Want to learn the secrets to finding low-cost auto insurance rates in Houston, TX? Houston buyers have options when searching for the lowest priced Subaru Impreza insurance. You can either waste hours calling around getting price quotes or leverage the internet to compare rates.
There are both good and bad ways to compare auto insurance rates so we’re going to tell you the proper way to get price quotes on a Subaru and get the cheapest rates either online or from Houston insurance agents.
These techniques will introduce you to how car insurance companies work and how you can save the most money. If you have a current auto insurance policy, you will most likely be able to get lower rates using the techniques presented in this article. Smart shoppers just need to know the quickest way to find the lowest price online.
Best Subaru Impreza insurance rates in Texas
The companies shown below are ready to provide price comparisons in Texas. If multiple companies are shown, we suggest you click on several of them in order to find the cheapest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $230 | $346 | $366 | $22 | $110 | $1,074 | $90 |
| Impreza 2.5I 4WD Station Wagon | $326 | $502 | $514 | $30 | $154 | $1,526 | $127 |
| Impreza Outback Sport 4WD Station Wagon | $294 | $496 | $382 | $22 | $114 | $1,308 | $109 |
| Impreza 2.5I AWD 4-Dr | $356 | $670 | $496 | $30 | $148 | $1,700 | $142 |
| Impreza 2.5I Premium Package AWD 4-Dr | $322 | $572 | $388 | $24 | $116 | $1,422 | $119 |
| Impreza WRX 4WD Station Wagon | $336 | $642 | $392 | $24 | $118 | $1,512 | $126 |
| Impreza 2.5 GT 4WD Station Wagon | $376 | $642 | $392 | $24 | $118 | $1,552 | $129 |
| Impreza WRX AWD 4-Dr | $224 | $486 | $462 | $28 | $138 | $1,338 | $112 |
| Impreza 2.5I GT AWD 4-Dr | $370 | $672 | $382 | $22 | $114 | $1,560 | $130 |
| Impreza WRX STI 4WD Station Wagon | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in specific location which can modify premium rates substantially.
Raise deductibles and save
One frequently asked question is how high should the physical damage coverage deductibles be. The tables below help summarize how much more you’ll pay between high and low coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Impreza 2.5I 4WD Station Wagon | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Impreza Outback Sport 4WD Station Wagon | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Impreza 2.5I AWD 4-Dr | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Impreza 2.5I Premium Package AWD 4-Dr | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Impreza WRX 4WD Station Wagon | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Impreza 2.5 GT 4WD Station Wagon | $370 | $584 | $382 | $22 | $114 | $1,497 | $125 |
| Impreza WRX AWD 4-Dr | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Impreza 2.5I GT AWD 4-Dr | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Impreza WRX STI 4WD Station Wagon | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Impreza 2.5I 4WD Station Wagon | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Impreza Outback Sport 4WD Station Wagon | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Impreza 2.5I AWD 4-Dr | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Impreza 2.5I Premium Package AWD 4-Dr | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Impreza WRX 4WD Station Wagon | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Impreza 2.5 GT 4WD Station Wagon | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Impreza WRX AWD 4-Dr | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Impreza 2.5I GT AWD 4-Dr | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Impreza WRX STI 4WD Station Wagon | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific garaging location which can decrease or increase coverage rates significantly.
Using the data above, we can ascertain that using a $250 deductible costs roughly $30 more each month or $360 annually than buying the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 25 months between claim filings, you would probably be better off if you elect the higher deductible.
Cheap Subaru Impreza insurance in Houston
Not too many consumers would say auto insurance is affordable, but there may be some discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you quote, but occasionally some discounts must be asked for in order for you to get them.
- Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and will save you 10% or more on Impreza insurance in Houston.
- Telematics Data Discounts – People who choose to allow driving data collection to track driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as the data is positive.
- Discounts for Responsible Drivers – Accident-free drivers can save up to 40% or more on their Houston auto insurance quote as compared to drivers with claims.
- Distant College Student Discount – College-age children living away from Houston attending college and do not have a car could get you a discount.
- No Charge for an Accident – Not necessarily a discount, but companies like State Farm and GEICO allow you one accident without the usual rate increase if your claims history is clear prior to the accident.
- Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it’s just not the way it works.
A list of auto insurance companies and the discounts they provide can be read below.
- GEICO offers discounts for federal employee, seat belt use, military active duty, defensive driver, membership and employees, anti-theft, and anti-lock brakes.
- Auto-Owners Insurance has discounts for safe vehicle, teen driver, anti-theft, paperless, group or association, good student, and air bags.
- American Family has savings for defensive driver, early bird, bundled insurance, Steer into Savings, accident-free, and mySafetyValet.
- Esurance offers discounts including Switch & Save, DriveSense, renters, good student, paid-in-full, defensive driver, and emergency road assistance.
- Progressive may offer discounts for online quote discount, good student, continuous coverage, multi-vehicle, multi-policy, homeowner, and online signing.
- State Farm offers premium reductions for defensive driving training, Drive Safe & Save, passive restraint, good student, driver’s education, Steer Clear safe driver discount, and accident-free.
- AAA includes discounts for AAA membership discount, pay-in-full, multi-policy, good driver, good student, and anti-theft.
When comparing rates, check with every insurance company how many discounts you can get. Some credits may not apply to policies in every state. If you would like to choose from a list of auto insurance companies who offer online Subaru Impreza insurance quotes in Texas, click here to view.
What if I want to buy from local Houston auto insurance agents?
Some consumers would rather go talk to an agent and that is not a bad decision Experienced insurance agents can help you build your policy and help you file claims. The best thing about getting free rate quotes online is that you can obtain the lowest rates but still work with a licensed agent. And providing support for local insurance agents is definitely important in Houston.
By using this short form, your information is submitted to agents in your area that can give you free Houston auto insurance quotes for your insurance coverage. You don’t have to search for an agent because prices are sent immediately to your email address. In the event you want to compare rates from a specific insurance company, just find their quoting web page and fill out their quote form.
Different types of car insurance agents in Houston
If you need to find a local Houston insurance agency, it’s important to understand the different types of agents and how they can service your needs differently. Agencies in Houston are classified as either exclusive or independent agents depending on their company appointments. Both types of agents can provide insurance policies, but it’s worth learning the difference in how they write coverage since it could factor into the kind of agent you use.
Independent Agencies or Brokers
Agents that choose to be independent are not employed by one company so they can write business amongst many companies enabling the ability to shop coverage around. If prices rise, your agent can switch companies and you won’t have to switch agencies. When shopping rates, we highly recommend that you contact a few independent agents in order to compare the most rates. They often place coverage with lesser-known insurance companies which can be an advantage.
Featured below is a partial list of independent insurance agencies in Houston that can possibly get you free insurance quotes.
- Moon Insurance Agency
360 FM 1959 – Houston, TX 77034 – (281) 484-8320 – View Map - Oscar’s Insurance Agency
5921 S Gessner Rd – Houston, TX 77036 – (713) 271-8889 – View Map - Baxter Insurance Agency, Inc.
450 North Sam Houston Pkwy E #103 – Houston, TX 77060 – (281) 445-1381 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can only provide one company’s prices and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They are unable to compare other company’s rates so you might not find the best rates. These agents are usually well trained on their products and sales techniques and that enables them to sell even at higher rates. Consumers sometimes buy from exclusive agents mainly due to the prominent brand name rather than having the cheapest rates.
Listed below is a short list of exclusive insurance agencies in Houston that can give you rate quotes.
- State Farm: Jack Wallace
3405 Mercer St – Houston, TX 77027 – (713) 626-7500 – View Map - State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map - James Banks – State Farm Insurance Agent
4809 Main St – Houston, TX 77002 – (713) 523-7100 – View Map
Deciding on an auto insurance agent should depend on more than just a cheap price. You should also get answers to these questions.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Does the company have a local claim office in Houston?
- Is the coverage adequate for your vehicle?
- Do they have cheaper tiers of coverage?
- Is the agency active in community causes in Houston?
- Can they help ensure a fair claim settlement?
Car insurance coverages explained
Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
Collision protection
This will pay to fix damage to your Impreza resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like damaging your car on a curb, crashing into a building, crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible on your Impreza to save money on collision insurance.
Comprehensive or Other Than Collision
Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as falling objects, hitting a deer, vandalism and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for liability
This coverage will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 30/60/25 which means $30,000 in coverage for each person’s injuries, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things like emergency aid, attorney fees, pain and suffering, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Texas requires minimum liability limits of 30/60/25 but it’s recommended drivers buy better liability coverage.
Medical costs insurance
Coverage for medical payments and/or PIP reimburse you for bills for chiropractic care, dental work, prosthetic devices and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible
UM/UIM Coverage
This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Subaru Impreza.
Since a lot of drivers have only the minimum liability required by law (30/60/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.
Affordable auto insurance premiums are possible
We just presented many ways to compare Subaru Impreza insurance prices in Houston. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Drivers may even discover the best price on auto insurance is with the smaller companies.
Some companies don’t offer the ability to get quotes online and these smaller providers provide coverage only through independent insurance agencies. Lower-priced auto insurance in Houston is attainable on the web and also from your neighborhood Houston agents, so you should be comparing quotes from both to get a complete price analysis.
People leave their current company for many reasons like lack of trust in their agent, high rates after DUI convictions, policy cancellation and even policy non-renewal. It doesn’t matter what your reason, finding a new auto insurance company can be easier than you think.
Much more information about auto insurance in Texas can be found at these links:
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has the Cheapest Car Insurance for Used Cars in Houston? (FAQ)
- Who Has Cheap Car Insurance Quotes for a 20 Year Old Male in Houston? (FAQ)
- How Much is Car Insurance for Retired Military in Houston? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Where can I buy Insurance? (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Insurance Losses by Make and Model (iihs.org)