Cheaper 2008 Subaru Outback Insurance Rates

Trying to find cheaper insurance for a new or used Subaru Outback can normally be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to find insurance coverage online and you need to know the absolute fastest way to quote coverages for a new or used Subaru and locate the best price possible either online or from local insurance agents.

Consumers should take time to get comparison quotes yearly because rates change quite often. Even if you got the best rate on Outback coverage two years ago there is a good chance you can find better prices now. Don’t believe everything you read about insurance coverage online but I’m going to show you some proven techniques to lower your insurance coverage rates.

Why your insurance prices might be higher

Many factors are used when pricing auto insurance. Some of the criteria are obvious like your driving record, but others are less apparent such as whether you are married and annual miles driven.It’s important that you understand a few of the rating criteria that aid in calculating the level of your policy premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that may result in lower rates.

The factors shown below are a few of the things used by your company to calculate prices.

Physical damage deductibles – Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. A few examples of covered claims are a windshield shattered by a rock, hitting a deer, or theft. The deductibles you choose tell how much the insured will be required to pay in the event of a claim. The more money you choose to pay out-of-pocket, the better rate you will receive on Outback coverage.
Your job is a factor – Did you know your auto insurance rates can be affected by your occupation? Careers like judges, architects and miners generally have higher average rates in part from high stress and long work days. On the other hand, jobs such as actors, athletes and homemakers generally pay rates lower than average on Outback coverage.
Advanced theft deterrents – Owning a car with a theft deterrent system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
Liability insurance preserves assets – Liability insurance will protect you if ever you are determined to be liable for an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so do not cut corners here.

How to find low cost auto insurance

Lowering your 2008 Subaru Outback auto insurance rates is surprisingly easy. All you need to do is invest a few minutes to get quotes from some recommended companies. This can be done by following the guidelines below.

Hands down the most simple method to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do boring form submissions for each company. Just one form compares rates direct from many companies.It’s the quickest way to get rates.
A more difficult way to get quotes online is to manually visit the website of each company to request a price quote. For examples sake, let’s say you want comparison quotes from State Farm, Allstate and Farmers. In order to compare rates, you need to go to every website and enter your information, which is why the first method is more popular. For a list of companies in your area, click here.
The most difficult way of comparing rate quotes is calling or driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the extra assistance of an agent trained in personal lines coverage. Although, it is possible comparison shop online and still use a local agent.

The method you choose is up to you, but compare the exact same deductibles and coverage limits with every price quote. If the quotes have unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Subaru Outback.

Insurance advertising tricks

Consumers can’t avoid all the ads for the lowest price car insurance from the likes of 21st Century, Allstate and State Farm. They all seem to make the same claim about how much you will save if you get a free auto insurance quote and switch your coverage to them.

Is it even possible that every company can say the same thing?

Most companies have specific characteristics for the driver that earns them a profit. One example of a preferred risk could be between the ages of 30 and 50, has never had a policy lapse, and has great credit. Someone who fits that profile will get very good rates and most likely will cut their rates substantially.

Drivers who do not meet these stringent criteria may receive more expensive rates which leads to the customer not purchasing. If you pay attention, the ads say “drivers who switch” not “everyone that quotes” can save as much as they claim. This is how companies can truthfully make those statements.

This emphasizes why it is so important to do a rate comparison at every renewal. It’s just not possible to know which car insurance company will have the lowest prices for your situation.

Car insurance policy discounts

Auto insurance companies do not advertise their entire list of discounts in an easy-to-find place, so the list below gives a summary of both the well known and the more hidden discounts you could be receiving when you buy auto insurance online. If you are not receiving all the discounts you qualify for, you could be getting lower rates.

Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
Membership in Organizations – Joining qualifying clubs or civic groups may earn a discount on your bill.
Homeowners Discount – Being a homeowner can save a few bucks because it requires personal responsibility.
No Charge for an Accident – This isn’t a discount exactly, but companies like Progressive, State Farm and Geico permit an accident before hitting you with a surcharge if you have no claims prior to the accident.
ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and the ABS can save up to 10%.
Paperless Signup – Some of the larger companies may give you up to $50 for completing your application on their website.
Safety Course Discount – Successfully completing a course teaching driver safety skills could possibly earn you a 5% discount and also improve your driving technique.
No Accidents – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote when compared with drivers who are more careless.

As a sidenote, some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

A list of car insurance companies and some of their more popular discounts include:

AAA may have discounts that include education and occupation, pay-in-full, multi-car, AAA membership discount, good student, and multi-policy.
Progressive offers discounts for good student, continuous coverage, online quote discount, homeowner, and multi-policy.
State Farm includes discounts for multiple autos, good student, Steer Clear safe driver discount, driver’s education, accident-free, student away at school, and Drive Safe & Save.
Esurance has savings for renters, good student, multi-car, online shopper, paid-in-full, Pac-12 alumni, and claim free.
Nationwide may offer discounts for multi-policy, business or organization, easy pay, accident-free, defensive driving, and good student.

Double check with each company or agent what discounts are available to you. Some discounts may not be offered in your state.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

Which is better, split liability limits or combined limits?
Do I need PIP coverage since I have good health insurance?
Do I have coverage when pulling a U-Haul trailer?
What is the ISO rating for a 2008 Subaru Outback?
Is my 2008 Subaru Outback covered for flood damage?
Where can I find high-risk insurance?
Is my dog or cat covered if injured in an accident?
Is my state a no-fault state?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance coverage considerations

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Auto liability insurance – This coverage will cover injuries or damage you cause to other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical services, medical expenses, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for things like prosthetic devices, surgery, funeral costs, nursing services and hospital visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Subaru Outback.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Collision – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, hitting a parking meter, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverages – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, falling objects, vandalism, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Saving money makes a lot of cents

We’ve covered some good ideas how you can get a better price on 2008 Subaru Outback insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding inexpensive auto insurance. Consumers may even find the best prices are with some of the smallest insurance companies.

Affordable 2008 Subaru Outback insurance can be found on the web in addition to many insurance agents, so you need to shop auto insurance with both to have the best rate selection. There are still a few companies who don’t offer online price quotes and most of the time these small, regional companies work with independent agencies.

Drivers leave their current company for a variety of reasons including policy cancellation, denial of a claim, delays in responding to claim requests or questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.