Save on 2004 Subaru Outback Insurance Quotes

Paying for overpriced Subaru Outback insurance can consume your funds and put the squeeze on your family’s finances. Comparing rates annually is free, only takes a few minutes, and is a good way to make ends meet.

Because there are so many different company options, it’s difficult to pick a lower cost insurance company.

It is always a good idea to compare prices before your policy renews because insurance prices trend upward over time. If you had the lowest quotes on Outback coverage at your last renewal the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the proper way to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. Vehicle owners just need to know how to compare price quotes online.

Low cost insurance coverage prices

Getting a cheaper price on 2004 Subaru Outback insurance is not a difficult process. Just take a few minutes comparing rate quotes from some recommended companies. Rate comparisons can be done using one of these methods.

1. The most efficient way to get quotes would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do multiple quote forms for every company. Taking the time to complete one form will get you rate comparisons from many national carriers.
2. A different way to compare prices requires visiting each company’s website and complete a new quote form. For sake of this example, let’s say you want to compare prices for State Farm, Progressive and American Family. To do that, you would have to spend time going to each site individually to input your insurance information, which is why the first method is more popular.

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

3. Even if you have time, the least recommended method to compare price estimates is to drive around to local insurance agencies. The ability to get quotes online eliminates the need for an insurance agent unless you have a need for the personal advice that only an agent can give. Although, it is possible get prices online but buy from a local insurance agent.

Take whichever approach you prefer, but make sure you are using the exact same quote data on every quote you get. If you enter different data it will be very difficult to make an equal comparison.

Get cheaper insurance quotes with discounts

Auto insurance companies don’t list every discount they offer in an easy-to-find place, so here is a list a few of the more well known as well as the least known ways to save on insurance.

• No Charge for an Accident – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm allow you one accident without getting socked with a rate hike if you are claim-free for a set time period.
• Early Switch Discount – Some insurance companies give discounts for switching to them prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes online.
• Distant Student Discount – College-age children who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
• Homeowners Pay Less – Simply owning a home can save you money since home ownership is proof that your finances are in order.

Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. Even though it appears you can get free auto insurance, companies don’t profit that way.

Some companies that may offer many of the previously listed discounts include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

If you want inexpensive car insurance quotes, ask every company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in your area. To choose providers that offer the discounts shown above, follow this link.

Tailor your car insurance coverage to you

When buying adequate coverage, there is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your insurance needs could use an agent’s help.

• Should I carry comprehensive and collision coverage?
• Does coverage extend to a rental car in a foreign country?
• Is my 2004 Subaru Outback covered for flood damage?
• Are all vehicle passengers covered by medical payments coverage?
• Can I drive in Mexico and have coverage?
• Am I covered when delivering products for my home-based business?
• Where can I get insurance after a DUI in my state?
• What can I do if my company won’t pay a claim?
• How much can I save by bundling my policies?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Insurance policy specifics

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims. It does not 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. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things like repair bills for other people’s vehicles, repair costs for stationary objects, bail bonds and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Subaru Outback.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision – This coverage covers damage to your Outback from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, rolling your car, sustaining damage from a pot hole, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for bills such as nursing services, X-ray expenses, dental work, doctor visits and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as 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

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, rock chips in glass and damage from flooding. The highest amount a 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.