Save Money on Subaru Impreza Insurance in Milwaukee

Searching for better insurance prices for your Subaru Impreza in Wisconsin could be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to find car insurance online so we’re going to tell you the quickest way to get price quotes for a Subaru and find the lowest price either online or from Milwaukee insurance agents.

All the larger auto insurance companies such as State Farm, Allstate and GEICO give prices directly from their websites. The process is very simple because it’s just a matter of typing in your coverage information as requested by the quote form. Once entered, the system gets reports for credit and driving violations and returns a price based on the information you submitted.

Using the web to get rate quotes for Subaru Impreza insurance in Milwaukee streamlines rate comparisons, and it’s necessary to compare as many rates as possible in order to get a better rate.

To find out how much you can save on auto insurance, take a look at the companies shown below. If you have coverage now, it’s recommended you enter coverages and limits as close as possible to your current policy. Doing this assures you will have a price comparison for similar insurance coverage.

The following companies have been selected to offer price comparisons in Wisconsin. If several companies are displayed, it’s highly recommended you visit as many as you can to get the best price comparison.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in zip code location which can influence price quotes considerably.

Higher deductibles save money

A question often asked by Milwaukee drivers is where to set your physical damage deductibles. The following insurance rates sum up the rate differences between low and high physical damage coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in specific location information which can impact auto insurance rates greatly.

Based on these figures, using a $250 deductible costs about $19 more each month or $228 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 39 months between claim filings, you would most likely save money if you elect the higher deductible.

Policy deductibles

The example below shows how choosing a deductible and can influence Subaru Impreza yearly insurance costs for different age categories. The premium estimates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Three reasons to not skimp on car insurance

Despite the fact that car insurance is not cheap in Milwaukee, car insurance may be mandatory for several reasons.

• Most states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability insurance coverage if you want to drive legally. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you took out a loan on your Impreza, it’s most likely the lender will require you to carry insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Subaru at a much higher rate and force you to pay for it.
• Insurance safeguards both your Subaru and your personal assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the repair costs.

The benefits of having insurance definitely exceed the price paid, especially for larger claims. Today the average American driver overpays more than $810 a year so we recommend shopping around once a year at a minimum to be sure current rates are still competitive.

The Subaru Impreza Insurance Rate Equation

Lots of factors are part of the equation when pricing auto insurance. A few of the factors are predictable such as traffic violations, but other factors are less apparent such as whether you are married or how financially stable you are. One of the most helpful ways to save on insurance is to to have a grasp of some of the things that help calculate your premiums. When you understand what determines base rates, this enables you to make decisions that may result in better insurance rates.

Cheaper prices for prior coverage – Driving any period of time without insurance can get your license suspended and your next policy will cost more because you let your insurance lapse. In addition to paying higher rates, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.

Big city or small town – Choosing to live in smaller towns and rural areas of the country can be a good thing when shopping for auto insurance. Drivers who live in large cities tend to have traffic congestion and more severe claims. Less people translates into fewer accidents in addition to lower liability claims

Vehicles with better crash test results lower premiums – Vehicles with high crash test scores can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you.

High credit scores save money – Credit history can be an important factor in determining what you pay for insurance. Consumers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores. If your credit history is lower than you’d like, you may save money insuring your Subaru Impreza by improving your rating.

Pay more out-of-pocket – Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your Subaru. A few examples of covered claims are collision with another vehicle, hitting a deer, and damage caused by flying debris. The deductibles you choose tell how much you are required to pay if the claim is covered. The more damage repair cost the insured has to pay upfront, the lower your rates will be.

Insurance loss probability for a Subaru Impreza – Companies use claims history to determine a price that will be profitable for them. Vehicles that historically have higher number or severity of losses will have higher premium rates.

The table below illustrates the compiled insurance loss statistics for Subaru Impreza vehicles. For each policy coverage type, the loss probability for all vehicles combined as an average is set at 100. Numbers shown that are under 100 suggest a positive loss record, while values that are above 100 indicate frequent claims or a tendency for losses to be larger than average.

Milwaukee insurance discounts for a Subaru Impreza

Auto insurance companies don’t necessarily list their entire list of discounts in an easy-to-find place, so the following is a list of both the well known as well as some of the hidden discounts that you can inquire about if you buy Milwaukee car insurance online.

• Government Employee Discount – Employees or retirees of the government can save as much as 8% with a few insurance companies.
• Accident Free – Good drivers with no accidents can save substantially in comparison to frequent claim filers.
• Military Rewards – Having a deployed family member could mean lower prices.
• Seat Belt Usage – Requiring all passengers to buckle up can save 10% or more on medical payment and PIP coverage.
• Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts can receive discounts as much as 30%.
• Defensive Driver Discounts – Taking a defensive driver class could possibly earn you a 5% discount depending on where you live.
• Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
• Responsible Driver Discount – Drivers who avoid accidents may save up to 50% more than less cautious drivers.
• Multiple Policy Discount – If you can bundle your home and auto insurance with one insurance company you may save approximately 10% to 15%.
• Auto/Life Discount – Insurance companies who offer life insurance give lower rates if you buy a life insurance policy as well.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you could get a free insurance policy, companies don’t profit that way.

To find insurance companies offering insurance discounts in Milwaukee, click this link.

Car insurance quotes from local neighborhood Milwaukee car insurance agents

A lot of people just prefer to go talk to an agent and doing so can bring peace of mind Good agents can point out coverage gaps and help file insurance claims. One of the great benefits of comparing rates online is you can get cheap rate quotes and still have a local agent.

Once you complete this short form, your coverage information is sent to insurance agents in Milwaukee who can give free rate quotes for your insurance coverage. You won’t need to leave your computer due to the fact that quote results will go to you directly. If for some reason you want to quote rates from one company in particular, don’t hesitate to visit that company’s website and fill out the quote form the provide.

Choosing the best insurer needs to be determined by more than just a cheap quote. These are some questions you should get answers to.

• Is assistance available after office hours?
• If independent agents, which companies do they recommend?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Will your rates increase after a single accident?
• Can you use your own choice of collision repair facility?
• Do they have any clout with companies to ensure a fair claim settlement?
• Do they write coverage based solely on cost?
• Does the agent recommend any additional coverage?

Pick the best auto insurance agent in Milwaukee for you

When looking for local Milwaukee agents, it can be helpful to understand the types of insurance agents that you can select. Insurance agencies in Milwaukee can be described as either independent or exclusive. Either one can insure your vehicles properly, but it’s important to point out the difference between them because it may have an impact on the selection process.

Exclusive Car Insurance Agencies

Agents of this type can only write with one company such as Allstate and State Farm. Exclusive agencies are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well schooled on sales techniques which can be an advantage. Consumers sometimes buy from exclusive agents mostly because of the brand legacy and the convenience of having all coverages with one company.

Listed below is a list of exclusive insurance agents in Milwaukee willing to provide rate quotes.

• Allstate Insurance: Tom Hoffman
  2090 Miller Park Way – West Milwaukee, WI 53219 – (414) 384-1200 – View Map
• American Family Insurance – Joseph Setum Jr
  3457 S Kinnickinnic Ave – Milwaukee, WI 53207 – (414) 769-0701 – View Map
• American Family Insurance – Lamar E. Dismuke
  8201 W Capitol Dr – Milwaukee, WI 53222 – (414) 527-1925 – View Map

View more agents

Independent Agents

Agents that choose to be independent are not limited to a single company and that gives them the ability to insure with a variety of different insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, an independent agent can move your coverage and the insured can keep the same agent.

When shopping rates, we recommend you contact several independent agencies in order to have the best price comparison. Most independent agents also contract with mutual insurance companies that may provide cheaper car insurance rates.

Shown below are Milwaukee independent insurance agencies that are able to give price quote information.

• Bill Luepke Insurance Agency
  1223 E Howard Ave – Milwaukee, WI 53207 – (414) 482-1040 – View Map
• Santiago Insurance Agency
  828 W Historic Mitchell St – Milwaukee, WI 53204 – (414) 727-8284 – View Map
• Philleo Agency Insurance
  12555 W Burleigh Rd – Brookfield, WI 53005 – (262) 432-4200 – View Map

View more agents

Upon getting acceptable answers to any questions you have and an affordable coverage quote, most likely you have located an insurance agent that will properly insure your vehicles. Keep in mind it’s your policy and you can cancel coverage when you choose so never feel that you are obligated to a policy for the full policy term.

Find affordable rates by being thorough

We just presented some good ideas how you can shop for Subaru Impreza insurance online. The key concept to understand is the more you quote Milwaukee car insurance, the better your chances of lowering your rates. Consumers may even find the best prices are with some of the lesser-known companies.

People who switch companies do it for many reasons like policy cancellation, an unsatisfactory settlement offer, high prices or extreme rates for teen drivers. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

When getting Milwaukee car insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. Too many times, someone sacrificed collision coverage only to find out that it was a big error on their part. Your objective should be to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

Additional articles

• All About Airbag Safety (State Farm)
• Who Has Cheap Auto Insurance for Hybrid Vehicles in Milwaukee? (FAQ)
• State Laws for Cellphones and Texting (iihs.org)
• Teen Driving Statistics (GEICO)
• Your Car has been Stolen: Now What? (Allstate)