Save on 2013 Subaru Outback Car Insurance Cost

Trying to find lower car insurance rates for your Subaru Outback? Did you come to the realization that you have an underperforming, overpriced car insurance policy? Say no more because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Companies like Progressive, State Farm and Geico continually bombard you with catchy ads and it is challenging if not impossible to ignore the flashy ads and find the best price available.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Buying car insurance is quite easy. Nevertheless, drivers do need to know how big insurance companies sell online and use this information to your advantage.

The method we recommend to compare car insurance company rates is to know the trick most larger insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is give the companies some data such as how your vehicles are used, whether your vehicle is owned or leased, if it has an anti-theft system, and if you are currently licensed. Those rating factors is sent automatically to many different companies and you will get price comparisons within a short period of time.

Smaller companies may have the best rates

Respected companies like Geico, State Farm and Progressive endlessly run ads in print and on television. They all seem to advertise claims about savings if you switch your coverage. It sounds good, but how can they all give you a better price? This is the trick they use.

All the different companies have strict underwriting profiles for the right customer that will add to their bottom line. One example of this type of driver might be described as a married male, has never had a claim, and insures a new vehicle. Any new insured who meets those qualifications receive the lowest rate quotes and therefore will save a lot of money.

Potential customers who cannot meet these criteria will probably be forced to pay higher premiums and this can result in the customer not buying. If you listen closely, the ads state “customers who switch” not “everyone who quotes” save that kind of money. This is how companies can advertise the way they do. That is why you really should get auto insurance quotes from several different companies. It is impossible to predict which auto insurance company will have the best rates.

Insurance coverage companies offer many discounts

Companies offering auto insurance don’t always advertise all available discounts very clearly, so we researched a few of the more common and the harder-to-find discounts you could be receiving when you buy auto insurance online.

  • Multi-line Discount – Select companies reward you with a lower insurance coverage rate if you buy auto and life insurance together.
  • Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction for Outback insurance depending on your insurance coverage provider.
  • College Student – Kids who are attending college and do not take a car to college may be insured at a cheaper rate.
  • Renewal Discounts – A few insurance companies allow discounts for signing up early. Ten percent is about the average savings.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving can save a little on medical payment and PIP coverage.
  • Own a Home – Being a homeowner can save a few bucks because owning a home demonstrates responsibility.
  • Discounts for Multiple Vehicles – Having all your vehicles with the same company could earn a price break for each car.
  • Multiple Policy Discount – When you combine your homeowners and auto insurance with one insurance company you could save up to 20% and get you cheaper auto insurance.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings as much as 30%.

A little disclaimer on discounts, some credits don’t apply the the whole policy. Most only reduce specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, you’re out of luck.

Companies and some of their more popular discounts include:

  • Progressive may have discounts that include online quote discount, good student, online signing, homeowner, multi-vehicle, continuous coverage, and multi-policy.
  • SAFECO offers discounts for safe driver, drive less, teen safe driver, accident prevention training, and anti-lock brakes.
  • American Family offers discounts including multi-vehicle, defensive driver, early bird, Steer into Savings, mySafetyValet, good driver, and air bags.
  • MetLife discounts include accident-free, good driver, good student, multi-policy, and defensive driver.
  • Geico has discounts for anti-lock brakes, multi-policy, emergency military deployment, federal employee, and five-year accident-free.
  • The Hartford may offer discounts for good student, defensive driver, driver training, vehicle fuel type, air bag, and anti-theft.

Check with each insurance company to give you their best rates. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to choose from a list of insurance coverage companies with significant discounts, click here.

Do I just need basic coverages?

When buying the best auto insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

  • Is a new car covered when I drive it off the dealer lot?
  • Will my rates increase for filing one claim?
  • Does my policy pay for OEM or aftermarket parts?
  • Does insurance cover tools stolen from my truck?
  • Should I waive the damage coverage when renting a car?
  • How high should deductibles be on a 2013 Subaru Outback?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average auto insurance policy.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover 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 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as funeral expenses, bail bonds, court costs and pain and suffering. 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.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, vandalism, rock chips in glass and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for things like funeral costs, rehabilitation expenses, prosthetic devices, nursing services and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Make an honest buck

Low-cost 2013 Subaru Outback insurance is available both online and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer internet price quotes and these smaller companies provide coverage only through local independent agencies.

In this article, we covered a lot of ways to reduce 2013 Subaru Outback insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest prices are with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

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