insurance companies that offer multiple discounts in Nevada, click this link.
When to talk to an insurance agency
Many drivers still prefer to visit with an insurance agent and we recommend doing that Agents will help you protect your assets and will help you if you have claims. A good thing about comparing car insurance online is the fact that drivers can get better rates but also keep your business local. Buying insurance from local insurance agents is definitely important in Las Vegas.
Upon completion of this form (opens in new window), your insurance data is emailed to insurance agents in Las Vegas that can provide free Las Vegas auto insurance quotes for your car insurance coverage. There is no need to even leave your home due to the fact that quote results will go immediately to your email address. If you need to quote rates from a specific insurance company, you would need to go to their quote page and submit a quote form there.
Listed below are agents in Las Vegas that can give you price quote information for Subaru Impreza insurance in Las Vegas.
- Juan Diaz State Farm®
352 S Jones Blvd - Las Vegas, NV 89107 - (702) 870-0444 - View Map
- Allstate Insurance: Misty Chadwick
2620 Regatta Dr Ste 122 - Las Vegas, NV 89128 - (702) 451-4409 - View Map
- GEICO Insurance Agent
3315 W Craig Rd #110 - North Las Vegas, NV 89032 - (702) 643-0057 - View Map
- Insurance Specialists - Auto and Home Agency
5025 S Eastern Ave #20 - Las Vegas, NV 89119 - (702) 307-3398 - View Map
Picking an company needs to be determined by more than just the premium amount. Here are some questions you should ask.
- Can you get a list of referrals?
- Do they have any clout with companies to ensure a fair claim settlement?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they have 24-hour customer assistance?
- What companies can they write with?
- How many years have they been established?
- How much experience to they have in personal lines coverages?
Upon getting good feedback to your questions and locked in a price quote, you've probably found an insurance company that meets the requirements to insure your vehicles.
Big brands don't always mean big savings
Nevada consumers can't ignore all the ads for the lowest price insurance by companies like Progressive, Allstate and GEICO. They all seem to try to convey promises about saving some big amount after switching to their company.
How can each company cost less than your current company? It's all in the wording.
Many companies give the cheapest rates for the type of driver that is profitable for them. One example of a preferred risk may need to be between the ages of 40 and 55, carries full coverage, and chooses high deductibles. Any driver who matches those parameters may get the lowest prices in Las Vegas and will probably cut their Subaru Impreza insurance rates if they switch.
Consumers who are not a match for these criteria will probably have to pay a higher rate which usually ends up with business not being written. The wording the ads use say "people who switch" not "everyone who quotes" save money. That's the way insurance companies can confidently advertise the savings.
Because of this risk profiling, it is so important to do a price quote comparison at every renewal. It's not possible to predict with any certainty which company will give you the biggest savings.
Specific coverages for a Subaru Impreza
Understanding the coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Collision coverage - This coverage covers damage to your Impreza resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible on your Impreza in order to get cheaper collision rates.
Coverage for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for bills for things like funeral costs, surgery, EMT expenses, prosthetic devices and nursing services. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage - This provides protection when the "other guys" are uninsured or don't have enough coverage. Covered claims include injuries to you and your family as well as damage to your Subaru Impreza.
Since a lot of drivers carry very low liability coverage limits (15/30/10 in Nevada), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.
Comprehensive coverages - This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as fire damage, falling objects, hitting a bird, theft and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.
Liability - This coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 15/30/10 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things like pain and suffering, bail bonds, emergency aid and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford. Nevada requires drivers to carry at least 15/30/10 but it's recommended drivers buy more liability than the minimum.
What is YOUR best insurance company?
We just presented a lot of information how to lower your Subaru Impreza insurance rates in Las Vegas. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. You may even discover the most savings is with some of the lesser-known companies.
Some auto insurance companies do not provide rate quotes online and these regional insurance providers work with local independent agents. The cheapest Subaru Impreza insurance in Las Vegas can be found on the web in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money.
People switch companies for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, delays in paying claims or even high prices. Regardless of your reason for switching companies, finding a new company is pretty easy and you might even save some money in the process.
Additional information is located below:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for a Hyundai Elantra in Nevada? (FAQ)
- What is the Cheapest Car Insurance in Las Vegas, Nevada? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)
- State Car Insurance Guides (GEICO)