Lower Your 2014 Subaru Outback Insurance Quotes

Feel like you’re a prisoner to overpriced auto insurance? Believe me, you’re not alone.

Companies like Progressive, State Farm and GEICO continually hit you with advertising and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

You should make it a habit to get comparison quotes every six months due to the fact that insurance prices change quite often. Even if you got the lowest rates on Outback coverage at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to show you the quickest way to find lower rates on auto insurance.

Why your insurance costs might be higher

Part of the car insurance buying process is learning the factors that play a part in calculating the price you pay for car insurance. If you have a feel for what determines premiums, this allows you to make educated decisions that could result in lower car insurance prices.

The itemized list below are just a few of the factors utilized by car insurance companies to help set your rates.

  • Bundle policies and save – Most major insurance companies give lower prices to customers who consolidate policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, you may still want to comparison shop to ensure the best deal.
  • Cheaper prices with safer cars – Vehicles that have high safety ratings tend to have better insurance rates. The safest vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company and lower rates for you.
  • Job impacts rates – Did you know that where you work can have an impact on rates? Occupations like military generals, social workers and financial analysts are shown to have higher premium rates because of high stress and lots of time spent at work. Conversely, jobs like farmers, engineers and the unemployed get better rates on Outback coverage.
  • Premiums impacted by your city – Having an address in less populated areas has definite advantages if you are looking for the lowest rates. Drivers who live in large cities tend to have congested traffic and longer commute times. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
  • Physical damage deductibles – Physical damage deductibles represent how much money you are required to spend out-of-pocket if a covered claim is submitted. Protection for physical damage, aka comp and collision, protects your car from damage. A few examples of covered claims would be colliding with a stationary object, animal collisions, and having a roll-over accident. The larger the amount you have to pay, the bigger discount you will receive on Outback coverage.
  • Women tend to be lower risk – Over time, data shows women tend to be less risk to insure than men. The data does not necessarily mean that men are WORSE drivers than women. Women and men tend to get into at-fault accidents at about the same rate, but guys have costlier accidents. Men also tend to get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Prevent car insurance policy lapses – Having an insurance coverage lapse will be a quick way to bump up your car insurance costs. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a revoked license or a big fine.
  • Get cheaper rates if you’re married – Getting married actually saves money on your car insurance policy. Marriage demonstrates that you tend to be less irresponsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Free insurance quotes

All the larger insurance companies such as Allstate, GEICO and Progressive give price estimates from their websites. Getting prices online doesn’t take much effort because you just enter the coverages you want into a form. When the form is submitted, their system automatically retrieves your credit score and driving record and returns a price based on the data you entered. Online quotes makes comparing rates easy, but the work required to visit many different websites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to find a lower rate.

Compare rates the easy way

The quickest way to compare insurance pricing makes use of a single form to return rates from many companies. It saves time, requires much less work on your part, and makes rate comparisons a lot less work. After your information is entered, it gets priced with multiple companies and you can pick your choice of the resulting price quotes. If you find a better price it’s easy to complete the application and buy the policy. This process takes 15 minutes at the most and can result in significant savings.

To find out how much you can save on insurance, click here and input your coverage information. If you have coverage now, it’s recommended you copy the insurance coverages as close as possible to your current policy. Doing this guarantees you will receive an apples-to-apples comparison for exact coverage.

These discounts can slash insurance coverage rates

Car insurance is not cheap, but you may find discounts that could drop your premiums quite a bit. Most are applied at quote time, but some may not be applied and must be requested specifically prior to receiving the credit.

  • ABS Brakes – Cars and trucks equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
  • Military Rewards – Being deployed with a military unit could qualify you for better prices.
  • Sign Early and Save – Some larger companies reward drivers for switching to them before your current policy expires. This discount can save up to 10%.
  • No Claim Discounts – Drivers who don’t have accidents pay much less when compared to insureds who have frequent claims or accidents.
  • Onboard Data Collection – Drivers who elect to allow driving data collection to spy on when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they exhibit good driving behavior.
  • Government Employee Discount – Active or former government employment could qualify for a slight premium decrease on Outback coverage with certain companies.
  • Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can qualify for discounts up to 30%.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Despite the appearance that you can get free auto insurance, you aren’t that lucky. But all discounts will cut the amount you have to pay.

Popular insurance coverage companies and their offered discounts are:

  • State Farm has discounts for Drive Safe & Save, driver’s education, multiple autos, safe vehicle, passive restraint, and accident-free.
  • GEICO may include discounts for good student, emergency military deployment, membership and employees, multi-vehicle, military active duty, and defensive driver.
  • Liberty Mutual may offer discounts for newly married, hybrid vehicle, good student, new vehicle discount, new graduate, preferred payment discount, and multi-policy.
  • The Hartford may have discounts that include defensive driver, anti-theft, air bag, good student, and driver training.
  • MetLife discounts include good driver, good student, multi-policy, accident-free, defensive driver, and claim-free.
  • Progressive includes discounts for homeowner, online quote discount, continuous coverage, good student, online signing, multi-policy, and multi-vehicle.

If you need cheap car insurance quotes, ask every insurance company to give you their best rates. Discounts might not be offered in your area. For a list of insurers that can offer you the previously mentioned discounts, click here.

When do I need an agent’s advice?

When it comes to choosing coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different so your insurance needs to address that. For example, these questions might help in determining if your insurance needs will benefit from professional help.

  • What vehicles should carry emergency assistance coverage?
  • Does coverage extend to my business vehicle?
  • What is the ISO rating for a 2014 Subaru Outback?
  • What should my uninsured motorist coverage limits be in my state?
  • How do I file an SR-22 for a DUI in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Information about specific coverages

Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from car insurance companies.

Liability insurance

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like loss of income, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision insurance

This coverage pays for damage to your Outback caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a building, damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, surgery and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Buy online or local, you save

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice physical damage coverage only to find out they didn’t have enough coverage. The aim is to purchase plenty of coverage at the best possible price, but do not skimp to save money.

You just learned some good ideas how to compare 2014 Subaru Outback insurance car insurance rates online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding cheaper car insurance. Drivers may discover the lowest car insurance rates come from some of the lesser-known companies. These companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

Additional information can be found on the following sites: