Compare 2001 Subaru Outback Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Subaru Outback? Comparison shopping for more affordable Driversinsurance coverage might be nearly impossible for drivers who are beginners to online comparison shopping. Drivers have so many options that it can easily become more work than you anticipated to find the lowest price.

It’s important to compare premium rates every six months since prices trend upward over time. If you had the lowest price for Outback insurance six months ago the chances are good that you can find a lower rate today. There is lot of inaccurate information about insurance coverage out there, but we’re going to give you some proven techniques to buy insurance coverage cheaper.

This article will familiarize you with the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. But consumers must know how the larger insurance companies market insurance on the web and apply this information to your search.

How to get free insurance coverage quotes online

To find the best insurance coverage rates, there are several ways of comparing price quotes from all the different companies. By far the easiest way to do a complete rate comparison involves getting comparison quotes online. This can be accomplished in a couple of different ways.

  • The most efficient way to find low rates is an all-inclusive rate comparison click here to open form in new window. This type of form saves time by eliminating repetitive form entry for each company you want a rate for. One form submission gets rate comparisons instantly. It’s definitely the quickest method.
  • A harder way to find lower rates is going to each company website and repeat the quote process again and again. For examples sake, let’s assume you need rates from USAA, GEICO and Progressive. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, and that explains why we recommend the first method. For a list of companies in your area, click here.
  • The least efficient and most time consuming method to get price estimates is going to local insurance agencies. Comparing rate quotes online eliminates the need for an insurance agent unless you’re the type of person who wants the professional assistance that you can only get from talking to an agent. It is possible with some companies get prices online but buy the policy through an agent.

It’s your choice how you get your quotes, but make absolute certain that you use the same coverage data for every company. If you have higher or lower deductibles you will not be able to make an equal comparison. Even a minor difference in coverages could skew the results. Keep in mind that having more price comparisons increases the change that you will find a lower rate than you’re paying now.

Take advantage of every auto insurance discount

Auto insurance is not inexpensive, but you can get discounts to reduce the price significantly. Certain reductions will be credited when you get a quote, but once in a while a discount must be asked about prior to receiving the credit. If you aren’t receiving every discount you qualify for, you could be saving more on your auto insurance.

  • Online Discount – A handful of companies will discount your bill up to fifty bucks for buying a policy and signing up on the web.
  • Low Mileage – Fewer annual miles on your Subaru could qualify for cheaper prices.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Progressive and Allstate permit an accident without raising rates if you have no claims for a set time period.
  • Employee of Federal Government – Federal government employees can earn a discount up to 10% for Outback insurance with a few auto insurance companies.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new model year vehicles.
  • Telematics Data – People who choose to allow data collection to study vehicle usage by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they show good driving skills.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, nobody gets a free ride.

A partial list of companies who may offer these benefits are:

Before purchasing a policy, check with every prospective company which discounts you qualify for. All car insurance discounts might not be available to policyholders in your area. If you would like to choose from a list of auto insurance companies that provide some of the discounts listed above, click this link.

How to know if you need help

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether you might need an agent’s assistance.

  • Does medical payments coverage apply to all occupants?
  • When can I cancel my policy?
  • What is the difference between comprehensive and collision coverage?
  • Why do I need rental car insurance?
  • Who is covered by my policy?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverages

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Subaru Outback.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto insurance – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for bills like surgery, EMT expenses and ambulance fees. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Liability coverage – Liability insurance can cover damage or injury you incur 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 injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like medical services, emergency aid, bail bonds and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision coverage – This coverage will pay to fix damage to your Outback from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, sideswiping another vehicle, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comments About 2001 Subaru Outback Insurance

  1. Verena Olsen

    In Manchester, New Hampshire, Progressive auto insurance rates for my 2001 Subaru Outback were good. It was easy to get rates. I just carry liability insurance.

  2. Edwin Aguirre

    I got a good deal I think. I’m from Concord, NH. Quoted rates from Travelers, Auto-Owners, The General, and Safeco for my Subaru and I’m now saving $16 a month. Can still barely afford it. I just carry liability insurance.

  3. Cordia Dunn

    What is UM/UIM coverage?

  4. Dion Horton

    Nice info. Live in Warwick, Rhode Island. Received prices from Allstate, Hartford, and Encompass for my 2001 Subaru Outback and saved around $110 a year. Left Esurance to switch. I don’t have comp or collision coverage.

  5. Coy Hinton

    I’m in the north part of Rockford, IL. Got car insurance quotes with Mercury, Encompass, GEICO, and AAA for my Subaru and I think I cut my rates about $20 each month.

  6. Vernon Caldwell

    I live just outside Philadelphia, Pennsylvania. Got quotes from Progressive, Amica, Esurance, and The General for my 2001 Subaru Outback and saved about $110 a year. Get lots of quotes to find the best rate.

  7. Nevada Kaufman

    I think I’m paying too much. I live south of Charlotte, NC. Checked online prices for a 2001 Subaru Outback. Ended up at about $70 savings annually. Went with Allstate. You can get a rate quote online.

  8. Lettie Aguirre

    Enjoyed the article. From Charleston, South Carolina. Checked online prices for a 2001 Subaru Outback. Ended up at about $90 savings annually. Went with GEICO. Not sure if rates are cheaper online or not. I think I’ll get rid of full coverage next time.

  9. Ivana Edwards

    Enjoyed the article. I live just outside Spokane, WA. Got car insurance prices from Hanover, AAA, MetLife, and a couple others for my 2001 Subaru Outback and I think I saved about $30 each month. I quoted rates online then called them. My Outback doesn’t have full coverage.

  10. Indira Cervantes

    Does 21st Century insure teenage drivers?

  11. Rosetta Zimmerman

    Cheap car insurance? What’s that? I’m in Boise, ID. Received prices from Sentry, Farmers, Progressive, and Amica for my Subaru and I think I saved about $20 each month. Left USAA to switch. I have a couple other vehicles on the policy. I don’t have comp or collision coverage.