Cheap Subaru Impreza Insurance in Tulsa

Discount Subaru Impreza insuranceTo save the most money, the best way to get budget Subaru Impreza insurance is to start comparing rates regularly from insurance carriers who can sell car insurance in Tulsa.

The key aspect of shopping around is to try to compare identical coverages on every price quote and and to get prices from every insurance company. Doing this guarantees an accurate price comparison and plenty of rates choose from.

Anyone knows that insurance companies want to keep your business as long as possible. Drivers who compare rates once a year will probably buy a new policy because there is a high probability of finding coverage at a more affordable price. A recent survey revealed that consumers who make a habit of shopping around saved an average of $3,500 over four years compared to policyholders who never shopped around for lower prices.

If finding budget-friendly rates on insurance in Tulsa is your ultimate target, then understanding how to compare coverage rates can save time and make the process easier.

Locating the most cost-effective auto insurance policy in Tulsa is easy if you know what you’re doing. If you are insured now or just want a better rate, use these cost-cutting techniques to find better prices without reducing coverage. Vehicle owners just have to understand the quickest way to get comparison quotes from multiple carriers.

Get affordable rates by taking advantage of discounts

Properly insuring your vehicles can get expensive, but you may find discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time of purchase, but some discounts are required to be manually applied prior to getting the savings.

Please keep in mind that many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, it doesn’t quite work that way.

The illustration below shows the comparison of Subaru Impreza insurance prices with and without discounts applied to the policy rates. The premiums assume a female driver, no tickets, no at-fault accidents, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, claim-free, and multi-car discounts applied.

A partial list of companies that have some of the discounts shown above may include but are not limited to:

If you want cheaper Tulsa auto insurance quotes, ask every insurance company which discounts they offer. All car insurance discounts may not apply to policyholders in Tulsa. To locate insurers who offer car insurance discounts in Tulsa, click here.

Getting cheaper insurance pricing is actually easier than you may think. The only thing you need to do is take a few minutes comparing price quotes from different insurance companies.

Getting price quotes online is very simple and it makes it a waste of time to make phone calls or go to insurance agencies in your area. Comparing Subaru Impreza insurance rate quotes online can eliminate the need for a local agent unless you have a need for the professional advice that can only be provided by a licensed insurance agent. You can, however, obtain prices from the web but still have the advice of a local agent.

The following companies have been selected to offer comparison quotes in Oklahoma. If your goal is to find the best cheap auto insurance in Oklahoma, we recommend you visit several of them to find the most competitive car insurance rates.

Statistics and details

The price information displayed next outlines different rate quotes for Subaru Impreza models. Having a better understanding of how car insurance premiums are established is important to be able to make decisions when shopping your coverage around.

Subaru Impreza Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $242 $380 $506 $30 $152 $1,310 $109
Impreza 2.5I 4WD Station Wagon $242 $380 $506 $30 $152 $1,310 $109
Impreza Outback Sport 4WD Station Wagon $242 $462 $506 $30 $152 $1,392 $116
Impreza 2.5I AWD 4-Dr $274 $462 $506 $30 $152 $1,424 $119
Impreza 2.5I Premium Package AWD 4-Dr $274 $544 $506 $30 $152 $1,506 $126
Impreza WRX 4WD Station Wagon $274 $544 $506 $30 $152 $1,506 $126
Impreza 2.5 GT 4WD Station Wagon $304 $544 $506 $30 $152 $1,536 $128
Impreza WRX AWD 4-Dr $304 $626 $506 $30 $152 $1,618 $135
Impreza 2.5I GT AWD 4-Dr $304 $626 $506 $30 $152 $1,618 $135
Impreza WRX STI 4WD Station Wagon $304 $626 $506 $30 $152 $1,618 $135
Get Your Own Custom Quote Go

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can increase or decrease auto insurance rates noticeably.

Choosing deductibles

When buying auto insurance, a common question is where should you set your physical damage deductibles. The rates below lay out how much more rates are between high and low policy deductibles. The first rate estimation uses a $250 deductible for physical damage and the second price grid uses a $500 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 $346 $480 $448 $26 $134 $1,459 $122
Impreza 2.5I 4WD Station Wagon $346 $480 $448 $26 $134 $1,459 $122
Impreza Outback Sport 4WD Station Wagon $346 $584 $448 $26 $134 $1,563 $130
Impreza 2.5I AWD 4-Dr $392 $584 $448 $26 $134 $1,609 $134
Impreza 2.5I Premium Package AWD 4-Dr $392 $688 $448 $26 $134 $1,713 $143
Impreza WRX 4WD Station Wagon $392 $688 $448 $26 $134 $1,713 $143
Impreza 2.5 GT 4WD Station Wagon $436 $688 $448 $26 $134 $1,757 $146
Impreza WRX AWD 4-Dr $436 $792 $448 $26 $134 $1,861 $155
Impreza 2.5I GT AWD 4-Dr $436 $792 $448 $26 $134 $1,861 $155
Impreza WRX STI 4WD Station Wagon $436 $792 $448 $26 $134 $1,861 $155
Get Your Own Custom Quote Go

Subaru Impreza insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $282 $388 $448 $26 $134 $1,278 $107
Impreza 2.5I 4WD Station Wagon $282 $388 $448 $26 $134 $1,278 $107
Impreza Outback Sport 4WD Station Wagon $282 $472 $448 $26 $134 $1,362 $114
Impreza 2.5I AWD 4-Dr $318 $472 $448 $26 $134 $1,398 $117
Impreza 2.5I Premium Package AWD 4-Dr $318 $554 $448 $26 $134 $1,480 $123
Impreza WRX 4WD Station Wagon $318 $554 $448 $26 $134 $1,480 $123
Impreza 2.5 GT 4WD Station Wagon $354 $554 $448 $26 $134 $1,516 $126
Impreza WRX AWD 4-Dr $354 $638 $448 $26 $134 $1,600 $133
Impreza 2.5I GT AWD 4-Dr $354 $638 $448 $26 $134 $1,600 $133
Impreza WRX STI 4WD Station Wagon $354 $638 $448 $26 $134 $1,600 $133
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate information does not factor in vehicle location which can raise or lower premiums significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $19 more each month or $228 annually than buying the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 13 months between claim filings, you would save more money if you choose the higher deductible. Here is a better example of how this determination is made.

Average monthly premium for $250 deductibles: $141
Average monthly premium for $500 deductibles (subtract): – $122
Monthly savings from raising deductible: $19
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to be aware of is that increasing deductibles to save money means you pay more out-of-pocket at claim time. You need enough extra money in the event you need to pay the deductible to have repairs made.

The diagram below illustrates how choosing a deductible and can impact Subaru Impreza premium costs for different insured age categories. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Components of Your Subaru Impreza Insurance Costs

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help calculate the rates you pay for auto insurance. When consumers understand what determines base rates, this enables you to make decisions that can earn you better auto insurance rates.

The items below are some of the factors used by your company to calculate your rates.

Accidents can be expensive – Having just one speeding ticket or other violation can bump up the cost by twenty percent. Careful drivers get better prices as compared to careless drivers. Drivers who have received flagrant violations like reckless driving or DUI might be required by their state to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.

The illustration below shows how speeding tickets and at-fault accidents increase Subaru Impreza insurance premiums for different insured age categories. The data is based on a married female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Insurance prices and driver gender – Statistics show that women are safer drivers than men. This data doesn’t prove that men are worse drivers. Both genders cause at-fault accidents in similar percentages, but males get into accidents with more damage. In addition to higher claims, males also get more serious tickets like DUI and reckless driving. Teenage male drivers tend to get in the most accidents so they pay the highest premiums.

The diagram below shows the comparison of Subaru Impreza auto insurance rates for male and female drivers. The premiums are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Choose high NHTSA crash test ratings and save – Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Subaru Impreza has ratings of a minimum four stars on or an “acceptable” rating on it may be receiving lower rates.

More miles equals more premium – The higher the miles on your Subaru each year the more you’ll pay to insure it. Many insurance companies rate vehicles based on how the vehicle is used. Vehicles that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your declarations sheet states the correct driver usage, because improper ratings can cost you money. Improper usage on your Impreza may be wasting your money.

High credit rating translates to low rates – Having a good credit rating will be a significant factor in determining what you pay. Drivers with good credit tend to file fewer claims than drivers with lower ratings. Therefore, if your credit rating is lower than you’d like, you may save money insuring your Subaru Impreza by spending a little time repairing your credit.

Prices go up with performance – The performance level of the car you are buying insurance for makes a huge difference in your car insurance bill. Lower cost passenger models generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.

The next chart is based on a married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The data compares Subaru Impreza insurance premiums compared to other makes and models that have different performance risks.

Discounts for alarms and GPS tracking – Selecting a car model with anti-theft technology or alarm system can earn a premium discount. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.

Big cities mean more claims – Being located in a small town has it’s advantages when it comes to auto insurance. Drivers who live in large cities have to deal with more traffic problems and much longer commute distances. Fewer drivers means reduced accidents and a lower car theft rate.

Subaru Impreza statistical loss data – Auto insurance companies use past insurance losses to help calculate a profitable premium price. Models that the data shows to have a trend towards higher claim severity or frequency will be charged more to insure. The data below shows the historical loss data for Subaru Impreza vehicles.

For each policy coverage, the claim probability for all vehicles as a whole equals 100. Numbers below 100 suggest a better than average loss history, while values that are 100 or greater point to more losses or an increased probability of a larger loss.

Insurance Loss Ratings for Subaru Impreza Vehicles
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Subaru Impreza 4WD 96 80 110 79 78 81

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Neighborhood Tulsa auto insurance agents

A small number of people just prefer to talk to an insurance agent and that is a personal choice. Good insurance agents can help you choose the best coverages and help submit paperwork. The biggest benefit of getting free rate quotes online is you may find better rates and also buy local.

Tulsa insurance agentsFor easy comparison, once you complete this quick form, your coverage information is transmitted to insurance agents in Tulsa who will give competitive quotes for your insurance coverage. You won’t even need to even leave your home since price quotes are sent immediately to you. If you want to get a comparison quote for a specific company, you can always go to their quote page and fill out the quote form the provide.

Selecting an company requires you to look at more than just the price. These are valid questions to ask:

If you would like to find local Tulsa agents, it’s important to understand the different agency structures to choose from. Auto insurance policy providers are considered either independent (non-exclusive) or exclusive. Both types can insure your vehicles, but it’s important to point out the difference in how they write coverage since it could factor into which agent you choose.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only write with one company such as State Farm or Allstate. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. These agents are highly trained on sales techniques which can be an advantage.

Shown below is a short list of exclusive agents in Tulsa who can help you get rate quotes.

Gail Boyce – State Farm Insurance Agent
6149 S Peoria AveTulsa, OK 74136(918) 747-6866View Map

7318 S Yale AveTulsa, OK 74136(918) 492-7600View Map

6770 S Sheridan Rd STE ATulsa, OK 74133(918) 994-5400View Map

More Tulsa agents

Independent Auto Insurance Agencies

These type of agents often have affiliation with several companies so they can quote policies with an assortment of companies and potentially find a lower price. If premiums increase, they simply move the coverage in-house and you don’t have to do anything. When comparing auto insurance rates, we highly recommend that you get several quotes from at a minimum one independent agency to maximize your price options.

Shown below are independent insurance agencies in Tulsa willing to provide price quotes.

1825 S Garnett RdTulsa, OK 74128(918) 234-0022View Map

4444 E 66th StTulsa, OK 74136(918) 494-0600View Map

3908 E 31st StTulsa, OK 74135(918) 742-5861View Map

More Tulsa agents

Once you have received positive feedback to your questions as well as a price you’re happy with, you’ve probably found a car insurance agent that is a good match to insure your vehicles. Keep in mind you have the power to cancel coverage any time you want so don’t think that you are permanently stuck with any specific company for any length of time.

Choosing vehicle insurance is an important decision

Despite the high insurance cost for a Subaru Impreza in Tulsa, maintaining insurance serves an important purpose.

The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. But the average American driver is overpaying over $850 per year so compare rate quotes every year to ensure rates are inline.

Compare but don’t skimp

You just learned many tips how you can get a better price on Subaru Impreza insurance in Tulsa. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the biggest savings come from some of the lesser-known companies. They can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

Some car insurance companies do not offer online quoting and these regional carriers only sell through local independent agencies. Cost effective Subaru Impreza insurance is possible both online in addition to many Tulsa insurance agents, so compare prices from both to have the best chance of lowering rates.

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