2006 Subaru Outback Car Insurance Rates

Do you get exhausted from robbing Peter to pay Paul each month for insurance? You have the same problem as many other vehicle owners. Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurance companies to get the best rate

It’s important to get comparison quotes every six months since prices tend to go up over time. If you had the best rates for Outback coverage two years ago there is a good chance you can find better premium rates now. Ignore everything you know about insurance because you’re about to learn the easiest way to find great coverage at a great price.

If you have a policy now or need new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Finding affordable coverage is not that difficult. Consumers only need an understanding of the most effective way to compare company rates online.

The best way to compare rate quotes utilizes the fact most insurance companies participate in online systems to give rate comparisons. All consumers are required to do is provide the companies a bit of rating information such as if you have an active license, if it has an alarm system, marital status, and level of coverage desired. The data is instantly sent to insurance companies and they provide comparison quotes almost instantly.

To check rates for your 2006 Subaru Outback now, click here and enter the information requested.

Insurance coverage quotes and discounts

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Some discounts will apply when you complete an application, but some need to be requested specifically before you get the savings. If you aren’t receiving every discount you deserve, you may be paying too high a price.

  • Own a Home – Being a homeowner can earn you a little savings because of the fact that having a home requires a higher level of personal finance.
  • Claim-Free Discount – Drivers with accident-free driving histories get the best insurance coverage rates as opposed to bad drivers.
  • Auto/Home Discount – If you can combine your auto and home policy with the same insurance company you could earn a discount of nearly 15% which can help you find cheaper car insurance.
  • Early Renewal Discounts – Some insurance coverage companies provide a discount for buying a policy early. It can save you around 10%.
  • Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class in high school.
  • Paperless Signup – Some larger companies provide a small discount for signing up over the internet.
  • Include Life Insurance and Save – Select insurance companies reward you with a discount if you purchase some life insurance too.
  • Save over 55 – Older drivers may be able to get a small decrease in premiums for Outback coverage.
  • Anti-theft System – Vehicles that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% off the medical payments premium.

We need to note that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy. Any amount of discount will cut the amount you have to pay.

Large insurance coverage companies and their possible discounts can be found below.

  • State Farm may have discounts that include Drive Safe & Save, accident-free, multiple autos, multiple policy, defensive driving training, good student, and good driver.
  • Geico may offer discounts for anti-lock brakes, air bags, defensive driver, multi-policy, and military active duty.
  • SAFECO may include discounts for homeowner, teen safe driver, anti-theft, safe driver, multi-car, and bundle discounts.
  • Farmers Insurance discounts include multi-car, alternative fuel, good student, switch companies, bundle discounts, pay in full, and electronic funds transfer.
  • AAA offers discounts including multi-car, AAA membership discount, good student, good driver, and pay-in-full.
  • USAA offers premium reductions for loyalty savings, multi-vehicle, multi-policy, vehicle storage, and new vehicle.

It’s a good idea to ask every company which discounts they offer. Savings might not apply in your state. To choose insurance coverage companies who offer online insurance coverage quotes, follow this link.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need medical payments coverage since I have good health insurance?
  • Will my insurance pay for OEM parts?
  • Do I need replacement cost coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Parts of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for ambulance fees, chiropractic care, X-ray expenses, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability

Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means 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. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as loss of income, emergency aid and pain and suffering. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Collision protection

This coverage pays for damage to your Outback caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, colliding with another moving vehicle, colliding with a tree, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from flooding and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Comments About 2006 Subaru Outback Insurance

  1. Merilyn Wilkinson

    Got a quote with AIG Insurance for my 2006 Subaru Outback and saved around $240 a year.

  2. Cody Pacheco

    I chose to switch to State Farm from AAA. I live in Salt Lake City, Utah. Left American Family to switch. Just waiting to see how claims go.

  3. Sanda Hardy

    If you’re a decent driver and live near Juneau, Alaska, check out GEICO. You might save some money. Left Hanover to switch. Have an at-fault accident tho. It’s easy to compare rates online now.

  4. Mickey Cobb

    Like your site, BTW. I’m in the south part of Raleigh, NC. Quoted quotes from Allstate, Auto-Owners, and Farmers for my Subaru and I’m now saving $40 a month.

  5. Erika Murphy

    It’s all a rip off. I’m just east of Salt Lake City, UT. I got free prices from American Family, Eastwood, and Mercury for my Outback and saved $366 a year. Wish I didn’t have to insure at all.

  6. Dee Hardy

    Live in the southern part of Miami, FL. Quoted a bunch of companies. Saved roughly $20 a month. GEICO was the most affordable for me. Was with Auto-Owners.

  7. Melody Moon

    I switched to State Farm. Quoted good rates in Billings, MT. Insured with GMAC before.

  8. Regine Wilkerson

    What are minimum liability limits required in Missouri?

  9. Aubrey Huber

    Does Progressive have good claim service?

  10. Drema Torres

    It all costs too much. Found cheapest coverage with Progressive for my 2006 Subaru Outback and saved about $230 a year. Was with Farmers. I have a couple other vehicles on the policy.

  11. Jackson Pearson

    I live in Chicago, Illinois. Quoted prices online for a 2006 Subaru Outback. Ended up at about $300 savings annually. Went with State Farm. Thankfully I have a good driving record.

  12. Toya Hull

    I’m in the north part of Jacksonville, FL. Quoted prices online for a 2006 Subaru Outback. Ended up at about $250 savings annually. Went with Progressive. God forbid I actually have a claim.