2012 Subaru Outback Insurance Quotes – 8 Tips for Cheaper Rates

Have you finally had enough of robbing Peter to pay Paul to pay auto insurance each month? You are no different than many other consumers.

Popular companies such as Geico, 21st Century and Progressive persitently shower you with fancy advertisements and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

If you are paying for car insurance now, you will most likely be able to save some money using this strategy. Buying car insurance is not that difficult. Although car owners should learn the way companies compete online and use this information to your advantage.

Shop insurance coverage online

Many insurance companies allow you to get prices for coverage directly from their websites. This process can be done by anyone as you just type in the coverage amounts you desire as detailed in the form. When complete, the company’s rating system pulls your driving and credit reports and gives you a price quote based on the data you entered. This makes comparing rates easy, but the process of having to visit many different websites and type in the same information can get tiresome after awhile. But it’s very important to get many rate quotes in order to get the best price on insurance coverage.

A better way to find lower prices uses one simple form to return rates from multiple companies. It saves time, requires less work, and makes price shopping online a lot less work. Once the form is submitted, it is rated and you can select any or none of the pricing results. If you find a better price you can click and sign and buy the policy. The whole process takes 15 minutes at the most and may result in a nice savings.

To quickly compare pricing, click here and submit your coverage information. If you currently have coverage, we recommend you duplicate coverages and limits just like they are on your policy. This way, you will receive rate comparison quotes for the exact same coverage.

Take these eight policy discounts and save

Some companies do not advertise every policy discount in a way that’s easy to find, so the below list has some of the best known and also the more inconspicuous discounts that may be available.

• Distant Student Discount – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
• Active Service Discounts – Being deployed with a military unit can result in better premium rates.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote on Outback coverage as compared to drivers with claims.
• Sign Online – A handful of larger companies will discount your bill up to fifty bucks for buying your policy on the internet.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
• Clubs and Organizations – Belonging to a civic or occupational organization can get you a small discount on your bill.
• Multi-car Discount – Buying insurance for multiple cars with the same company can get a discount for every vehicle.

Please keep in mind that many deductions do not apply to the entire policy premium. Most cut individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, company stockholders wouldn’t be very happy.

A few popular companies and some of their more popular discounts are shown below.

• Geico includes discounts for air bags, military active duty, five-year accident-free, anti-lock brakes, and good student.
• USAA offers premium reductions for vehicle storage, safe driver, defensive driver, multi-policy, and new vehicle.
• Progressive offers discounts for good student, continuous coverage, homeowner, online quote discount, and multi-vehicle.
• American Family may have discounts that include TimeAway discount, bundled insurance, early bird, Steer into Savings, and defensive driver.
• Esurance has discounts for Pac-12 alumni, online quote, online shopper, good driver, and renters.
• Farmers Insurance has savings for bundle discounts, distant student, alternative fuel, electronic funds transfer, mature driver, homeowner, and business and professional.
• State Farm may offer discounts for driver’s education, multiple policy, defensive driving training, accident-free, good driver, and good student.

Before purchasing a policy, check with all companies you are considering how you can save money. A few discounts might not be offered on policies everywhere. To find insurance companies with discount rates, click here to view.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if you would benefit from professional advice.

• Does my medical payments coverage pay my health insurance deductible?
• Is extra glass coverage worth it?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How do I buy GAP insurance?
• Is my 2012 Subaru Outback covered for flood damage?
• Is there coverage for injuries to my pets?
• How can I get my company to pay me more for my totalled car?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

What insurance coverages do you need?

Having a good grasp of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2012 Subaru Outback.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, loss of income and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, damage from flooding and rock chips in glass. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses like surgery, dental work and doctor visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage protection

This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.