Save on 2005 Subaru Outback Insurance Quotes

Have you had enough of scraping nickels together to keep your car insured? You have the same problem as many other consumers. Companies like Allstate, Liberty Mutual and State Farm all promote huge savings with TV and radio ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

Consumers need to price shop coverage yearly due to the fact that insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest rate for Outback coverage a couple years back you will most likely find a better price today. Forget all the misinformation about insurance coverage because you’re about to find out one of the quickest ways to eliminate unnecessary coverages and save money.

Insurance Discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts to reduce the price significantly. Certain reductions will be credited at the time you complete a quote, but occassionally some discounts must be manually applied in order for you to get them.

  • Homeowners Discount – Simply owning a home can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
  • First Accident Forgiveness – but a few companies such as State Farm and Progressive permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • No Accidents – Drivers who stay claim-free can earn big discounts in comparison to insureds who have frequent claims or accidents.
  • Telematics Devices – Drivers who agree to allow companies to track when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
  • Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.

To find insurers with significant discounts, click this link.

Four factors that affect insurance costs

Consumers need to have an understanding of a few of the rating criteria that help calculate your policy premiums. If you understand what controls the rates you pay, this empowers consumers to make smart changes that may result in cheaper rates.

  • How credit rating affects car insurance prices – Having a good credit score is likely to be a major factor in determining premium rates. Drivers with excellent credit tend to be more responsible than those with poor credit scores. If your credit history can use some improvement, you could potentially save money when insuring your 2005 Subaru Outback by improving your credit score.
  • Traffic violations can increase premiums – Your driving record has a big impact on rates. Getting just one speeding ticket or other violation could increase your next policy renewal forty percent or more. Good drivers pay lower auto insurance prices as compared to careless drivers. Drivers who have severe violations like reckless driving, hit and run or driving under the influence may need to maintain a SR-22 with their state motor vehicle department in order to legally drive.
  • Buy as much liability as you can afford – The liability section of your policy is the protection when a court rules you are at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage which can cost a lot. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.
  • Decrease prices by maintaining coverage – Driving without insurance is a misdemeanor and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you might need professional guidance.

  • Why am I required to get a high-risk car insurance policy?
  • Am I getting all the discounts available?
  • Is a blown tire covered by insurance?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Do I need higher collision deductibles?
  • How much liability do I need to cover my assets?
  • Should I sign the liability waiver when renting a car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants 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. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, a broken windshield, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance – This coverage will cover damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, bail bonds, pain and suffering, medical expenses and loss of income. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverages – Collision coverage pays for damage to your Outback resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, damaging your car on a curb, sideswiping another vehicle, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Smart shoppers get results

We just presented some good ideas how to lower your 2005 Subaru Outback insurance premium rates. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the best premium rates are with some of the lesser-known companies. These smaller insurers can often provide lower prices in certain areas than the large multi-state companies such as Allstate and Progressive.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an insured dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at an affordable rate.

Cheaper 2005 Subaru Outback insurance can be sourced online and with local insurance agents, so you need to quote insurance with both to have the best rate selection. There are still a few companies who may not provide price quotes online and these smaller companies sell through independent insurance agents.

For more information, feel free to visit the articles below:

Comments About 2005 Subaru Outback Insurance

  1. Onie Pope

    Not sure if this is cheap. Went with GEICO for my 2005 Subaru Outback and cut my rates about $270 a year.

  2. Kirby Hamilton

    Is GEICO or State Farm cheaper in Columbia, SC?

  3. Francesco Shields

    Not sure what I should be paying. Checking in from Rochester, Minnesota. Quoted a bunch of companies. Saved about $60 a month. 21st Century was the cheapest option for me. Hopefully won’t need it.

  4. Scottie Maldonado

    I compared a lot of rate quotes for a 2005 Subaru Outback in Tampa, Florida. Ended up at about $160 every six months with Amica. Was with Mercury. I have a couple other vehicles on the policy.

  5. Jill Marks

    If you have a clean record and live around New Haven, CT, check out GEICO. They seem to be cheaper. Was with State Farm.

  6. Bobbie Dudley

    GEICO quoted the best rates in Washington.

  7. Annett Macdonald

    Does Progressive do SR22s in North Carolina?

  8. Vashti Villarreal

    I got quite a few price quotes for a 2005 Subaru Outback in Indianapolis, IN. Ended up at right around $240 every six months with Auto-Owners. I’m a pretty good driver though. They have free quotes online.

  9. Rosetta Nguyen

    If you have a good history and live near Saint Paul, MN, check out 21st Century. You might get cheaper rates. Insured with Auto-Owners before. Just go online and compare their rates.

  10. Tayna Smith

    If you have a good history and live around Norfolk, VA, check out Allstate. They seem to be cheaper. :P

  11. Maxwell Branch

    Lots of useful info here. From northwest of Las Cruces, New Mexico. Received quotes from Auto-Owners, Safeco, and a few others for my 2005 Subaru Outback and saved just over $490 a year. Left Progressive to switch. Even increased my liability limits. They offer free online rate quotes.

  12. Priscilla Brown

    Proud to be from Overland Park, Kansas. Got rates from AAA, Nationwide, and USAA for my Subaru and saved just over $480 a year.