Unbelievable but true, most insurance customers kept their coverage with the same insurance company for more than four years, and nearly 40% of drivers have never even shopped around for cheap coverage. Louisiana consumers could save nearly 35% a year by just shopping around, but they think it’s difficult to compare rate quotes online.
If your goal is the lowest price, then the best way to find more affordable Subaru Impreza insurance is to compare quotes once a year from insurance carriers in New Orleans. You can compare prices by following these steps.
- First, try to learn a little about how insurance works and the things you can control to keep rates in check. Many policy risk factors that drive up the price like traffic citations, accidents, and an unacceptable credit rating can be controlled by improving your driving habits or financial responsibility. Keep reading for additional ideas to get lower rates and find hidden discounts.
- Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agents can provide price quotes for many different companies.
- Third, compare the new rate quotes to the premium of your current policy to see if cheaper Impreza coverage is available in New Orleans. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, give proper notification to your current agent or company to cancel your current coverage and submit the signed application along with the required initial payment to the newly selected company. Immediately safely store the certificate of insurance with your registration paperwork.
One thing to point out is that you’ll want to compare similar limits and deductibles on every quote request and and to get quotes from as many auto insurance providers as possible. This provides a fair price comparison and a good representation of prices.
If you are already insured or are looking for a new policy, follow these tips to reduce the price you pay without reducing protection. Locating the most cost-effective insurance policy in New Orleans is easy if you know what you’re doing. Drivers only have to learn the quickest way to compare rates online.
Save a ton by receiving discounts
Companies do not list every policy discount in a way that’s easy to find, so here is a list a few of the more common as well as some of the hidden discounts that you can inquire about if you buy New Orleans auto insurance online.
- Service Members Pay Less – Being on active deployment in the military could be rewarded with lower rates.
- Own a Home – Just owning your own home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
- Savings for New Vehicles – Buying a new car instead of a used Impreza can save you some money compared to insuring an older model.
- Telematics Discount – People who choose to allow their insurance company to scrutinize driving patterns by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they show good driving skills.
- Professional Organizations – Affiliation with a qualifying organization is a good way to get lower rates when getting a New Orleans auto insurance quote.
You should keep in mind that some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, it’s just not the way it works.
The chart below illustrates the difference between Subaru Impreza insurance premiums with and without discounts. The information is based on a female driver, no claims or driving citations, Louisiana state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, homeowner, safe-driver, and claim-free discounts applied.
A few companies that may include most of these discounts include:
Check with every insurance company which discounts you qualify for. All car insurance discounts may not be offered in your state. To locate insurance companies with discount rates in Louisiana, follow this link.
Getting a cheaper price on Subaru Impreza insurance is actually easier than you may think. The only thing you need to do is spend a few minutes comparing rates to see which company has affordable Subaru Impreza insurance quotes.
Comparing free rate quotes online is easy and it, takes the place of having to actually drive to and from local New Orleans insurance agencies. Comparing Subaru Impreza insurance rates online can eliminate the need for a local agent unless you want the professional assistance of a local New Orleans agent. It is possible with some companies price shop your coverage online and have a local agent actually service the policy.
The companies in the list below are ready to provide price comparisons in Louisiana. To find cheap car insurance in New Orleans, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Subaru Impreza insurance coverage information
The price information displayed next outlines a range of insurance policy prices for Subaru Impreza models. Understanding more about how prices are formulated can assist in making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $216 | $306 | $474 | $28 | $142 | $1,166 | $97 |
| Impreza 2.5I 4WD Station Wagon | $216 | $306 | $474 | $28 | $142 | $1,166 | $97 |
| Impreza Outback Sport 4WD Station Wagon | $216 | $372 | $474 | $28 | $142 | $1,232 | $103 |
| Impreza 2.5I AWD 4-Dr | $242 | $372 | $474 | $28 | $142 | $1,258 | $105 |
| Impreza 2.5I Premium Package AWD 4-Dr | $242 | $440 | $474 | $28 | $142 | $1,326 | $111 |
| Impreza WRX 4WD Station Wagon | $242 | $440 | $474 | $28 | $142 | $1,326 | $111 |
| Impreza 2.5 GT 4WD Station Wagon | $270 | $440 | $474 | $28 | $142 | $1,354 | $113 |
| Impreza WRX AWD 4-Dr | $270 | $506 | $474 | $28 | $142 | $1,420 | $118 |
| Impreza 2.5I GT AWD 4-Dr | $270 | $506 | $474 | $28 | $142 | $1,420 | $118 |
| Impreza WRX STI 4WD Station Wagon | $270 | $506 | $474 | $28 | $142 | $1,420 | $118 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Table data does not factor in specific New Orleans garaging location which can decrease or increase coverage rates greatly.
Higher deductibles lower rates
One frequently asked question is how high should the physical damage coverage deductibles be. The following tables highlight the rate difference of buying low and high deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $358 | $498 | $464 | $28 | $140 | $1,513 | $126 |
| Impreza 2.5I 4WD Station Wagon | $358 | $498 | $464 | $28 | $140 | $1,513 | $126 |
| Impreza Outback Sport 4WD Station Wagon | $358 | $604 | $464 | $28 | $140 | $1,619 | $135 |
| Impreza 2.5I AWD 4-Dr | $406 | $604 | $464 | $28 | $140 | $1,667 | $139 |
| Impreza 2.5I Premium Package AWD 4-Dr | $406 | $712 | $464 | $28 | $140 | $1,775 | $148 |
| Impreza WRX 4WD Station Wagon | $406 | $712 | $464 | $28 | $140 | $1,775 | $148 |
| Impreza 2.5 GT 4WD Station Wagon | $452 | $712 | $464 | $28 | $140 | $1,821 | $152 |
| Impreza WRX AWD 4-Dr | $452 | $820 | $464 | $28 | $140 | $1,929 | $161 |
| Impreza 2.5I GT AWD 4-Dr | $452 | $820 | $464 | $28 | $140 | $1,929 | $161 |
| Impreza WRX STI 4WD Station Wagon | $452 | $820 | $464 | $28 | $140 | $1,929 | $161 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $222 | $312 | $464 | $28 | $140 | $1,166 | $97 |
| Impreza 2.5I 4WD Station Wagon | $222 | $312 | $464 | $28 | $140 | $1,166 | $97 |
| Impreza Outback Sport 4WD Station Wagon | $222 | $380 | $464 | $28 | $140 | $1,234 | $103 |
| Impreza 2.5I AWD 4-Dr | $250 | $380 | $464 | $28 | $140 | $1,262 | $105 |
| Impreza 2.5I Premium Package AWD 4-Dr | $250 | $448 | $464 | $28 | $140 | $1,330 | $111 |
| Impreza WRX 4WD Station Wagon | $250 | $448 | $464 | $28 | $140 | $1,330 | $111 |
| Impreza 2.5 GT 4WD Station Wagon | $278 | $448 | $464 | $28 | $140 | $1,358 | $113 |
| Impreza WRX AWD 4-Dr | $278 | $516 | $464 | $28 | $140 | $1,426 | $119 |
| Impreza 2.5I GT AWD 4-Dr | $278 | $516 | $464 | $28 | $140 | $1,426 | $119 |
| Impreza WRX STI 4WD Station Wagon | $278 | $516 | $464 | $28 | $140 | $1,426 | $119 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Estimates do not factor in vehicle garaging location which can change premium rates noticeably.
We can derive from the above data that using a $250 deductible could cost the average driver approximately $37 more each month or $444 annually than selecting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 20 months between claims, you would probably be better off by going with a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $250 deductibles: | $146 |
| Average monthly premium for $1,000 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $37 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $37 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
How careless driving impacts New Orleans auto insurance rates
The chart below demonstrates how citations and fender-benders drive up Subaru Impreza yearly insurance costs for different categories of driver ages. The rate quotes are based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Insurance agents can help
When choosing insurance from an agent or online, there isn’t really a best way to insure your cars. Everyone’s needs are different.
Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.
- Do I have coverage when using my vehicle for my home business?
- How much will a speeding ticket raise my rates?
- Do I have newly-acquired coverage?
- Am I covered when pulling a rental trailer?
- What is the difference between personal and commercial auto insurance policies?
- How can I force my company to pay a claim?
- How much can I save by bundling my policies?
- Can I afford low physical damage deductibles?
- Do I need replacement cost coverage on my Subaru Impreza?
- Exactly who is provided coverage by my policy?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.
Local New Orleans insurance agents
A small number of people would prefer to have an agent’s advice and we recommend doing that Professional insurance agents can help you choose the best coverages and give you someone to call. A good thing about comparing auto insurance online is you may find cheap rate quotes and still choose a local agent. Supporting local insurance agents is definitely important in New Orleans.
To find an agent, once you fill out this simple form, your coverage information is submitted to local insurance agents in New Orleans who will give you quotes and help you find cheaper coverage. You never need to drive around as quotes are delivered to you instantly. If you have a need to get a comparison quote for a specific company, you just need to navigate to their website and submit a quote form there.
Pick the best auto insurance agent in New Orleans for you
If you are wanting to find a local agent, you should know the different types of agents and how they are slightly different. Auto insurance agencies are categorized either independent agents or exclusive agents. Both types of agents can sell auto insurance policies, but it’s important to know why they differ since it can affect which agent you choose.
Independent Auto Insurance Agents (or Brokers)
Agents that choose to be independent do not work for one specific company and that enables them to quote your coverage with lots of companies and get the cheapest rates. If they find a lower price, they simply move your policy to a different company and you don’t have to switch agencies. If you are trying to find cheaper rates, it’s recommended you get rate quotes from multiple independent agents for the best price selection.
Listed below are New Orleans independent agencies that can possibly get you rate quotes.
ABC Insurance
4101 S Carrollton Ave c – New Orleans, LA 70119 – (504) 486-0123 – View Map
Nola Insurance Agency
2646 Banks St – New Orleans, LA 70119 – (504) 822-8770 – View Map
Martin Insurance Agency, Inc
4700 Orleans Ave – New Orleans, LA 70119 – (504) 486-6133 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive have only one company to place business with and some examples include American Family, State Farm, and Allstate. They are unable to shop your coverage around so keep that in mind. Exclusive agents are trained well on what they offer which helps them compete with independent agents.
Below are New Orleans exclusive agents that are able to give rate quotes.
State Farm – Mia DeLouise
5638 Jefferson Hwy – New Orleans, LA 70123 – (504) 739-7979 – View Map
Allstate Insurance: Daniel Rahman
701 Dante St c – New Orleans, LA 70118 – (504) 861-2700 – View Map
Reggie Glass – State Farm Insurance Agent
3800 Elysian Fields Ave – New Orleans, LA 70122 – (504) 944-4444 – View Map
Picking an insurance agent should include more criteria than just a low price. These are some questions you should get answers to.
- Do they receive special compensation for putting your coverage with one company over another?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is assistance available after office hours?
- How many companies do they write for?
If you receive reasonable responses and an affordable coverage quote, you may have found a car insurance agent that is reputable and can provide auto insurance coverage.
More quotes mean more auto insurance savings
People switch companies for a variety of reasons including policy non-renewal, questionable increases in premium, lack of trust in their agent or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new auto insurance company is not as difficult as it may seem.
Lower-priced auto insurance in New Orleans is definitely available online in addition to many New Orleans insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not have rate quotes online and these smaller providers prefer to sell through local independent agencies.
As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed liability coverage limits only to regret at claim time that the savings was not a smart move. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.
More detailed auto insurance information is located in the articles below:
- Understanding Limits and Deductibles (Allstate)
- How Much are Auto Insurance Quotes for Uninsured Drivers in New Orleans? (FAQ)
- Who Has the Cheapest Auto Insurance for a Jeep Grand Cherokee in New Orleans? (FAQ)
- What Car Insurance is Cheapest for Drivers with a Bad Driving Record in New Orleans? (FAQ)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)