2012 Subaru Outback Insurance Quotes – 6 Tips for Cheapest Rates

Pretty sure you bought an overpriced car insurance policy? It’s a common feeling and there are lots of residents who feel the same.

Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest cost out there.

The quickest way to compare policy rates is to know the fact most insurance companies actually pay money for the chance to give free rates quotes. All consumers are required to do is provide details such as if you’re married, driver ages, what you do for a living, and your credit rating estimate. The data is submitted instantly to insurance carriers in your area and you will receive price estimates with very little delay.

Everyone needs different insurance coverage coverages

When choosing proper insurance coverage, there really is not a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether you may require specific advice.

  • Is my camper covered by my car insurance policy?
  • When should I remove comp and collision on my 2012 Subaru Outback?
  • Why do I need rental car insurance?
  • Are my friends covered when driving my car?
  • Am I better off with higher deductibles on my 2012 Subaru Outback?
  • Can my babysitter drive my car?
  • What discounts do I qualify for?

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 an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

What car insurance coverages do you need?

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird, a tree branch falling on your vehicle, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills like nursing services, surgery, rehabilitation expenses, hospital visits and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability car insurance

This will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, 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. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as repair costs for stationary objects, emergency aid, legal defense fees, bail bonds and medical services. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Subaru Outback.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Collision coverage

Collision coverage covers damage to your Outback resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, hitting a mailbox, sustaining damage from a pot hole, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.