Compare 2007 Subaru Outback Insurance Rates

Drivers have options when trying to find the best price on Subaru Outback insurance. They can either spend hours contacting agents to compare prices or leverage the internet to get rate quotes. There are more efficient ways to compare auto insurance rates and you need to know the quickest way to compare rates for a Subaru and get the lowest price from both online companies and local agents.

Save money by getting discounts

Insurance can be pricey, but there may be some discounts that can drop the cost substantially. Some discounts will apply when you complete an application, but some must be specifically requested prior to receiving the credit. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.

  • Theft Prevention Discount – Cars with anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may get savings of 25 to 30%.
  • No Claims – Drivers who stay claim-free can earn big discounts when compared to frequent claim filers.
  • Good Student Discount – Excelling in school can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Driver Safety – Participating in a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Homeowners Pay Less – Owning your own home or condo may trigger a policy discount on insurance due to the fact that maintaining a home demonstrates responsibility.
  • Renewal Discounts – Some insurance companies give discounts for switching companies early. Ten percent is about the average savings.
  • Sign Online – A handful of insurance companies will give you a small discount for signing up on their website.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.

To locate insurance companies who offer insurance discounts, click here.

How to compare free car insurance rate quotes

Finding a better price on car insurance is a fairly straight forward process. Consumers just need to spend a little time comparing rate quotes to discover which company has cheap insurance coverage quotes. Shoppers can get rates using a couple different methods.

  • The first (and easiest) way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This quick form keeps you from doing separate quotation requests for every car insurance company. One form compares rates instantly. This is perfect if you don’t have a lot of time.
  • A more difficult way to analyze rates requires a trip to the website of each company and get a separate price quote. For instance, we’ll pretend you want to get rates from Allstate, 21st Century and State Farm. You would have to spend time on each company’s site and enter your policy data, which is why first method is reommended.

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

Compare rates however you want, just be certain you are entering apples-to-apples deductibles and coverage limits for each price quote. If each company quotes unequal deductibles or liability limits you can’t possibly truly determine the lowest rate.

Learn how to buy car insurance cheaper

Part of the car insurance buying process is learning the factors that go into determining your car insurance rates. If you understand what influences your rates, this allows you to make good choices that can help you get lower rates. Lots of things are part of the equation when you get your auto insurance bill. Some are pretty understandable such as your driving record, but some are not quite as obvious like your vehicle usage or your vehicle rating.

  • Better premiums for continuous coverage – Driving without insurance coverage in place is a misdemeanor and your next policy will cost more because you let your insurance lapse. Not only will you pay higher rates, failure to provide proof of insurance can result in fines and jail time.
  • Amount of liability coverage – The liability section of your policy will afford coverage if a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Cheaper rates after marriage – Having a wife or husband actually saves money on your car insurance bill. Marriage usually means you are more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Prevent your car from being stolen – Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.
  • Certain jobs pay higher prices – Occupations like lawyers, executives and emergency personnel usually pay higher average rates in part from job stress and long work hours. On the flip side, jobs such as professors, engineers and the unemployed get better rates on Outback insurance.
  • Improve your credit history – Having a good credit rating is a large factor in determining premium rates. Insureds that have high credit ratings tend to be less risk to insure than drivers who have lower credit scores. If your credit is lower than you’d like, you may save money insuring your 2007 Subaru Outback by improving your rating.
  • Do safer cars cost less to insure? – Vehicles that have high safety ratings tend to be cheaper to insure. Safer cars reduce injuries and better occupant protection means less money paid by your insurance company which can mean better rates for you. If your Subaru has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Your insurance coverage should be tailored to you

When it comes to buying coverage, there really is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Are my friends covered when driving my car?
  • Do I need rental car coverage?
  • Are rental cars covered under my policy?
  • Where can I find high-risk insurance?
  • Is my dog or cat covered if injured in an accident?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I rate my 2007 Subaru Outback as pleasure use or commute?
  • Is my ex-spouse still covered by my policy?
  • Why am I required to buy high-risk coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Be skeptical of car insurance ads

Drivers can’t get away from all the ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the ads have a common claim about saving some big amount if you switch your policy.

How does every company offer drivers better rates? Here is how they do it.

Different companies quote their cheapest rates for the type of customer that earns them the most money. One example of a desirable risk could be over the age of 40, has no tickets, and drives a lower-performance vehicle. Any driver who matches those parameters is entitled to the best price and have a good chance to save when switching.

Potential insureds who fall outside the “perfect” profile may receive more expensive rates and ends up with the customer not purchasing. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save the amount stated. That’s why companies can claim big savings. Different companies use different criteria so you absolutely need to get insurance coverage quotes from several different companies. It’s just not possible to know which insurance companies will have the best rates for your profile.

Insurance policy specifics

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, hitting a bird, falling objects and theft. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision insurance will pay to fix damage to your Outback resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Subaru Outback.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability insurance

Liability insurance provides protection from damage that occurs to a person or their property. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as funeral expenses, attorney fees, structural damage and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses like surgery, chiropractic care, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

And the best car insurance company is…

Insureds change insurance companies for many reasons like denial of a claim, extreme rates for teen drivers, being labeled a high risk driver and delays in paying claims. No matter why you want to switch, choosing a new insurance company can be less work than you think.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at the lowest possible cost and still be able to protect your assets.

Some insurance companies do not provide the ability to get a quote online and most of the time these regional carriers only sell coverage through independent agents. More affordable auto insurance is possible both online as well as from independent agents, so you should compare both to have the best rate selection.

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