The best way we recommend to get the cheapest Subaru Impreza insurance in Minneapolis is to do a yearly price comparison from different companies who can sell car insurance in Minnesota.
First, take a few minutes and learn about auto insurance and the factors you can control to prevent expensive coverage. Many policy risk factors that drive up the price like at-fault accidents, speeding tickets, and a not-so-good credit rating can be rectified by making minor changes to your lifestyle.
Second, compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or State Farm, while independent agencies can quote rates from multiple companies.
Third, compare the quotes to your existing rates to see if cheaper Impreza coverage is available. If you find a better price and buy the policy, make sure there is no lapse in coverage.
Fourth, notify your agent or company of your decision to cancel your current auto insurance policy and submit a down payment along with a completed application to the newly selected company. As soon as you receive it, place your new proof of insurance certificate in a readily accessible location in your vehicle.
A valuable tip to remember is to try to use similar limits and deductibles on each price quote and and to get price quotes from as many companies as you can. This helps ensure the most accurate price comparison and the best price selection.
It goes without saying that auto insurance companies want to keep you from shopping around. Drivers who perform rate comparisons are highly likely to switch insurance companies because they have good chances of getting low-cost coverage. Surprisingly, a recent survey revealed that people who compared rates regularly saved as much as $72 a month compared to drivers who never shopped around.
If finding the lowest price on insurance is your ultimate goal, understanding how to quote and compare insurance premiums can help you succeed in finding affordable rates.
If you are insured now, you will surely be able to lower your rates using this information. Locating the most cost-effective car insurance policy in Minneapolis is quite easy. But Minnesota drivers need to learn how big insurance companies determine prices and apply this information to your search.
Save with these discounts on Subaru Impreza insurance in Minneapolis
Car insurance is not cheap, but you may be missing some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but lesser-known reductions have to be inquired about before being credited.
- Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 25 to 30%.
- Driver Safety – Successfully completing a course in defensive driver may get you a small discount if you qualify.
- Good Student Discount – Being a good student may save you up to 25%. Most companies allow this discount up to age 25.
- Full Payment Discount – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
- Paperwork-free – Many larger companies give back up to $50 for buying a policy and signing up on the internet.
- ABS Brakes – Cars and trucks with ABS and/or traction control are safer to drive so you can save 10 percent or more.
- Memberships – Participating in certain professional organizations could qualify you for a break when shopping for auto insurance.
- Distant Student Discount – College-age children living away from Minneapolis attending college and do not have access to a covered vehicle could qualify for this discount.
As a sidenote, some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.
The example below compares Subaru Impreza premium costs with and without discounts being applied to the rates. Data assumes a male driver, a clean driving record, no at-fault accidents, Minnesota state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.
A few popular companies and their offered discounts can be read below.
- State Farm may have discounts that include driver’s education, accident-free, good driver, student away at school, and multiple policy.
- Esurance discounts include defensive driver, paid-in-full, anti-lock brakes, emergency road assistance, good driver, multi-policy, and Pac-12 alumni.
- Progressive may include discounts for continuous coverage, homeowner, online quote discount, multi-vehicle, good student, and multi-policy.
- Liberty Mutual policyholders can earn discounts including new vehicle discount, newly retired, safety features, good student, and multi-car.
- Auto-Owners Insurance offers premium reductions for safe vehicle, multiple vehicles, safe driver, air bags, and teen driver.
- GEICO offers discounts including seat belt use, multi-vehicle, military active duty, driver training, good student, and air bags.
If you need lower rates, check with all the companies which credits you are entitled to. Savings might not be offered in your area. To locate insurance companies with discount auto insurance rates in Minneapolis, follow this link.
How to buy Minneapolis Subaru Impreza insurance online
Just keep in mind that comparing more quotes will increase your chances of finding more affordable insurance.
The companies in the list below can provide price comparisons in Minnesota. To find cheap auto insurance in Minneapolis, we recommend you get rate quotes from several of them to get the best price comparison.
Detailed insurance information
The data table displayed below outlines detailed analysis of prices for Subaru Impreza models. Being able to understand how auto insurance prices are established can help customers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $210 | $336 | $298 | $18 | $90 | $952 | $79 |
| Impreza 2.5I 4WD Station Wagon | $210 | $336 | $298 | $18 | $90 | $952 | $79 |
| Impreza Outback Sport 4WD Station Wagon | $210 | $410 | $298 | $18 | $90 | $1,026 | $86 |
| Impreza 2.5I AWD 4-Dr | $238 | $410 | $298 | $18 | $90 | $1,054 | $88 |
| Impreza 2.5I Premium Package AWD 4-Dr | $238 | $482 | $298 | $18 | $90 | $1,126 | $94 |
| Impreza WRX 4WD Station Wagon | $238 | $482 | $298 | $18 | $90 | $1,126 | $94 |
| Impreza 2.5 GT 4WD Station Wagon | $264 | $482 | $298 | $18 | $90 | $1,152 | $96 |
| Impreza WRX AWD 4-Dr | $264 | $554 | $298 | $18 | $90 | $1,224 | $102 |
| Impreza 2.5I GT AWD 4-Dr | $264 | $554 | $298 | $18 | $90 | $1,224 | $102 |
| Impreza WRX STI 4WD Station Wagon | $264 | $554 | $298 | $18 | $90 | $1,224 | $102 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in specific location which can revise auto insurance rates noticeably.
Physical damage deductibles
One of the most common insurance questions is which deductibles should you choose. The comparison tables below help summarize how much more you’ll pay between high and low policy deductibles. The first table uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $272 | $406 | $318 | $18 | $94 | $1,133 | $94 |
| Impreza 2.5I 4WD Station Wagon | $272 | $406 | $318 | $18 | $94 | $1,133 | $94 |
| Impreza Outback Sport 4WD Station Wagon | $272 | $492 | $318 | $18 | $94 | $1,219 | $102 |
| Impreza 2.5I AWD 4-Dr | $308 | $492 | $318 | $18 | $94 | $1,255 | $105 |
| Impreza 2.5I Premium Package AWD 4-Dr | $308 | $580 | $318 | $18 | $94 | $1,343 | $112 |
| Impreza WRX 4WD Station Wagon | $308 | $580 | $318 | $18 | $94 | $1,343 | $112 |
| Impreza 2.5 GT 4WD Station Wagon | $344 | $580 | $318 | $18 | $94 | $1,379 | $115 |
| Impreza WRX AWD 4-Dr | $344 | $668 | $318 | $18 | $94 | $1,467 | $122 |
| Impreza 2.5I GT AWD 4-Dr | $344 | $668 | $318 | $18 | $94 | $1,467 | $122 |
| Impreza WRX STI 4WD Station Wagon | $344 | $668 | $318 | $18 | $94 | $1,467 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $200 | $274 | $318 | $18 | $94 | $904 | $75 |
| Impreza 2.5I 4WD Station Wagon | $200 | $274 | $318 | $18 | $94 | $904 | $75 |
| Impreza Outback Sport 4WD Station Wagon | $200 | $334 | $318 | $18 | $94 | $964 | $80 |
| Impreza 2.5I AWD 4-Dr | $224 | $334 | $318 | $18 | $94 | $988 | $82 |
| Impreza 2.5I Premium Package AWD 4-Dr | $224 | $392 | $318 | $18 | $94 | $1,046 | $87 |
| Impreza WRX 4WD Station Wagon | $224 | $392 | $318 | $18 | $94 | $1,046 | $87 |
| Impreza 2.5 GT 4WD Station Wagon | $250 | $392 | $318 | $18 | $94 | $1,072 | $89 |
| Impreza WRX AWD 4-Dr | $250 | $452 | $318 | $18 | $94 | $1,132 | $94 |
| Impreza 2.5I GT AWD 4-Dr | $250 | $452 | $318 | $18 | $94 | $1,132 | $94 |
| Impreza WRX STI 4WD Station Wagon | $250 | $452 | $318 | $18 | $94 | $1,132 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in garaging location in Minneapolis which can affect premium rates greatly.
Based on these figures, using a $100 deductible costs approximately $24 more each month or $288 every year averaged for all Impreza models than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 17 months between claims, you would save more money going with the higher deductible.
The information below demonstrates how deductibles and can change Subaru Impreza insurance costs for different ages of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
When in doubt talk to an agent
Keep in mind that when it comes to choosing coverage online or from an agent for your vehicles, there is no one-size-fits-all type of policy. Each situation is unique so your insurance should reflect that
These are some specific questions might help in determining if your insurance needs would benefit from professional advice.
- Is my babysitter covered when using my vehicle?
- What vehicles should carry emergency assistance coverage?
- Am I covered by my spouse’s policy after a separation?
- What can I do if my company won’t pay a claim?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Can I afford low physical damage deductibles?
- Do I need PIP coverage since I have good health insurance?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
Local Minneapolis auto insurance agents
Certain consumers just prefer to visit with an insurance agent and that is just fine! The biggest benefit of comparing rates online is the fact that drivers can get lower rates but also keep your business local. And buying from local agencies is definitely important in Minneapolis.
After completing this quick form, your coverage information is emailed to insurance agents in Minneapolis that give free quotes for your car insurance coverage. You never need to leave your computer as quotes are delivered directly to your email. You can most likely find cheaper rates and work with a local agent. If you need to quote rates for a specific company, just navigate to their website and fill out their quote form.
If you’re trying to find a reliable agent, it’s helpful to know the types of agencies and how they function. Agencies in Minneapolis may be either exclusive agents or independent agents.
Independent Agents
These type of agents are not employed by any specific company and that allows them to write policies through many different car insurance companies and find you cheaper rates. If prices rise, they simply move your policy to a different company without you having to go to a different agency.
When searching for an agent, you should always include at a minimum one independent agency for maximum quote selection.
Featured below is a list of independent insurance agencies in Minneapolis that may be able to give you free rate quotes.
Germain Insurance Agency
315 W 46th St – Minneapolis, MN 55419 – (612) 822-7983 – View Map
Landreau Insurance Group Inc
2615 E Franklin Ave – Minneapolis, MN 55406 – (612) 276-7035 – View Map
Abbco Insurance Agency Co.
6227 University Ave NE – Minneapolis, MN 55632 – (763) 571-2880 – View Map
Exclusive Insurance Agents
These agents normally can only provide a single company’s rates like State Farm, Allstate and AAA. Exclusive agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their products and sales techniques and that allows them to sell at a higher price point.
The following are exclusive insurance agencies in Minneapolis that can give you price quote information.
AAA Minneapolis Insurance
5400 Auto Club Way – Minneapolis, MN 55416 – (952) 927-2518 – View Map
Allstate Insurance: Mohamud Isse
331 E Lake St – Minneapolis, MN 55408 – (612) 353-6667 – View Map
Allstate Insurance: Ed Scislow
5208 Bloomington Ave – Minneapolis, MN 55417 – (612) 353-5410 – View Map
Finding a good insurance agent is decision based upon more than just a low price. These questions are important to ask:
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How would your car be valued if totaled?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Which insurance companies are they affiliated with?
- If you have an accident, will your rates go up?
- Are they actively involved in the community?
- Is auto insurance their primary focus in Minneapolis?
- Can you choose the body shop in case repairs are needed?
How to find a good Minnesota auto insurance company
Finding the best company can be difficult considering how many companies are available to choose from in Minneapolis. The ranking data shown below may help you analyze which auto insurance companies to look at comparing rate quotes with.
Top 10 Minneapolis Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
- Progressive – 87%
Top 10 Minneapolis Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Cheaper car insurance rates are out there
When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced collision coverage only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.
Cheap Subaru Impreza insurance in Minneapolis is possible both online and with local Minneapolis insurance agents, and you should compare rates from both to have the best rate selection. A few companies may not provide rate quotes online and these regional carriers only sell coverage through independent insurance agencies.
Other learning opportunities
- Rental Car Insurance Tips (Insurance Information Institute)
- Who Has Affordable Auto Insurance for a Ford F-150 in Minneapolis? (FAQ)
- Who Has Affordable Minneapolis Auto Insurance for Drivers with Bad Credit? (FAQ)
- What is the Cheapest Car Insurance in Minneapolis, MN? (FAQ)
- Who Has Affordable Auto Insurance for a Jeep Grand Cherokee in Minneapolis? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)