2010 Subaru Outback Insurance Rates

Searching for lower priced insurance coverage may seem to be problematic for vehicle owners who are new to comparison shopping over the internet. With so many options of companies competing online, how are vehicle owners expected to effectively compare each option to find better rates?

How insurers determine Subaru Outback insurance premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to better auto insurance rates. Many factors are part of the calculation when premium rates are determined. Some factors are common sense like an MVR report, although some other factors are more transparent such as your marital status and annual miles driven.

The following are some of the items used by your company to calculate premiums.

  • Eliminate unneeded add-on coverages – There are quite a few extra add-on coverages that you can buy on your Outback policy. Coverages for personal injury protection, accident forgiveness, and extra life insurance coverage may be costing you every month. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • Avoid tickets and save – Drivers with clean records get better rates as compared to those with violations. Having a single citation may cause rates to rise by twenty percent. Drivers who have gotten severe tickets like DUI or reckless driving may need to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
  • Raising physical damage deductibles saves money – Deductibles for physical damage represent how much money you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims are colliding with a stationary object, vandalism, and damage caused by road hazards. The larger the amount the insured is willing to pay, the less money you will pay for auto insurance for Outback insurance.
  • Save money with theft deterrents – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Annual miles is a factor – Driving a lot of miles in a year the higher your rate. A lot of insurance companies calculate rates based upon how much you drive. Autos that do not get driven very much can be on a lower rate level than vehicles that are driven to work every day. It’s a smart idea to ensure your declarations sheet reflects the right rating data. Having an incorrect usage rating on your Outback may be costing you higher rates.
  • Marriage discount – Being married may cut your premiums on your auto insurance policy. It translates into being less irresponsible and it’s statistically proven that married drivers tend to file fewer claims.

Quote car insurance online

Comparing car insurance rates can be challenging if you don’t utilize the fastest way to get free quotes. You can waste a lot of time driving to local insurance agents in your area, or you could use online quotes for quick rates.

Most car insurance companies participate in an industry program that allows shoppers to submit their information once, and every company can give them a price determined by their information. This system prevents you from having to do form submissions for each company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to doing it this way is you are unable to specify which insurance companies to get quotes from. So if you want to select specific providers to request quotes from, we put together a list of low cost car insurance companies in your area. Click here to view list.

Compare rates however you want, just be sure you’re using identical deductibles and coverage limits on every price quote you get. If your comparisons have higher or lower deductibles it’s not possible to make a fair comparison for your Subaru Outback. Having just a slight variation in limits can make a big difference in price. And when quoting car insurance, remember that comparing more company’s prices gives you a better chance of getting more affordable insurance.

Why you might not save $431 a year

Popular insurance coverage providers such as GEICO, State Farm and Progressive regularly use ads on TV and radio. All the ads try to convey promises that drivers will save a bundle just by moving your coverage to them. How does every company cost less than your current company? Here is how they do it.

Companies have a preferred profile for the type of driver they prefer to insure. For example, this type of risk profile may need to be a mature driver, has no tickets, and drives a car with an anti-theft system. Anyone who fits those characteristics receives the best rates and will save if they switch.

Consumers who fall outside these standards will see a more expensive rate and ends up with business not being written. The wording the ads use say “drivers who switch” not “all people who quote” save that much when switching. This is how companies can state the savings. This really emphasizes why you should do a price quote comparison at every renewal. You cannot predict the company that will give you the biggest savings.

Pay discount rates these money-saving discounts

Companies don’t necessarily list their entire list of discounts very clearly, so we researched a few of the more common in addition to some of the lesser obvious credits available to you.

  • Discount for Home Ownership – Owning your own home or condo may earn you a small savings since home ownership means you have a higher level of financial diligence.
  • Military Deployment Discount – Being deployed with a military unit could mean lower prices.
  • Auto/Home Discount – If you can combine your auto and home policy and insure them with the same company you could earn a discount of 10% to 20% off each policy.
  • Anti-lock Brake System – Cars with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Discount for New Cars – Buying insurance on a new vehicle may earn a small discount since new vehicles have better safety ratings.

Remember that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, that’s just not realistic.

A few popular companies and a partial list of their discounts can be found below.

  • Farmers Insurance discounts include early shopping, multi-car, mature driver, good student, and distant student.
  • State Farm includes discounts for driver’s education, good driver, defensive driving training, accident-free, multiple policy, good student, and passive restraint.
  • Liberty Mutual may have discounts that include hybrid vehicle, new graduate, preferred payment discount, new move discount, exclusive group savings, teen driver discount, and good student.
  • MetLife offers discounts including multi-policy, good student, defensive driver, good driver, and accident-free.
  • Progressive offers discounts for multi-vehicle, online quote discount, good student, continuous coverage, and homeowner.

When comparing rates, check with all the companies which discounts you may be entitled to. Discounts may not apply everywhere.

Do I need special coverages?

When it comes to buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions might help in determining whether or not you might need professional guidance.

  • Why am I required to buy liability insurance?
  • Do I need motorclub coverage?
  • When can I cancel my policy?
  • Is my dog or cat covered if injured in an accident?
  • When would I need additional glass coverage?
  • Do I need higher collision deductibles?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Insurance policy coverages for a 2010 Subaru Outback

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, damage from getting keyed, hitting a deer and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants 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 liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for liability – Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like bail bonds, legal defense fees, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for immediate expenses for doctor visits, ambulance fees, funeral costs and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your Outback resulting 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 coverage protects against things such as backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

At the end of the day…

As you restructure your insurance plan, do not reduce needed coverages to save money. In too many instances, an accident victim reduced full coverage and found out when filing a claim that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage at the best cost.

Lower-priced insurance can be bought online as well as from independent agents, and you should be comparing both to have the best selection. Some companies do not provide internet price quotes and these regional insurance providers sell through independent agents.

People leave their current company for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, policy cancellation and even policy non-renewal. Whatever your reason, finding the right insurance provider is not as difficult as it may seem.

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Comments About 2010 Subaru Outback Insurance

  1. Sparkle Sullivan

    I’m just north of Wilmington, DE. Compared rates from a lot of places. Saved darn near $60 a month. 21st Century was the best choice for me. Insured with Allstate before. I’m a pretty good driver though. Highly recommended.

  2. Nu Craig

    Got pretty cheap 2010 Subaru Outback insurance from Progressive in Columbia, SC.

  3. Kristeen Maldonado

    Here’s my info. I live in Aurora, Colorado. I quoted with Liberty Mutual, Auto-Owners, Nationwide, and a couple others for my Outback and saved about $530 a year. Was with AIG Insurance.

  4. Tia Decker

    Went with Hanover for my Outback and saved about $400 a year.

  5. Jennell Bird

    In Tulsa, Oklahoma, State Farm auto insurance rates for my 2010 Subaru Outback were good. Was with Amica. I got a quote from their website.

  6. Tonisha Gregory

    I compared a lot of rate quotes for a 2010 Subaru Outback in Honolulu, HI. Ended up at about $560 every six months with Auto-Owners. Left Mercury to switch. I just quoted rates online.

  7. Antone Lawson

    Where is cheaper car insurance? I live just outside Jersey City, NJ. I compared lots of rates. Saved darn near $70 a month. State Farm was the most affordable for me. Got better coverage too.

  8. Stephany Navarro

    In Juneau, AK try State Farm or GEICO. Both had decent prices.

  9. Ashleigh Mcmahon

    Checking in from Davenport, IA. I quoted with AIG Insurance, Sentry, and USAA for my Outback and saved $237 a year. Get lots of quotes to find the best rate.

  10. Ardath Vazquez

    I found pretty cheap rate quotes for a 2010 Subaru Outback in Bismarck, North Dakota. Ended up at right around $500 every six months with Amica. Online quotes are the way to go.