2008 Subaru Tribeca Insurance Cost – 7 Tips for Best Prices

Searching for better car insurance rates for your Subaru Tribeca? Locating better insurance prices for a new or used Subaru Tribeca can be difficult, but you can use the following methods to save time.

There is a better way to shop for car insurance so you’re going to learn the best way to get price quotes on a Subaru and locate the cheapest rates from local insurance agents and online providers.

Locating the best insurance coverage coverage is simple if you know the tricks. If you have a current insurance coverage policy or are looking for a new policy, you will benefit by learning to find the best rates and still get good coverage. Drivers just need to understand the proper way to compare company rates online.

The quickest method we recommend to compare car insurance rates is to realize all the major auto insurance companies actually pay money for the chance to give you rate quotes. The only thing you need to do is provide the companies a bit of rating information such as whether you are single or married, if you went to college, types of safety features, and the type of vehicles you drive. Your information gets sent immediately to multiple auto insurance providers and you will get price comparisons almost instantly.

Lower rate quotes by taking advantage of these seven discounts

Insurance is neither fun to buy or cheap, but you might already qualify for some discounts that could help you make your next renewal payment. A few discounts will be applied when you get a quote, but occassionally some discounts must be specifically requested before you will receive the discount.

  • Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class in school or through a local driver safety program.
  • Defensive Driver Discount – Successfully completing a course in safe driver could save 5% or more and make you a better driver.
  • Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% on Tribeca insurance with some insurance companies.
  • Accident Forgiveness Coverage – Not a discount per se, but certain companies allow you one accident without raising rates if you have no claims prior to the accident.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • College Student Discount – Children who live away from home to go to college and do not have a car can receive lower rates.
  • Seat Belt Discounts – Requiring all passengers to buckle up may be able to save a few bucks off PIP or medical payments premium.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, companies don’t profit that way.

Popular insurance companies and some of the discounts are detailed below.

  • State Farm offers discounts for defensive driving training, student away at school, multiple autos, safe vehicle, Steer Clear safe driver discount, good driver, and good student.
  • Nationwide may offer discounts for defensive driving, good student, Farm Bureau membership, family plan, business or organization, and multi-policy.
  • GEICO offers premium reductions for good student, multi-policy, emergency military deployment, military active duty, anti-lock brakes, and daytime running lights.
  • AAA has savings for multi-policy, pay-in-full, multi-car, AAA membership discount, and anti-theft.
  • 21st Century policyholders can earn discounts including good student, early bird, air bags, anti-lock brakes, teen driver, and homeowners.
  • The Hartford discounts include defensive driver, air bag, driver training, anti-theft, and good student.

When getting a coverage quote, ask every prospective company to give you their best rates. A few discounts may not apply to policyholders in your area. To see a list of insurance companies who offer free insurance quotes, follow this link.

How much insurance do I need?

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can help discover if your insurance needs might need professional guidance.

  • Am I covered if I wreck a rental car?
  • What can I do if my company won’t pay a claim?
  • Am I insured when driving a different vehicle?
  • How much liability insurance is required?
  • What exactly is covered by my policy?
  • Do all my vehicles need collision coverage?
  • Which is better, split liability limits or combined limits?
  • Do I need more liability coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Does car insurance advertising bend the truth?

Consumers can’t avoid all the ads that promise big savings for switching by companies like Progressive, GEICO, Allstate and State Farm. They all try to convey promises about savings after switching your policy.

It sounds good, but how can they all charge you a lower premium? This is the way they can do it.

Companies have a certain “appetite” for the type of insured that will most likely be profitable. One example of this type of driver might be described as a married male, has no driving citations, and has excellent credit. Anyone who fits those characteristics will probably get the lowest auto insurance rates and have a good chance to save some money.

Drivers who don’t meet this ideal profile will be charged higher premium rates and this results in the customer buying from a different company. If you listen to the ad wording, they say “customers who switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can claim big savings.

Different companies use different criteria so you really should compare many company’s rates. It’s just not possible to know which car insurance company will have better prices than you’re paying now.

The coverage is in the details

Having a good grasp of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Subaru Tribeca.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, rock chips in glass and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

This protects you from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like medical services, pain and suffering, court costs, loss of income and emergency aid. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Collision coverage

Collision insurance pays for damage to your Tribeca resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage pay for bills for things like hospital visits, surgery, pain medications, ambulance fees and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as 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

In Summary

Consumers who switch companies do it for any number of reasons including delays in paying claims, high prices, being labeled a high risk driver and policy non-renewal. Whatever your reason, finding a great new company is not as difficult as it may seem.

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where someone sacrificed liability coverage limits and learned later that the savings was not a smart move. Your aim should be to find the BEST coverage for the lowest price and still be able to protect your assets.

We just showed you many ideas to compare 2008 Subaru Tribeca insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. Consumers may even find the best car insurance rates are with some of the lesser-known companies.

More detailed insurance information is available in the articles below: