2013 Subaru Outback Insurance Cost

Searching for better auto insurance rates for your Subaru Outback? Scraping up a payment for overpriced Subaru Outback insurance can sap your family’s budget and put the squeeze on your family’s finances. Lots of auto insurance companies contend for your business, and because of this it can be hard to compare insurers to find the best rates possible.

It’s a great practice to shop coverage around before your policy renews because prices are usually higher with each renewal. Just because you found the best quotes for Outback insurance a year ago there may be better deals available now. Ignore everything you know about auto insurance because we’re going to show you the things you must know in order to save money, get proper coverage and the best rates.

If you have a policy now or are looking for a new policy, you can learn to reduce the price you pay while maintaining coverages. Finding affordable coverage is not rocket science. Drivers just need to know the proper way to compare rates online.

Finding car insurance

Reducing your 2013 Subaru Outback insurance rates is a great way to save money. Drivers just need to spend a little time to compare free car insurance quotes from some recommended companies. Insurance prices can be quoted using one of these methods.

  1. The most recommended method to get the best comparison quotes is a comparison rater form (click to open form in new window). This method saves time by eliminating repetitive form submissions for every prospective company. In just a few minutes this one form will return quotes instantly.
  2. A more difficult way to analyze rates is spending the time to visit each individual company website and request a quote. For sake of this example, we’ll pretend you want to view quotes from Auto-Owners, Safeco and State Farm. To find out each rate you need to go to every website to input your insurance information, which explains why we recommend starting with the first method.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make sure you are using the same quote data on every quote you get. If you enter different values for each quote you will not be able to determine the best price for your Subaru Outback.

Find cheap car insurance with these tips

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that help calculate your premiums. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that can earn you lower car insurance prices. Multiple criteria are part of the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other criteria are less obvious such as your credit history or your vehicle rating.

Listed below are most of the major factors utilized by car insurance companies to help set prices.

  • Annual miles is a factor – The higher the miles on your Subaru in a year the more it will cost to insure it. Most insurance companies price each vehicle’s coverage based upon how much you drive. Cars and trucks not used for work or commuting receive better premium rates than vehicles that have high annual mileage. It’s always a good idea to double check that your declarations sheet shows how each vehicle is driven. Having the wrong rating on your Outback may be costing you.
  • Do you really need the add-on coverages? – There are quite a few additional extra coverages that can waste your money when buying car insurance. Add-on coverages like rental car coverage, better glass coverage, and Farm Bureau memberships are probably not needed. They may seem good when talking to your agent, but now you might not need them so think about removing them and cutting costs.
  • Decrease car insurance rates by maintaining coverage – Having a lapse in insurance coverage is a fast way to pay more for car insurance. Not only will rates go up, the inability to provide proof of insurance could earn you a license revocation or jail time. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Cheaper rates with high coverage deductibles – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some coverage claims could be collision with another vehicle, damage caused by hail, and rolling your vehicle. The deductibles you choose define how much you are willing to pay before your car insurance pays a claim. The more money you’re willing to pay, the less your car insurance will be for Outback insurance.
  • With age comes lower costs – More experienced drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.Beginning drivers tend to be less responsible when driving so car insurance rates are higher.
  • Consolidate policies to earn discounts – Most car insurance companies give lower prices to people who buy several policies from them such as combining an auto and homeowners policy. Even if you qualify for this discount already, you may still want to check prices from other companies to guarantee you are still saving the most. Drivers may still find a better deal by insuring with multiple companies.
  • Your liability insurance limits – Liability coverage is the protection if ever you are ruled to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should carry high limits.
  • Reserve policy claims for larger damages – If you are a frequent claim filer, you should expect either higher rates or even cancellation. Car insurance companies give the best rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for larger claims.

Find hidden discounts on insurance

Some companies don’t list their entire list of discounts in an easy-to-find place, so below is a list some of the more common as well as some of the hidden discounts that you can inquire about if you buy car insurance online.

  • Use Seat Belts – Forcing all vehicle occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction for Outback insurance with some insurance companies.
  • Senior Citizen Discount – Drivers over the age of 55 may be able to get lower premium rates for Outback insurance.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control have fewer accidents and qualify for as much as a 10% discount.
  • No Claim Discounts – Drivers who don’t have accidents pay less when compared to accident-prone drivers.

While discounts sound great, it’s important to understand that some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Companies and a summarized list of policyholder discounts are detailed below.

  • State Farm includes discounts for anti-theft, safe vehicle, accident-free, defensive driving training, good student, driver’s education, and Steer Clear safe driver discount.
  • Liberty Mutual offers premium reductions for new vehicle discount, newly married, multi-policy, preferred payment discount, new move discount, new graduate, and safety features.
  • American Family may include discounts for Steer into Savings, multi-vehicle, good driver, mySafetyValet, and defensive driver.
  • Progressive discounts include multi-vehicle, multi-policy, continuous coverage, online quote discount, and homeowner.
  • Farmers Insurance may have discounts that include mature driver, electronic funds transfer, business and professional, bundle discounts, and teen driver.
  • Auto-Owners Insurance offers discounts for anti-lock brakes, anti-theft, safe vehicle, mature driver, paid in full, and air bags.
  • SAFECO has discounts for homeowner, multi-car, teen safety rewards, safe driver, and bundle discounts.

If you need cheaper car insurance quotes, ask each company or agent which discounts they offer. Some discounts may not apply to policyholders in your state.

Tailor your insurance coverage to you

When buying coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

  • What is high-risk coverage and where do I buy it?
  • When can I cancel my policy?
  • Do I benefit by insuring my home with the same company?
  • When would I need rental car insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I drive in Mexico and have coverage?
  • Is my ex-spouse still covered by my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can my babysitter drive my car?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverages for a Subaru Outback

Having a good grasp of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like loss of income, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for rehabilitation expenses, surgery, funeral costs and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Coverage for collisions

This coverage will pay to fix damage to your Outback resulting from a collision 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 can pay for things such as hitting a mailbox, driving through your garage door 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 bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, damage from flooding, damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Be Smart and Buy Smart

You just read quite a bit of information on how to compare 2013 Subaru Outback insurance premium rates online. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Drivers may discover the lowest premium rates are with some of the lesser-known companies. They often have lower prices on specific markets as compared to the big name companies such as GEICO and State Farm.

Cheaper insurance coverage is attainable online and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer rates over the internet and most of the time these small, regional companies only sell coverage through independent insurance agents.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at an affordable rate and still be able to protect your assets.

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