How Much Does 2000 Subaru Outback Insurance Cost?

Searching for better car insurance rates for your Subaru Outback? Locating better insurance prices for a new or used Subaru Outback could be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to shop for car insurance so you’re going to learn the proper way to get price quotes for a Subaru and locate the lowest possible price either online or from local insurance agents.

Buying cheaper auto insurance is not that difficult. If you have a current auto insurance policy or are just looking to switch companies, you can use this information to cut your premiums and possibly find even better coverage. Consumers just need to learn the best way to compare company rates online.

How to compare free insurance rate quotes

Performing a rate comparison can take hours if you don’t understand the easiest way. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use online quotes for quick rates.

Many companies participate in a marketplace that allows shoppers to submit one quote, and each company returns a competitive quote determined by their information. This eliminates the need for repetitive form submissions to each individual insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is you don’t know exactly which insurance companies to receive prices from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of insurance companies in your area. View list of insurance companies.

Whichever method you choose, do your best to enter exactly the same coverages for each quote you get. If you use different coverage information it will be impossible to determine the best price for your Subaru Outback.

Cheaper car insurance rates with discounts

Companies offering auto insurance don’t list every policy discount in an easy-to-find place, so we researched some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

  • Payment Method – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
  • Accident Free – Drivers who don’t have accidents can save substantially as opposed to insureds who have frequent claims or accidents.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • Professional Organizations – Affiliation with qualifying employment or professional organizations could trigger savings on car insurance.
  • Defensive Driver Discounts – Successfully completing a course in defensive driver can save you 5% or more if you qualify.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for lower premium rates for Outback insurance.
  • Save with More Vehicles Insured – Purchasing coverage when you have several vehicles on the same car insurance policy may reduce the rate for each vehicle.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To locate car insurance companies that offer multiple discounts, click here.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Is my state a no-fault state?
  • How much liability coverage do I need in my state?
  • Is a fancy paint job covered?
  • Can I rent a car in Mexico?
  • I have health insurance so do I need medical payments coverage?
  • Should I waive the damage coverage when renting a car?
  • Is my babysitter covered when using my vehicle?
  • Is my teenager covered with friends in the car?
  • Are rock chip repairs covered?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage breakdown

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, a tree branch falling on your vehicle and rock chips in glass. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as structural damage, pain and suffering and attorney fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills like prosthetic devices, chiropractic care and pain medications. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This covers damage to your Outback resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comments About 2000 Subaru Outback Insurance

  1. Fausto Foley

    Thanks for putting this site together. From Charlotte, NC. Received prices from USAA, American Family, Hanover, and MetLife for my Outback and saved $81 a year.

  2. Shelby Mercado

    Will GEICO cancel me if I have an accident?

  3. Lenard Mccarty

    If you have a clean record and are close to Little Rock, AR, check out State Farm. You might save some money. I used their online quote form to compare rates.

  4. Corey Ware

    Does State Farm use ACV or replacement cost?

  5. Neda Fernandez

    Got a quote with Progressive for my 2000 Subaru Outback and am saving around $70 a year. I have a teen driver too.

  6. May Harmon

    Cheap is relative. Quoted with Farmers for my Subaru and am saving around $80 a year. They were helpful in switching over. Full coverage costs too much.

  7. Signe Edwards

    Just a quick comment on my experience. I’m from Salt Lake City, Utah. Received quotes from Progressive, Hartford, and Esurance for my Outback and saved just over $100 a year. Left Allstate to switch. :)

  8. Almeta Wolfe

    If you have a clean record and are close to Kansas City, MO, check out Progressive. I saved quite a bit. God forbid I actually have a claim.

  9. Joye Hendricks

    I live in Owensboro, KY. Got free quotes online for a 2000 Subaru Outback. Ended up at about $70 savings annually. Went with Allstate. I’m a pretty good driver though. Just liability coverage since it’s getting old.

  10. Cristina Ayala

    Like your site, BTW. I live on the south side of Bangor, ME. Quoted with Allstate, Erie, and The General for my Subaru and saved $79 a year. Not worth enough to pay for comprehensive and collision.

  11. Donny Gardner

    Does Maryland have minimum liability laws?

  12. Delana Snyder

    I’ve insured with 21st Century for a long time. Pretty cheap in Nashville, TN.

  13. Jordon Cook

    Nice post. Went with Encompass for my Outback and saved about $100 a year. Was with Amica. Good multi-policy discounts. Full coverage costs too much.

  14. Ima Kirby

    Any companies in Wilmington, DE that will insure a DUI?

  15. Cinda Ward

    I drive uninsured.

  16. Garnett Sosa

    I compared a lot of rate quotes for a 2000 Subaru Outback in Rapid City, SD. Ended up at roughly $120 every six months with AAA. I even had a DUI years ago. :) My Outback doesn’t have full coverage.

  17. Rebekah Cobb

    How are claims handled by Progressive around Bellevue, NE?

  18. Bessie Richmond

    I got decent rates for a 2000 Subaru Outback in Portland, ME. Ended up at darn near $110 every six months with Amica. I dropped full coverage awhile back.