Compare 2010 Subaru Tribeca Car Insurance Rates

Did you make the mistake of buying high-priced insurance coverage? Say no more because you’re not the only one.

Online insurance companies like Progressive, GEICO and Farmers Insurance persitently shower you with fancy advertisements and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Finding the best rates is quite easy. But vehicle owners need to have an understanding of how companies compete online because it can help you find the best coverage.

Why you might pay increased rates

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that are used to determine the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to lower premium levels.

Shown below are a few of the things used by companies to determine your rate level.

  • Gender and car insurance rates – Over the last 50 years, statistics have shown females are less aggressive when driving. However, don’t assume that females are better drivers. Both genders cause fender benders in similar percentages, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 have the highest risk to insure and therefore have the most expensive insurance coverage rates.
  • Younger vs. experienced drivers – Older, more experienced drivers are more responsible, are lower risk to insure , and usually have better credit.Beginning drivers are proven to get distracted easily when behind the wheel so they pay higher insurance coverage rates.
  • Where do you drive? – The higher the mileage driven in a year the higher your rates will be. Most insurance companies rate vehicles based on how the vehicle is used. Autos that are left in the garage qualify for better rates than vehicles that have high annual mileage. Improper usage on your Tribeca may be wasting your money. Ask your agent if your policy is rated on how each vehicle is driven, because improper ratings can cost you money.
  • Choose high IIHS safety ratings and save – Safe vehicles tend to be cheaper to insure. Highly rated vehicles reduce injuries and any reduction in injury severity means less claims paid which can result in lower premiums. If your Subaru Tribeca is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Never have insurance coverage policy lapses – Letting your insurance expire can be a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, the inability to provide proof of insurance may earn you fines or a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Drivers save money with with these discounts

Companies do not list all possible discounts very clearly, so the next list breaks down some of the more common and the harder-to-find discounts that you may qualify for.

  • Bundle and Save – If you combine your homeowners and auto policies with one insurance company they may give you a discount of at least 10% off all policies.
  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote insurance coverage on Tribeca insurance with some insurance companies.
  • Telematics Discount – Drivers who elect to allow companies to track when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if their driving habits are good.
  • Own a Home – Just being a homeowner may earn you a small savings since home ownership is proof that your finances are in order.
  • One Accident Forgiven – Not necessarily a discount, but a few companies such as GEICO and Liberty Mutual will forgive one accident before hitting you with a surcharge if your claims history is clear for a specific time period.
  • Active Military Service – Being deployed with a military unit may qualify for rate reductions.

It’s important to note that most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. So when it seems like adding up those discounts means a free policy, insurance companies aren’t that generous.

A few of the larger companies and the discounts they provide can be found below.

  • American Family has discounts for good student, Steer into Savings, early bird, multi-vehicle, and mySafetyValet.
  • State Farm may include discounts for accident-free, anti-theft, multiple autos, good student, passive restraint, Drive Safe & Save, and multiple policy.
  • 21st Century may offer discounts for theft prevention, 55 and older, early bird, student driver, driver training, and air bags.
  • Travelers offers premium reductions for early quote, payment discounts, multi-car, continuous insurance, and IntelliDrive.
  • GEICO includes discounts for driver training, daytime running lights, seat belt use, multi-vehicle, and multi-policy.

When comparing rates, check with each insurance company the best way to save money. Some discounts may not be offered in your area. To view insurance companies that can offer you the previously mentioned discounts, click here.

Misconceptions in car insurance advertisements

Popular car insurance providers such as State Farm and Allstate seem to constantly run ads on television and other media. They all seem to advertise the message that you can save after switching your policy. How is it possible that every company can charge lower premium rates?

Different companies can use profiling for the type of driver that will not have excessive claims. An example of a profitable insured may be a married female, has a clear driving record, and drives newer vehicles. Someone that hits that “sweet spot” will get very good premium rates and as a result will probably save when they switch companies.

Potential customers who are not a match for those standards may receive higher prices with the end result being the customer buying from a different company. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That’s why companies can claim big savings.

Because of these techniques, you really should compare many company’s auto insurance rates. Because you never know which insurance companies will fit your personal profile best.

Your situation helps dictate your coverage

When it comes to buying adequate coverage, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions may help you determine if your situation might need an agent’s assistance.

  • How can I get high-risk coverage after a DUI?
  • Do I need PIP coverage since I have good health insurance?
  • What is the minimum liability in my state?
  • How do I buy GAP insurance?
  • What is an SR-22 filing?
  • Can I afford to pay high deductible claims out of pocket?
  • Is motorclub coverage worth it?
  • Do I have coverage if my license is suspended?

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 a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.

Collision coverage protection

Collision coverage will pay to fix damage to your Tribeca caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle, damage from flooding and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for things like pain medications, dental work, prosthetic devices, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

Liability coverage can cover damage that occurs to people or other property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as court costs, funeral expenses and emergency aid. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many 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 a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Saving money is sweet as honey

We just showed you quite a bit of information on how to compare 2010 Subaru Tribeca insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a lesser-known regional company. These companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.

Some insurance companies may not have price quotes online small insurance companies prefer to sell through independent agents. Cost effective 2010 Subaru Tribeca insurance can be sourced on the web and from local insurance agents, so you need to compare both to have the best selection.

Additional information can be found at these links:

Comments About 2010 Subaru Tribeca Insurance

  1. Pearl Guthrie

    It’s all a rip off. From Columbia, SC. Got rates from American Family, Esurance, and MetLife for my 2010 Subaru Tribeca and I think I cut my rates about $30 each month. Good savings if you bundle. I got a quote from their website.

  2. Carolann Rowland

    Any Progressive or Esurance customers near Rapid City, SD?

  3. Janetta Ashley

    I compared a lot of rate quotes for a 2010 Subaru Tribeca in Fort Smith, Arkansas. Ended up at roughly $100 every six months with Auto-Owners.

  4. Shaquana Reynolds

    Anyone like their agent?

  5. Amber Briggs

    From Cincinnati, Ohio. Quoted quotes from State Farm, GMAC, and Eastwood for my Tribeca and saved just over $220 a year. It’s still not cheap enough.

  6. Lucie Galloway

    2010 Subaru Tribeca + Progressive = GOOD RATES!

  7. Nan Carroll

    Progressive is pretty cheap in Arizona! :)

  8. Dwight Jarvis

    I’m in the suburbs of Dover, DE. Got car insurance quotes with Amica, Nationwide, and a few others for my Subaru and saved just over $120 a year. Insured with Safeco before. I have a teen driver too.

  9. Destiny Spencer

    Does 21st Century do SR22s in Oklahoma?

  10. Hyun Guy

    What exactly does liability cover?