2011 Subaru Outback Car Insurance Quotes

Trying to come up with a payment for expensive car insurance can dwindle your savings and put a big crunch on your finances. Numerous car insurance companies battle for your business, so it’s not easy to compare every insurance company to find the absolute lowest cost out there.

How to lower your auto insurance cost

Comparing auto insurance rates can take hours if you don’t know the most efficient way to do it. You could spend the better part of a day driving to local insurance agents in your area, or you could use online quotes to achieve your goal.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company can provide price quotes for coverage. This saves time by eliminating quotation requests to each company.

To use this form to compare rates click to open in new window.

The single downside to getting quotes like this is buyers cannot specifically choose which insurance companies to get quotes from. So if you prefer to choose specific insurance companies to compare prices, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

The method you choose is up to you, but ensure you’re using exactly the same coverage limits for each quote you get. If you have different liability limits then you won’t be able to make a fair comparison for your Subaru Outback.

Don’t overlook these car insurance discounts

Insuring your fleet can be pricey, but you can get discounts that many people don’t even know exist. Some discounts apply automatically when you purchase, but some need to be inquired about in order for you to get them.

  • Onboard Data Collection – Insureds who allow their insurance company to look at where and when they drive remotely such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they have good driving habits.
  • Multiple Cars – Purchasing coverage when you have all your vehicles on one policy can get a discount for every vehicle.
  • Seat Belt Usage – Requiring all passengers to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Drive Less and Save – Low mileage vehicles could be rewarded with substantially lower premium rates.
  • Payment Method – By making one initial payment instead of making monthly payments you may reduce your total bill.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky. But all discounts will help lower the cost of coverage.

Larger car insurance companies and the discounts they provide include:

  • Farm Bureau may have discounts that include safe driver, multi-policy, multi-vehicle, good student, renewal discount, youthful driver, and 55 and retired.
  • Liberty Mutual may include discounts for new move discount, multi-policy, newly married, preferred payment discount, safety features, hybrid vehicle, and multi-car.
  • State Farm offers discounts including multiple autos, good student, accident-free, anti-theft, good driver, and Drive Safe & Save.
  • Auto-Owners Insurance has discounts for paperless, multiple vehicles, multi-policy, paid in full, teen driver, and company car.
  • GEICO policyholders can earn discounts including anti-lock brakes, military active duty, multi-policy, air bags, and federal employee.
  • SAFECO includes discounts for bundle discounts, anti-theft, teen safety rewards, drive less, and anti-lock brakes.

Double check with each insurance company to apply every possible discount. Discounts may not be offered everywhere. If you would like to choose from a list of car insurance companies who offer cheap car insurance quotes, follow this link.

When to get professional advice

When choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might help in determining if you might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Are my tools covered if they get stolen from my vehicle?
  • How many claims can I have before being cancelled?
  • How do I insure my teen driver?
  • Am I covered when using my vehicle for business?
  • Am I covered when driving someone else’s vehicle?
  • How can I force my company to pay a claim?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

The Subaru Outback insurance cost equation

Lots of things are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving record, but other criteria are more transparent such as your marital status and annual miles driven.When buying insurance it’s important to understand some of the factors that come into play when calculating insurance rates. When you understand what controls the rates you pay, this enables you to make decisions that will entitle you to big savings.

  • Raise deductibles and save – Protection for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your Subaru. Examples of covered claims could be a windshield shattered by a rock, hitting a deer, or theft. Deductibles for physical damage state the amount of money you are required to pay before your insurance pays a claim. The more of the claim you are required to pay out-of-pocket, the lower your rates will be for Outback coverage.
  • Accidents increase premiums – A bad driving record can have a huge impact on auto insurance premiums. Drivers with clean records tend to pay less for car insurance compared to bad drivers. Only having one chargable violation can increase rates by twenty percent. Drivers with serious violations such as DUI, reckless driving or excessive speeding may find that they have to to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Females tend to cost less – Statistics show females are less aggressive when driving. It does not mean women are BETTER drivers than men. Both genders are in auto accidents at a similar rate, but men get into accidents with more damage. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 tend to get in the most accidents and thus pay the highest rates.
  • Drivers with high credit save – Having a good credit score is likely to be a major factor in calculating your insurance rates. Drivers with good credit tend to be more responsible than those with poor credit scores. Therefore, if your credit is low, you could save money insuring your 2011 Subaru Outback by repairing your credit.
  • Lower stress equals lower insurance rates – Careers such as doctorsair traffic controllers and miners are shown to have the highest rates in part from stressful work requirements and lots of time spent away from family. On the other hand, careers such as actors, students and performers pay the least for Outback coverage.
  • Lower rates for safer vehicles – Safer cars tend to be cheaper to insure. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you. If your Subaru scored at minimum four stars on Safercar.gov it may be receiving lower rates.
  • Deter theft and pay less – Owning a car with a theft deterrent system can earn a premium discount. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Be proud to be claim-free – If you file claims often, you can definitely plan on either higher rates or even cancellation. Car insurance companies give cheaper rates to people who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the large, substantial claims.

Car insurance advertisements

Consumers constantly see and hear ads that claim the lowest auto insurance rates from the likes of State Farm and Allstate. They all advertise the message that you can save if you change to their company.

That’s great but how can every company charge less that you’re paying now? You have to listen carefully.

Most companies quote their cheapest rates for the type of customer that will add to their bottom line. A good example of a profitable insured should be a married female, has a low-risk occupation, and insures a new vehicle. Anybody who meets those qualifications receives the best premium rates and will also save when they switch companies.

People who don’t meet the “perfect” profile may be required to pay more expensive rates and ends up with business going elsewhere. The ads state “people that switch” not “everybody who quotes” can save as much as they claim. This is how companies can advertise the way they do.

This emphasizes why you absolutely need to compare as many free insurance quotes as you can. You cannot predict which car insurance company will fit you best based on your risk profile.

Car insurance coverage information

Having a good grasp of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage 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. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision – This will pay to fix damage to your Outback resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage – Liability coverage can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t 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 liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, repair bills for other people’s vehicles, emergency aid and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like ambulance fees, rehabilitation expenses, doctor visits, funeral costs and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to 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

Comprehensive coverage (or Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a bird, hail damage and hitting a deer. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

One last thing about your coverage

We just showed you many ideas to compare 2011 Subaru Outback insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the best prices are with a lesser-known regional company. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.

Cheap 2011 Subaru Outback insurance can be purchased both online as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and these regional insurance providers only sell coverage through independent agents.

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Comments About 2011 Subaru Outback Insurance

  1. Norberto Goff

    Thought I’d throw in my experience. I live in a small town just outside of New Haven, Connecticut. Received quotes with State Farm, AAA, Esurance, and Hartford for my Outback and I think I am saving around $30 each month.

  2. Anette William

    Do I have to have car insurance in Tennessee?

  3. Deborah Pierce

    Lifelong resident of Lincoln, Nebraska, and Allstate rates were best. Was with Encompass. I think they have home insurance too. Are quotes cheaper online?

  4. Lenore Stout

    I got a good deal I think. I’m in Mesa, AZ. Received rates from AAA, Esurance, and Nationwide for my 2011 Subaru Outback and saved just over $250 a year. Left Esurance to switch. Not sure if rates are cheaper online or through an agent.

  5. Delilah Hancock

    Live in the western part of Biloxi, MS. Quoted prices online for a 2011 Subaru Outback. Ended up at about $550 savings annually. Went with Allstate. I increased coverages a little too. You can get a rate quote online.