2009 Subaru Outback Insurance Quotes – 5 Discounts for Best Rates

Want cheaper insurance rates for your Subaru Outback? No normal person looks forward to buying insurance, especially knowing they could find lower prices if they just compared rates. Because you have many choices of insurance companies, it’s difficult to locate the most affordable insurance provider.

Consumers should take time to get comparison quotes every six months since rates change regularly. Despite the fact that you may have had the lowest premium rates for Outback coverage two years ago there is a good chance you can find better prices now. You can find a lot of information about insurance online, but we’re going to give you some tested techniques to lower your insurance bill.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these tips. Vehicle owners just need to learn the most effective way to find the lowest price online.

Low cost insurance prices

There are a lot of ways you can shop for insurance but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in your area, or you could use online quoting to achieve your goal.

Many popular insurance companies belong to a marketplace that enables customers to submit one quote, and every company returns a rated price based on that data. This saves time by eliminating quote forms for each company you want a rate for.

To compare rates using this form now click here to open in new window.

The only drawback to comparing rates this way is that consumers can’t choose which providers to get pricing from. So if you prefer to choose individual companies to compare, we have a page of the cheapest insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, try to keep the same coverages and limits on every quote. If your comparisons have different values for each quote it’s not possible to make a fair comparison for your Subaru Outback.

Can you really save $480 a year?

Consumers can’t ignore all the ads that claim the best premium rates from companies such as State Farm, Allstate and Geico. All the companies make the point about savings after switching your car insurance policy to them.

How can each company make almost identical claims? This is the way they can do it.

Many companies quote their cheapest rates for the driver that earns them the highest profit. For example, a profitable risk profile may need to be between 25 and 40, has other policies, and has a high credit rating. Any person that matches those criteria will get a cheap rate quote and will also save a lot of money.

Potential customers who do not match this stringent profile may receive higher premium rates which usually ends up with the customer not buying. If you pay close attention to the ads, they say “customers who switch” not “all people who quote” will save that much if they switch. That’s why companies can make the claims of big savings. Because each company has a different risk profile, you really should compare free auto insurance quotes often. Because you never know the company that will provide the lowest prices.

Use discounts to get cheaper car insurance quotes

Insuring your fleet can be pricey, but you might already qualify for some discounts to reduce the price significantly. A few discounts will be applied when you complete an application, but some may not be applied and must be asked for in order for you to get them.

• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20% or more.
• Early Switch Discount – Select car insurance companies give a discount for switching companies prior to your current policy expiration. It can save you around 10%.
• Low Mileage Discounts – Maintaining low annual mileage could be rewarded with lower prices due to less chance of an accident.
• Senior Citizen Discount – If you’re over the age of 55, you may receive a discount up to 10% for Outback coverage.
• Employee of Federal Government – Employees or retirees of the government may reduce rates when you quote auto insurance for Outback coverage but check with your company.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it appears you could get a free car insurance policy, company stockholders wouldn’t be very happy.

To choose insurers that can offer you the previously mentioned discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions might help in determining whether you might need an agent’s assistance.

• How much liability do I need to cover my assets?
• What discounts do I qualify for?
• Where can I get insurance after a DUI in my state?
• What exactly is covered by my policy?
• What is the difference between comprehensive and collision coverage?
• Am I covered when driving on a suspended license?
• Do I need added coverage for expensive stereo equipment?
• When should I remove comp and collision on my 2009 Subaru Outback?
• What is the ISO rating for a 2009 Subaru Outback?
• Does having multiple vehicles earn me a discount?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk 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 you can get the answers you need.

Car insurance coverage breakdown

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.

Collision coverages – This coverage covers damage to your Outback from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2009 Subaru Outback.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, damage from a tornado or hurricane and falling objects. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability – This coverage will cover injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims like pain and suffering, medical services, bail bonds, court costs and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like pain medications, chiropractic care, X-ray expenses, prosthetic devices and hospital visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

One last thing

When getting auto insurance quotes online, you should never skimp on critical coverages to save a buck or two. In too many instances, someone dropped comprehensive coverage or liability limits only to find out that the savings was not a smart move. The proper strategy is to get the best coverage possible for the lowest price.

We covered a lot of information how to lower your 2009 Subaru Outback insurance prices. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company. They may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

Additional information

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Vehicle Insurance (Wikipedia)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)