Cheap 2010 Subaru Outback Insurance Quotes

Finding low cost Driverscar insurance might be quite difficult for drivers new to quoting coverage prices online. With literally dozens of online companies, it can easily become a difficult situation to find the perfect company for you.

Consumers need to compare rates every six months because prices fluctuate regularly. Even if you think you had the best quotes on Outback insurance a year ago other companies may now be cheaper. There is a lot of wrong information about car insurance online but in a few minutes you can learn the easiest ways to buy car insurance cheaper.

Find hidden discounts to get affordable auto insurance rates

Not many people think insurance is cheap, but discounts can save money and there are some available that can dramatically reduce your bill. Some discounts apply automatically when you quote, but a few must be inquired about before they will apply. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Discount for Good Grades – Being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Defensive Driver Discount – Completing a course teaching safe driver skills can save you 5% or more and make you a better driver.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Subaru may allow you to get discounted prices on garaged vehicles.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can get savings of 20 to 30 percent.
  • Paper-free Discount – Some of the larger companies will provide an incentive get car insurance on the internet.
  • Mature Driver Discount – If you’re over the age of 55, you may qualify for a small discount on rates on Outback insurance.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have a car may be insured at a cheaper rate.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
  • Early Renewal Discounts – Select auto insurance companies give a discount for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Save with a New Car – Adding a new car to your policy is cheaper because newer models have to meet stringent safety requirements.

It’s important to note that most discounts do not apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will help reduce the amount you pay for coverage.

A list of companies and their offered discounts include:

  • Farm Bureau may have discounts that include multi-vehicle, 55 and retired, multi-policy, good student, youthful driver, safe driver, and renewal discount.
  • Liberty Mutual may offer discounts for hybrid vehicle, safety features, good student, exclusive group savings, multi-policy, and teen driver discount.
  • State Farm has savings for student away at school, Steer Clear safe driver discount, driver’s education, multiple policy, good driver, and safe vehicle.
  • Auto-Owners Insurance offers premium reductions for safe driver, multiple vehicles, teen driver, good student, multi-policy, and group or association.
  • Geico policyholders can earn discounts including five-year accident-free, daytime running lights, good student, multi-policy, defensive driver, and military active duty.
  • SAFECO includes discounts for multi-car, accident prevention training, anti-theft, teen safe driver, and bundle discounts.

It’s a good idea to ask all the companies which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in your area. For a list of providers that offer discounts, follow this link.

How to compare insurance rate quotes

There are a variety of methods to compare insurance quotes, but some are more efficient than others. You could waste time discussing policy coverages with insurance agencies in your area, or you could use the internet to get rates in a matter of minutes.

Many popular insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and every company returns a rated price. This system prevents you from having to do quotation requests to every company.

To compare rates now click to open in new window.

The only downside to doing it this way is you can’t choose the insurers you will receive quotes from. If you would rather choose specific providers to receive pricing from, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

Whichever way you use, make sure you use the exact same quote data for every quote you compare. If you use mixed coverages you will not be able to truly determine the lowest rate. Slightly different insurance coverages can result in a big premium difference. And when quoting insurance, remember that obtaining a wide range of quotes will increase your chances of finding the best offered rates.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions can help discover whether your personal situation could use an agent’s help.

  • When should I buy a commercial auto policy?
  • Should I bundle my homeowners policy with my auto?
  • Do I need added coverage for expensive stereo equipment?
  • Is a fancy paint job covered?
  • Is motorclub coverage worth it?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, hail damage and falling objects. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident 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 total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like court costs, pain and suffering, medical services and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

This will pay to fix damage to your Outback caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2010 Subaru Outback.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for chiropractic care, pain medications and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

In any little way, save everyday

You just learned some good ideas how to get a better price on 2010 Subaru Outback insurance. The key concept to understand is the more times you quote, the better likelihood of getting affordable car insurance. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

Insureds who switch companies do it for a number of reasons such as high prices, poor customer service, delays in responding to claim requests or extreme rates for teen drivers. Regardless of your reason, finding a new company can be less work than you think.

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. There are too many instances where someone dropped comprehensive coverage or liability limits only to find out that it was a big error on their part. Your aim should be to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

Additional information