Cheap 2011 Subaru Outback Insurance Rates

Searching for the cheapest insurance for a Subaru Outback could be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the absolute fastest way to price shop coverage on a Subaru and get the best price possible.

Discounts can really help save money

The cost of insuring your cars can be expensive, but companies offer discounts that can dramatically reduce your bill. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be specifically requested before they will apply. If they aren’t giving you every credit you deserve, it’s possible you qualify for a lower rate.

  • Multiple Vehicles – Buying a policy with multiple vehicles with the same company can get a discount on all vehicles.
  • Accident-Free Discounts – Claim-free drivers get the best insurance rates when compared to insureds who have frequent claims or accidents.
  • One Accident Forgiven – Not necessarily a discount, but some insurance companies will forgive one accident without the usual rate increase as long as you don’t have any claims for a certain period of time.
  • Driving Data Discount – Insureds who allow driving data collection to track driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they have good driving habits.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
  • Include Life Insurance and Save – Some companies give lower prices if you buy auto and life insurance together.
  • Early Renewal Discounts – Some companies reward drivers for switching companies prior to your current policy expiring. Ten percent is about the average savings.

One thing to note about discounts is that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. Despite the appearance that you could get a free insurance policy, nobody gets a free ride.

A list of insurance companies and some of the premium reductions they offer are outlined below.

  • State Farm has discounts for passive restraint, anti-theft, multiple policy, safe vehicle, and defensive driving training.
  • Farmers Insurance policyholders can earn discounts including electronic funds transfer, business and professional, good student, early shopping, and teen driver.
  • Geico offers discounts including defensive driver, five-year accident-free, multi-vehicle, anti-lock brakes, and good student.
  • American Family offers discounts for defensive driver, good student, TimeAway discount, air bags, mySafetyValet, bundled insurance, and multi-vehicle.
  • Nationwide has savings for accident-free, good student, family plan, defensive driving, multi-policy, and easy pay.
  • Progressive includes discounts for continuous coverage, online quote discount, online signing, multi-vehicle, and good student.

When quoting, ask each company which discounts you qualify for. Some credits may not be offered in your area. If you would like to view insurance companies that offer some of these discounts, click here to view.

Ways to get car insurance quotes

Getting a cheaper price on 2011 Subaru Outback insurance is surprisingly easy. All that’s required is to invest a little time to compare free insurance coverage quotes from some recommended companies. This can be accomplished in just a few minutes using one of these methods.

The most recommended method to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for separate quotes for every car insurance company. A single form gets insurance cost estimates from multiple companies. Just one form and you’re done.

A less efficient way to analyze rates is spending the time to visit the website for each individual company and complete a new quote form. For instance, we’ll assume you want to view quotes from Progressive, Farmers and GMAC. In order to compare rates, you need to take the time to go to each site and enter your information, which can be really labor intensive.

To view a list of companies in your area, click here.

The most time-consuming method to compare price estimates is going to and from local insurance agencies. The ability to get quotes online has reduced the need for local agents unless you require the extra assistance that only an agent can give. Although, it is possible price shop your coverage online but buy from a local insurance agent.

Take whichever approach you prefer, but make darn sure you compare exactly the same information for each price quote. If the quotes have mixed coverages it’s not possible to find the best deal for your Subaru Outback.

Subaru Outback insurance prices can be lower

Smart consumers have a good feel for a few of the rating criteria that play a part in calculating your premiums. When consumers understand what influences your rates, this enables you to make decisions that can earn you lower rates. Many factors are used when quoting car insurance. Most are fairly basic such as your driving history, although some other factors are not quite as obvious such as your marital status or your commute time.

  • Costs impacted by vehicle usage – The higher the miles on your Subaru every year the more you’ll pay to insure your vehicle. The majority of insurers calculate prices based on how the vehicle is used. Cars and trucks not used for work or commuting can be on a lower rate level compared to those used for work or business. Double check that your auto insurance declarations sheet shows the correct usage, because it can save money. A policy that improperly rates your Outback can cost quite a bit.
  • Having a spouse brings a discount – Your spouse may cut your premiums on auto insurance. Having a spouse usually means you are more financially stable and it’s proven that married drivers get in fewer accidents.
  • Only buy extra coverages you need – Insurance policies have a lot of extra add-on coverages you can purchase but may not be useful. Things like personal injury protection, towing coverage, and term life insurance are some examples. They may seem good at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • Your credit rating is important – Credit score can be an important factor in your rate calculation. Consumers who have excellent credit scores tend to be better risks to insure than those with lower credit scores. If your credit history can be improved, you could pay less to insure your 2011 Subaru Outback by improving your rating.
  • Low comp and collision deductibles can be expensive – Your deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered would be a windshield broken by a bird, damage caused by hail, and damage from wind. The more damage repair cost you are required to pay out-of-pocket, the less your auto insurance will be for Outback coverage.
  • Obey driving laws and save – Attentive drivers get better rates compared to bad drivers. Only having one speeding ticket or other violation may cause rates to rise forty percent or more. Drivers who have received multiple violations such as DUI or reckless driving may find they need to prove financial responsibility with the DMV in their state in order to keep their license.

Will just any policy work for me?

When it comes to buying the best car insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if you might need professional guidance.

  • What can I do if my company won’t pay a claim?
  • Can I afford low physical damage deductibles?
  • Do I have coverage for damage caused while driving under the influence?
  • Why am I required to buy high-risk coverage?
  • How does medical payments coverage work?
  • Is motorclub coverage worth it?
  • How do I file an SR-22 for a DUI in my state?
  • Why is insurance for a teen driver so high?
  • Does my policy cover my teen driver if they drive my company car?
  • How much liability insurance is required?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Having a good grasp of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as ambulance fees, rehabilitation expenses, prosthetic devices, X-ray expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and 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 should not be overlooked.

Collision protection

Collision coverage covers damage to your Outback from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, 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.

Liability car insurance

This protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

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 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like loss of income, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, hitting a bird, damage from getting keyed and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

The bottom line

Affordable 2011 Subaru Outback insurance is possible from both online companies and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not have the ability to get quotes online and these small insurance companies only sell coverage through independent agents.

When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured dropped physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

People who switch companies do it for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, lack of trust in their agent and policy cancellation. Whatever your reason, finding the right auto insurance provider can be easy and end up saving you some money.

Additional detailed information can be read in these articles: