2001 Subaru Outback Insurance Quotes

Confused by the crazy number of auto insurance choices that you can choose from? You’re not alone. vehicle owners have such a vast assortment of choices available that it can really be a real challenge to compare auto insurance rates.

Smart consumers take time to compare prices once or twice a year since insurance prices tend to go up over time. Just because you found the best deal for Outback insurance a year ago the chances are good that you can find a lower premium rate today. There is a lot of bad advice regarding auto insurance on the web, but in this article, you’re going to get some great ideas on how to find cheap auto insurance.

The quickest method to compare rate quotes is to know most of the larger companies participate in a system to provide you with free rate quotes. The only thing you need to do is provide information including whether or not you need a SR-22, marital status, if you went to college, and if the vehicle is leased. Your rating data is instantly sent to multiple different insurance companies and you will receive price estimates with very little delay.

Different people need different insurance coverages

When choosing coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I put collision coverage on all my vehicles?
  • How do I buy GAP insurance?
  • How can I force my company to pay a claim?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Car insurance 101

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, theft, damage from a tornado or hurricane and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This can cover damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, loss of income, pain and suffering, funeral expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your Outback resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, hitting a parking meter, crashing into a ditch and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills such as surgery, chiropractic care, dental work, rehabilitation expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.