2007 Subaru Outback Car Insurance Rates

Want better insurance coverage rates for your Subaru Outback? Paying for pricey Subaru Outback insurance can deplete your savings account and force you to make sacrifices. Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute best price available.

Car insurance discounts are available to cut your rates

Insuring your fleet can be pricey, but you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but a few need to be manually applied before you will receive the discount.

• Student Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it can save substantially.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a car insurance quote.
• Drive Safe and Save – Drivers without accidents can pay as much as 50% less on Outback coverage than drivers with accident claims.
• Waiver for an Accident – Not really a discount, but companies like Progressive, Allstate, and Liberty Mutual allow you one accident before your rates go up if you have no claims prior to being involved in the accident.
• Multi-Vehicle Discounts – Insuring more than one vehicle with one company qualifies for this discount.
• Renewal Discounts – Some car insurance companies provide a discount for buying a policy before your current coverage expires. You could save around 10% when you buy car insurance online.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you may reduce your total bill.
• Driver Safety – Successfully completing a defensive driving class could possibly earn you a 5% discount if your company offers it.

We need to note that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky.

A list of car insurance companies and a partial list of their discounts can be found below.

• State Farm policyholders can earn discounts including good student, defensive driving training, Steer Clear safe driver discount, multiple autos, anti-theft, safe vehicle, and good driver.
• Nationwide discounts include anti-theft, multi-policy, easy pay, Farm Bureau membership, accident-free, good student, and family plan.
• Geico offers premium reductions for air bags, five-year accident-free, emergency military deployment, federal employee, daytime running lights, and military active duty.
• AAA has discounts for good driver, AAA membership discount, multi-policy, pay-in-full, and good student.
• 21st Century has savings for teen driver, defensive driver, automatic seat belts, driver training, air bags, theft prevention, and 55 and older.
• The Hartford may include discounts for defensive driver, bundle, driver training, good student, air bag, and vehicle fuel type.

It’s a good idea to ask each company or agent which discounts you qualify for. Depending on the company, some discounts may not be offered in your area. To view insurance companies offering car insurance discounts, click here.

Insurance quotes comparison

Most larger insurance companies give prices online. This process is possible for anyone as you simply type in your personal and coverage information into a form. After the form is submitted, the system automatically retrieves your driving and credit reports and generates pricing information. This helps simplify price comparisons, but the process of having to visit several different sites and complete many quote forms is repetitive and time-consuming. But it’s very important to get many rate quotes if you want to get lower prices.

Isn’t there an easier way to compare rates?

The smarter way to find lower prices uses one form that obtains quotes from a lot of companies. This type of form saves time, reduces the work, and makes comparison shopping much simpler. After sending your information, your coverage is rated and you can choose your choice of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To use this form to compare rates, simply click here to open in new window and submit the form. To compare your current rates, we recommend you type in the limits and deductibles identical to your current policy. Doing this guarantees you are getting an apples-to-apples comparison for exact coverage.

Everyone needs different car insurance coverages

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine if your insurance needs might need an agent’s assistance.

• Do I need rental car coverage?
• Are split liability limits better than a combined single limit?
• Does my 2007 Subaru Outback qualify for pleasure use?
• Does liability extend to a camper or trailer?
• Is my ex-spouse still covered by my policy?
• Can my babysitter drive my car?
• Does coverage extend to a rental car in a foreign country?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance 101

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Liability coverages

This can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as emergency aid, repair costs for stationary objects, funeral expenses, medical services and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, hitting a bird, damage from flooding, hail damage and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

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

Collision insurance covers claims like backing into a parked car, sustaining damage from a pot hole, driving through your garage door and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Subaru Outback.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like rehabilitation expenses, nursing services, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Get your money’s worth

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at a price you can afford.

Some companies do not provide price quotes online and many times these regional insurance providers work with independent agents. Low-cost 2007 Subaru Outback insurance can be purchased online in addition to local insurance agencies, and you need to price shop both to have the best selection.

Additional insurance coverage information can be read at these links:

• Tread Depth and Tire Safety (State Farm)
• What is a Telematics Device? (Allstate)
• What is Full Coverage? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)