View 2002 Subaru Outback Car Insurance Rates

Want the cheapest insurance rates? Drivers have options when trying to find low-cost Subaru Outback insurance. You can either waste hours struggling with agents to get rate comparisons or leverage the internet to find the lowest rates.

There is a better way to buy insurance and you need to know the best way to price shop coverage for your Subaru and get the cheapest rates from local insurance agents and online providers.

It’s a good idea to do price comparisons yearly since insurance prices are variable and change quite frequently. Even if you got the lowest rates for Outback insurance two years ago there is a good chance you can find better premium rates now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.

If you are insured now or need a new policy, you can learn to find better prices and still get good coverage. The purpose of this post is to help educate you on how to effectively get price quotes. Consumers just need to learn the best way to compare prices over the internet.

Get more affordable insurance premiums by understanding these factors

A large part of saving on car insurance is knowing the rating factors that aid in calculating the rates you pay for car insurance. When you understand what influences your rates, this empowers consumers to make smart changes that can earn you lower car insurance prices. Many factors are taken into consideration when you get your auto insurance bill. Some factors are common sense such as your driving record, although some other factors are not as apparent like where you live and annual miles driven.

  • Protect yourself with liability coverage – Your policy’s liability coverage will provide protection if ever you are found liable for causing damage or personal injury in an accident. This coverage provides legal defense coverage to defend your case. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Being married reduces risk – Your spouse can actually save you money on your car insurance policy. Having a spouse demonstrates that you tend to be more stable financially and statistics prove being married results in fewer claims.
  • Car insurance policy lapses increase prices – Having a gap between insurance policy dates is a fast way to trigger a rate increase. And not only will your rates increase, being ticketed for driving with no insurance could result in fines or a revoked license. You could then be forced to file a SR-22 with your state department of motor vehicles.
  • Where you call home can modify costs – Having an address in less populated areas has it’s advantages if you are looking for the lowest rates. Lower population translates into fewer accident claims as well as less vandalism and auto theft. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. More time commuting means more chance of being in an accident.
  • GPS tracking and theft deterrents reduce premiums – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms can help prevent car theft and help bring rates down.

Cheapest car insurance quotes

Many insurance companies give price estimates directly from their websites. Obtaining pricing doesn’t take a lot of time as all you need to do is type in your coverage information as requested by the quote form. Behind the scenes, the company’s rating system obtains reports for credit and driving violations and returns pricing information.

Online price quotes helps simplify price comparisons, but the time required to go to many different websites and enter the same data into a form is a big time waster. But it’s absolutely necessary to compare as many rates as possible if you want to get lower prices.

The smarter way to lower your rates is to use a quote form to get prices from several companies at one time. It saves time, reduces the work, and makes online shopping much more enjoyable. After your information is entered, it is rated with multiple companies and you can pick any one of the pricing results.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To use this form to compare rates, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you duplicate coverages and limits as close as possible to your current policy. This helps ensure you are getting an apples-to-apples comparison based on identical coverages.

Does car insurance advertising bend the truth?

Consumers can’t avoid all the ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. They all say the same thing that people will save if you get a free insurance coverage quote and switch your coverage to them.

How do they all sell you cheaper insurance coverage? You have to listen carefully.

Car insurance companies have strict underwriting profiles for the type of driver that is profitable for them. A good example of a desirable insured might be over the age of 40, has never had a claim, and drives less than 5,000 miles a year. Anyone that hits that “sweet spot” receives the best premium rates and therefore will save a lot of money.

Insureds who fall short of these criteria may be forced to pay higher premiums and business going elsewhere. If you pay close attention to the ads, they say “people that switch” not “all people who quote” save money. This is how insurance companies can confidently make the claims of big savings.

This really drives home the point why drivers must compare many company’s premium rates. It’s just too difficult to predict the company that will have the lowest rates.

Lower-cost car insurance quotes with discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts to cut the cost considerably. Many of these discounts will be applied automatically when you purchase, but a few need to be asked about before being credited.

  • Discounts for Cautious Drivers – Safe drivers may receive a discount up to 45% for Outback insurance than drivers with accident claims.
  • Distant Student – living away from home attending college and don’t have a car may be able to be covered for less.
  • Low Miles Discount – Keeping the miles down on your Subaru could qualify for cheaper car insurancerates.
  • Accident-Free Discounts – Good drivers with no accidents get the best car insurance rates as opposed to drivers who are more careless.
  • Waiver for an Accident – Not necessarily a discount, but certain companies will let one accident slide without raising rates so long as you are claim-free prior to being involved in the accident.
  • Sign Early and Save – A few larger companies allow discounts for switching policies before your current expiration date. You can save around 10% with this discount.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think it’s possible to get free car insurance, nobody gets a free ride.

To see insurance companies that offer multiple discounts, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your situation could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Will my rates increase for filing one claim?
  • Is my trailer covered?
  • Who is covered by my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • What happens if I owe more than my 2002 Subaru Outback is worth?
  • How can I force my company to pay a claim?
  • Is upholstery damage covered by car insurance?
  • Does insurance cover tools stolen from my truck?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Subaru Outback.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, hitting a bird, damage from flooding and a broken windshield. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

This coverage protects you from injuries or damage you cause to other people or property. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for X-ray expenses, surgery, hospital visits, EMT expenses and chiropractic care. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Outback caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, scraping a guard rail, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Shop around and save

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There have been many cases where drivers have reduced liability coverage limits only to regret at claim time they didn’t have enough coverage. Your objective should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

More affordable car insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not provide rate quotes online and usually these small insurance companies only sell coverage through independent agents.

In this article, we presented some good ideas how you can shop for 2002 Subaru Outback insurance online. The most important thing to understand is the more providers you compare, the better likelihood of getting cheaper insurance coverage. Drivers may discover the most savings is with some of the smallest insurance companies.

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Comments About 2002 Subaru Outback Insurance

  1. Sonny Rush

    Great site. I live just to the north of Louisville, Kentucky. I quoted with Travelers, American Family, The General, and Safeco for my Subaru and cut my rates about $100 a year. Was with USAA. I don’t have comp or collision coverage.

  2. Lasonya Orr

    Lots of good stuff here. Checking in from Portland, OR. Got rates from Progressive, Liberty Mutual, and Farmers for my Outback and I’m now saving $15 a month. Insured with Hanover before. Book value doesn’t justify full coverage anymore.

  3. Jon Gillespie

    Great site. I’m in the suburbs of Shreveport, Louisiana. Quoted with GEICO, Esurance, and Hanover for my Outback and I’m now saving $22 a month. Get lots of quotes to find the best rate. Next renewal I’ll just do liability.

  4. Francina Ballard

    Thought I’d throw in my experience. Quoted with Allstate for my Outback and saved about $80 a year. Even increased coverage a bit. I used their online quote form to compare rates.

  5. Sammy Whitaker

    Are GEICO rates cheap in Oklahoma?

  6. Sean Durham

    Not sure if this is cheap. Went with AAA for my Subaru and am saving around $80 a year. Not sure if rates are cheaper online or not.

  7. George Gallagher

    I live in Worcester, MA. Quoted prices online for a 2002 Subaru Outback. Ended up at about $100 savings annually. Went with Allstate. I even had a DUI years ago. Wish I didn’t have to insure at all.

  8. Darlena Ellis

    I’m in Nampa, ID. Got car insurance prices from USAA, AAA, The General, and MetLife for my Outback and am saving around $60 a year. Left MetLife to switch. I’m a pretty good driver though.

  9. Kimberlie Talley

    What are minimum liability limits required in Arizona?

  10. Treena Alvarez

    In Jacksonville, Florida try State Farm or Progressive. Both had decent prices.

  11. Sherron Strong

    From Minneapolis, MN. Quoted rates from American Family, Esurance, and Sentry for my Outback and saved $91 a year. Insured with Allstate before. They have a lot of discounts available. Still almost need a second mortgage. When should I drop full coverage?

  12. Kermit Donaldson

    I’m looking for cheaper coverage. From northwest of Lewiston, ME. Quoted quotes from Hartford, American Family, Mercury, and a couple others for my Subaru and saved $91 a year. I have kids on my policy, too. It never hurts to quote around.

  13. Edmund Bridges

    Here’s my info. I live in a small town just outside of Jackson, MS. I got free quotes from AIG Insurance, Mercury, and Western Auto Insurance for my Subaru and saved just over $110 a year. Got better coverage too. I don’t put full coverage on it.

  14. Luann Farmer

    Here’s what I found out. I’m in the suburbs of Owensboro, KY. I got free rates from Auto-Owners, MetLife, and Western Auto Insurance for my Subaru and I’m now saving $11 a month. Left Hartford to switch. BTW speeding tickets are not good.

  15. Venus Palmer

    Liked the article. I live on the north side of New Haven, CT. Got car insurance quotes from AAA, Nationwide, and some smaller one I can’t remember the name of for my 2002 Subaru Outback and cut my rates about $110 a year. I get multi-vehicle and multi-policy discounts. It’s only liability tho.