Do you need a fast way to compare more affordable Subaru Impreza insurance in Cincinnati? Overpriced Subaru Impreza insurance in Cincinnati can deplete your monthly budget and force you to tighten up your finances. Doing a rate analysis is a great way to make ends meet.
It’s an obvious conclusion that auto insurance companies don’t want you shop around. People who shop around at least once a year will probably switch car insurance companies because there is a good probability of finding lower rate quotes. Remarkably, a study showed that consumers who routinely compared rates saved approximately $3,400 over four years as compared to drivers who don’t regularly compare prices.
If finding the cheapest price on Subaru Impreza insurance is your target objective, learning the best ways to shop for coverage rates can make the process less intimidating.
Online insurance companies like Allstate and Progressive continually bombard you with TV and radio ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.
If you have a current auto insurance policy, you stand a good chance to be able to reduce premiums using the following tips. Finding affordable auto insurance coverage in Cincinnati is not that difficult as long as you know where to start. Although Ohio consumers do need to understand the way insurance companies price insurance differently because rates are impacted by many factors.
Find Lower-cost Auto Insurance with These Tips
One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that are used to determine the level of your policy premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that could result in lower auto insurance prices.
Lower rates with no policy lapses – Allowing your auto insurance policy to lapse is a sure-fire way to increase your renewal premiums. In addition to paying higher rates, not being able to provide proof of insurance may earn you a license revocation or jail time.
Do you have a demanding occupation? – Do you have a high-stress occupation? Occupations such as doctors, architects, and financial analysts usually pay higher rates than average attributed to stressful work requirements and extremely grueling work hours. On the flip side, jobs such as professors, athletes and performers generally pay rates lower than average.
Lower auto insurance rates by staying claim free – Car insurance companies in Ohio generally give lower rates to people who only file infrequent claims. If you file claims often, you can definitely plan on higher rates. Insurance coverage is designed for larger claims.
Responsible credit scores equal low rates – Your credit score is a large factor in calculating your auto insurance rates. Consumers who have very high credit ratings tend to be more responsible than drivers with poor credit scores. If your credit history is low, you may save money insuring your Subaru Impreza by improving your rating.
Insurance losses for a Subaru Impreza – Insurance companies analyze claim trends for every vehicle when setting premium costs. Vehicles that historically have increased losses will have a higher cost to insure.
The next table shows the insurance loss data used by companies for Subaru Impreza vehicles. For each coverage category, the statistical loss for all vehicles combined as an average is a value of 100. Values below 100 mean the vehicle has better than average losses, while numbers above 100 indicate more frequent losses or statistically larger losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Subaru Impreza 4WD | 96 | 80 | 110 | 79 | 78 | 81 |
Statistics from IIHS.org for 2013-2015 Model Years
When looking for cheaper Cincinnati auto insurance quotes, there are a couple ways to obtain and compare prices from insurance companies in your area. The fastest way to find cheaper rates involves getting comparison quotes online.
It’s so fast and easy to compare quotes online that it makes it obsolete to go to insurance agencies in your area. Buying insurance online makes this unnecessary unless you’re the type of person who wants the trained guidance of an agent trained in personal lines coverage. Although, it is possible get the lowest quotes online but have a local agent actually write the policy. When comparing insurance rates, know that comparing a large number of companies will increase your chances of finding lower pricing.
The companies shown below have been selected to offer price comparisons in Cincinnati, OH. To find cheap auto insurance in Cincinnati, we recommend you compare several of them to get a more complete price comparison.
Insurance data for a Subaru Impreza
The information displayed below highlights detailed analysis of insurance prices for Subaru Impreza models. Learning more about how prices are established can assist in making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $216 | $356 | $306 | $18 | $92 | $988 | $82 |
| Impreza 2.5I 4WD Station Wagon | $216 | $356 | $306 | $18 | $92 | $988 | $82 |
| Impreza Outback Sport 4WD Station Wagon | $216 | $434 | $306 | $18 | $92 | $1,066 | $89 |
| Impreza 2.5I AWD 4-Dr | $244 | $434 | $306 | $18 | $92 | $1,094 | $91 |
| Impreza 2.5I Premium Package AWD 4-Dr | $244 | $512 | $306 | $18 | $92 | $1,172 | $98 |
| Impreza WRX 4WD Station Wagon | $244 | $512 | $306 | $18 | $92 | $1,172 | $98 |
| Impreza 2.5 GT 4WD Station Wagon | $272 | $512 | $306 | $18 | $92 | $1,200 | $100 |
| Impreza WRX AWD 4-Dr | $272 | $588 | $306 | $18 | $92 | $1,276 | $106 |
| Impreza 2.5I GT AWD 4-Dr | $272 | $588 | $306 | $18 | $92 | $1,276 | $106 |
| Impreza WRX STI 4WD Station Wagon | $272 | $588 | $306 | $18 | $92 | $1,276 | $106 |
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in specific Cincinnati garaging location which can increase or decrease insurance rates noticeably.
Why you need Impreza insurance in Ohio
Even though Cincinnati Impreza insurance rates can get expensive, insurance may not be optional for several reasons.
- The majority of states have mandatory insurance requirements which means you are required to carry a specific level of liability protection if you don’t want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Subaru Impreza has a lienholder, it’s guaranteed your bank will require that you buy full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank may insure your Subaru at a much higher rate and force you to pay for it.
- Auto insurance protects your Subaru Impreza and your assets. It will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay to defend you if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of buying auto insurance definitely exceed the cost, specifically if you ever have a liability claim. The average driver in Ohio is wasting up to $865 each year so we recommend shopping around at every renewal to be sure current rates are still competitive.
Get cheaper Subaru Impreza insurance rates in Cincinnati
Car insurance companies don’t list all their discounts in an easy-to-find place, so the next list breaks down both well-publicized and the harder-to-find credits available to bring down your rates.
- Sign Online – A handful of insurance companies provide a small discount get Cincinnati auto insurance on the internet.
- Lower Rates for Military – Being on active deployment in the military may qualify for rate reductions.
- Telematics Discount – Drivers that enable driving data submission to analyze when and where they use their vehicle by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if their driving habits are good.
- More Vehicles More Savings – Buying insurance for primary and secondary vehicles on one policy may reduce the rate for each vehicle.
- Early Switch Discount – Some car insurance companies reward drivers for signing up before your current coverage expires. You could save around 10% when you buy Cincinnati auto insurance online.
- Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, nobody gets a free ride.
The information below illustrates the comparison of Subaru Impreza auto insurance costs with and without policy discounts. The data assumes a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, homeowner, and multi-policy discounts applied.
Insurance companies who may offer these benefits possibly include:
Double check with every company which discounts they offer. Some discounts listed above might not be available to policyholders everywhere. To see car insurance companies that offer many of these discounts in Ohio, click this link.
Shop online but buy locally
Some people still like to buy from a licensed agent and doing so can bring peace of mind An additional benefit of price shopping on the web is that you can obtain cheap insurance quotes but also keep your business local. Putting coverage with local insurance agencies is important especially in Cincinnati.
After completing this quick form, your insurance data is submitted to companies in Cincinnati who will return price quotes for your coverage. You won’t need to leave your computer because quoted prices will be sent directly to you. You can most likely find cheaper rates without the usual hassles of price shopping. If you need to compare rates from a particular provider, just visit that company’s website and give them your coverage information.
When narrowing the list to find a good Cincinnati insurance agent, it can be helpful to understand the different types of agents that you can choose from. Insurance agents in Cincinnati can either be independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
Agents of this type are not employed by one company so they can insure your vehicles through many companies depending on which coverage is best. If they find a cheaper price, your agent can just switch to a different company and you can keep the same agent. When searching for an agent, you absolutely need to get rate quotes from at a minimum one independent agency to get the most accurate price comparison.
Below is a short list of independent insurance agents in Cincinnati who can help you get free insurance quotes.
Landmark Insurance Agency
4355 Ferguson Dr #155 – Cincinnati, OH 45245 – (513) 947-8500 – View Map
Globe Insurance
2619 Erie Ave – Cincinnati, OH 45208 – (513) 871-3330 – View Map
Dillhoff Insurance
120 E 4th St # 1000 – Cincinnati, OH 45202 – (513) 621-2020 – View Map
Exclusive Insurance Agencies
Agents of this type can only provide pricing for a single company and examples are AAA, Allstate, and State Farm. Exclusive agencies are unable to shop your coverage around so you might not find the best rates. Exclusive insurance agents are highly trained on the products they sell and that enables them to sell even at higher rates.
The following is a list of exclusive agents in Cincinnati who can help you get rate quotes.
Rick Brown – State Farm Insurance Agent
3593 Westwood Northern Blvd – Cincinnati, OH 45211 – (513) 662-3593 – View Map
Scott Clark – State Farm Insurance Agent
3011 W Galbraith Road – Cincinnati, OH 45239 – (513) 931-9292 – View Map
Jackie Meadows – State Farm Insurance Agent
2036 8 Mile Rd – Cincinnati, OH 45244 – (513) 474-4940 – View Map
Picking the best auto insurance agent is decision based upon more than just a cheap price quote. A good agent in Cincinnati will have answers to these questions.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How is replacement cost determined on your vehicle?
- How long have they been in business?
- Will your rates increase after a single accident?
- Are they full-time agents?
- Is there a Errors and Omissions policy in force?
Cincinnati car insurance companies
Selecting the right insurance company can be challenging considering how many companies are available to choose from in Ohio. The information in the lists below could help you pick which coverage providers you want to consider purchasing a policy from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
There’s no such thing as the perfect auto insurance policy
Always remember that when buying proper insurance coverage, there really isn’t a “perfect” insurance plan. Everyone’s situation is a little different.
For instance, these questions might help in determining if your situation may require specific advice.
- Do I have coverage if my license is suspended?
- Do I need motorclub coverage?
- What can I do if my company won’t pay a claim?
- Am I covered when pulling a rental trailer?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Is borrowed equipment or tools covered if stolen or damaged?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.
Smart consumers save more
Drivers leave their current company for any number of reasons including questionable increases in premium, delays in responding to claim requests, unfair underwriting practices and high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.
Budget-conscious Subaru Impreza insurance is possible online and also from your neighborhood Cincinnati agents, so you need to quote Cincinnati auto insurance with both to get a complete price analysis. Some insurance providers may not offer rates over the internet and many times these smaller providers work with local independent agents.
As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best possible price.
Steps to buying low-cost Subaru Impreza insurance in Cincinnati
To save the most money, the best way to get more affordable Subaru Impreza insurance in Cincinnati is to regularly compare quotes from different companies who sell auto insurance in Ohio.
Step 1: Read about policy coverages and the factors you can control to keep rates in check. Many factors that result in higher prices such as at-fault accidents and a bad credit rating can be controlled by improving your driving habits or financial responsibility.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agents can quote rates from multiple insurance companies.
Step 3: Compare the quotes to your current policy premium to see if you can save by switching companies. If you can save money and switch companies, make sure coverage is continuous and does not lapse.
One tip to remember is that you’ll want to make sure you compare identical limits and deductibles on every quote and and to analyze as many different insurance providers as possible. Doing this enables a fair rate comparison and the best price selection.
Helpful learning opportunities
- Teen Driving Statistics (iihs.org)
- Who Has the Cheapest Cincinnati Car Insurance Rates for High Mileage Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Uber Drivers in Cincinnati? (FAQ)
- How Much is Cincinnati Car Insurance for Welfare Recipients? (FAQ)
- How Much are Cincinnati Car Insurance Rates for Nurses? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Seniors in Cincinnati? (FAQ)
- Who Has Affordable Car Insurance Rates for Safe Drivers in Cincinnati? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)