Save on 2008 Subaru Outback Insurance Quotes

Looking for lower car insurance rates for your Subaru Outback? Did you make the mistake of buying overpriced car insurance? You’re preaching to the choir because there are lots of people in the same boat.

Online insurance companies like State Farm, Geico and Farmers Insurance promote their brand names with catchy ads and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

Smart consumers take time to compare premium rates every six months because car insurance prices are adjusted regularly by insurance companies. Even if you think you had the best quotes for Outback insurance six months ago there may be better deals available now. Ignore everything you know about car insurance because you’re going to learn the easiest way to reduce your cost while increasing coverage.

If you currently have car insurance, you will most likely be able to save some money using these methods. Finding affordable coverage is not that difficult. Although consumers can benefit by having an understanding of the way insurance companies determine prices because it can help you find the best coverage.

Pay discount rates these discounts

Insurance coverage is expensive, but you may find discounts that you may not even know about. Many of these discounts will be applied automatically at the time of quoting, but some may not be applied and must be inquired about in order for you to get them. If you are not receiving all the discounts you qualify for, you’re just leaving money on the table.

• Paperwork-free – Some insurance coverage companies will give you a small discount just for signing your application digitally online.
• Mature Driver Discount – If you’re over the age of 55, you could receive lower premium rates for Outback insurance.
• No Claim Discounts – Drivers who stay claim-free get the best insurance coverage rates as compared to frequent claim filers.
• Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease for Outback insurance but check with your company.
• Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
• Fewer Miles Equal More Savings – Fewer annual miles on your Subaru could qualify for discounted insurance coveragerates on garaged vehicles.
• Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
• Club Memberships – Participating in qualifying employment or professional organizations could qualify you for a break on insurance coverage.

You can save money using discounts, but most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free insurance coverage policy, it doesn’t quite work that way.

To view insurance companies that offer discounts, follow this link.

Why you might pay higher rates

Lots of factors are considered when quoting car insurance. Some are obvious like an MVR report, but some are less obvious such as your marital status or your financial responsibility.

• Your career may increase rates – Occupational choices like fire fighters, executives and medical professionals have higher average rates in part from high stress levels and lots of time spent at work. On the other hand, occupations such as professors, athletes and retirees pay lower than average rates for Outback insurance.
• Low physical damage deductibles can be expensive – The deductibles define how much you are willing to pay out-of-pocket if you file a covered claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims are colliding with a stationary object, animal collisions, and having a roll-over accident. The higher the amount you have to pay, the lower your rates will be for Outback insurance.
• Avoid traffic tickets – Your driving record has a huge affect on how much you pay. Even a single speeding ticket or other violation may increase your cost substantially. Good drivers have lower premiums compared to bad drivers. Drivers who have received dangerous citations like reckless driving or DUI may find they need to submit a SR-22 form with their state’s licensing department in order to legally drive.
• Uninterrupted coverage lowers premiums – Not maintaining insurance is illegal and auto insurance companies will penalize you for letting your coverage cancel without a new policy in place. Not only will rates go up, the inability to provide proof of insurance may result in fines or a revoked license.

Special considerations

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine whether your personal situation might need professional guidance.

• What discounts do I qualify for?
• Does my insurance cover my expensive audio equipment?
• Do I need PIP (personal injury protection) coverage in my state?
• What can I do if my company denied a claim?
• Do I need medical payments coverage since I have good health insurance?
• Is my babysitter covered when using my vehicle?
• Do I have any recourse if my insurance company denies a claim?
• Do I need roadside assistance coverage?
• How do I buy GAP insurance?
• What is no-fault insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Information about specific coverages

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverages available from car insurance companies.

Collision protection

Collision coverage will pay to fix damage to your Outback from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, scraping a guard rail, hitting a mailbox, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like hospital visits, funeral costs, surgery, X-ray expenses and doctor visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru Outback.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, hail damage, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability insurance will cover damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like medical expenses, court costs, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Shop. Compare. Save.

You just read many tips how you can lower your 2008 Subaru Outback insurance premium rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding inexpensive insurance coverage. You may even discover the biggest savings come from a small local company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability coverage limits and discovered at claim time that the small savings ended up costing them much more. Your focus should be to buy enough coverage for the lowest price while still protecting your assets.

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

• Vehicle Insurance in the U.S. (Wikipedia)
• What is Covered by GAP Insurance? (Allstate)
• Five Mistakes to Avoid (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)