2002 Subaru Outback Insurance Cost

Are you at wits end from scraping the payment together each month for car insurance? Your situation is no different than many other drivers. There is such a variety of car insurance companies to choose from, and although it’s a good thing to have a selection, it makes it harder to get the best deal.

This information will tell you how car insurance quotes work and some tips to save money. If you have car insurance now, you should be able to save some money using these methods. Consumers just need to learn the proper way to compare company rates over the internet.

How much does car insurance cost?

Reducing your 2002 Subaru Outback insurance rates can be relatively painless. All you need to do is invest a little time getting comparison quotes to find. Price comparisons can be done using one of these methods.

  1. The recommended way to find low rates is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating boring form submissions for every company. One quote request will get you rate comparisons from all major companies.
  2. A different way to analyze rates is to take the time to go to the website for every company you want to comare and fill out a new quote form. For sake of this example, we’ll pretend you want to get rates from Liberty Mutual, Geico and American Family. You would need to navigate to each company’s site and repeatedly enter your information, which is not fast way to get rate quotes. For a list of companies in your area, click here.
  3. The old school method of getting rate comparisons is physically going to insurance agencies in your area. The ability to get quotes online has made agencies unnecessary unless you want the professional assistance that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to comparison shop your insurance online but have your policy serviced through an agent.

Whichever method you choose, make sure you compare nearly identical coverage limits and deductibles with every price quote. If each company quotes different deductibles then you won’t be able to determine the lowest rate for your Subaru Outback.

Find discounts on car insurance

The price of auto insurance can be rather high, but you might be missing out on some discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but some must be asked about in order for you to get them.

  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Outback insurance than their less cautious counterparts.
  • Discount for Swiching Early – A few companies give discounts for renewing your policy before your current policy expires. This can save 10% or more.
  • Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and do not take a car to college could qualify for this discount.
  • Low Mileage – Driving fewer miles can earn cheaper prices.
  • Telematics Devices – Insureds who allow data collection to look at where and when they drive by using a telematics device in their vehicle like Allstate’s Drivewise may get a rate reduction if they are good drivers.
  • First Accident Forgiveness – This one isn’t a discount, but certain companies may permit one accident before they charge you more for coverage if you are claim-free for a specific time period.

We need to note that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, you aren’t that lucky. Any amount of discount will definitely reduce the amount you have to pay.

To locate car insurance companies that provide some of the discounts listed above, follow this link.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation may require specific advice.

  • Am I insured when driving a different vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does coverage extend to my business vehicle?
  • When does my teenage driver need to be added to my policy?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

How insurance companies calculate Subaru Outback insurance premiums

Many different elements are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, but other criteria are less apparent like your vehicle usage or your vehicle rating.

  • Employer can influence premiums – Occupational choices like military personnelairline pilots and accountants tend to pay the highest rates attributed to intense work requirements and long work hours. Conversely, professions such as scientists, engineers and performers get better rates for Outback insurance.
  • Costs are affected by your address – Living in small towns and rural areas has definite advantages when insuring your vehicles. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft. Residents of big cities have to deal with more traffic problems and more severe claims. The longer drive time means a statistically higher chance of an accident.
  • Better insurance rates for uninterrupted coverage – Not having insurance is a misdemeanor and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, getting caught without coverage could result in a steep fine or even jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Age of drivers impacts premiums – Older drivers are more cautious drivers, file fewer claims and are safer drivers.Drivers with little experience are statistically shown to be inattentive and easily distracted in a vehicle therefore insurance rates are much higher.
  • Buy as much liability insurance as you can afford – A critical coverage on your policy, liability insurance will protect you in the event that a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Save money with higher coverage deductibles – Physical damage deductibles are how much you are required to spend out-of-pocket if a claim is determined to be covered. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of covered claims would be colliding with a stationary object, vandalism, or theft of your vehicle. The more money the insured has to pay upfront, the lower your rates will be for Outback insurance.
  • Better drivers pay the best prices – Careful drivers receive lower rates than people who have multiple driving citations. Just one citation can bump up the cost twenty percent or more. Drivers who have gotten flagrant citations like DUI or willful reckless driving may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.

Auto insurance coverages

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as medical services, funeral expenses, structural damage and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision coverage

Collision coverage covers damage to your Outback resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Subaru Outback.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills for dental work, surgery, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, rock chips in glass, vandalism, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In any little way, save everyday

Lower-priced car insurance is attainable from both online companies in addition to local insurance agencies, so get free car insurance quotes from both of them so you have a total pricing picture. Some car insurance companies may not offer online quoting and many times these smaller providers work with independent insurance agents.

As you quote car insurance, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

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