2012 Subaru Outback Insurance Rates – 7 Tricks for Cheaper Quotes

Are you irritated from being strong-armed to make your auto insurance payment? You are no different than the majority of other people.

Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest price

Do you qualify for discount auto insurance?

The cost of insuring your cars can be expensive, but you may be missing some discounts to help offset the cost. Certain reductions will be credited when you purchase, but some discounts are required to be specifically requested before you get the savings.

• Discount for Swiching Early – Select larger companies give a discount for buying a new policy before your current coverage expires. You could save around 10% when you buy car insurance online.
• Passive Restraints – Cars that have air bags or motorized seat belts may qualify for discounts up to 30%.
• E-sign Discounts
• Multiple Policy Discount – If you have multiple policies with one company you could save approximately 10% to 15%.
• Seat Belt Discounts – Drivers who require all occupants to use their safety belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Professional Organizations – Participating in a civic or occupational organization can get you a small discount on auto insurance.
• Anti-lock Brakes – Vehicles that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.

Don’t be surprised that some credits don’t apply the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

A partial list of companies that may include some of the discounts shown above include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

When getting a coverage quote, ask all the companies to apply every possible discount. Some credits might not be available to policyholders everywhere.

What insurance coverages do I need?

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Every situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

• Why do I only qualify for high-risk insurance?
• How much liability coverage do I need in my state?
• Is extra glass coverage worth it?
• Do I pay less if my vehicle is kept in my garage?
• Should I have a commercial auto policy?
• Do I need roadside assistance coverage?
• Does coverage extend to my business vehicle?
• When should my teen driver be added to my policy?
• Can I rate high risk drivers on liability-only vehicles?
• At what point should I drop full coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverages and their meanings

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, damage from a tornado or hurricane, damage from getting keyed and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses like X-ray expenses, surgery, ambulance fees and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage pays for damage to your Outback resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, sustaining damage from a pot hole, rolling your car, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Liability auto insurance

This can cover damage or injury you incur to other people or property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to 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 number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, loss of income and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Feed the piggy bank

You just read some good ideas how you can reduce 2012 Subaru Outback insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising. Regional companies often have lower rates on specific markets than their larger competitors like State Farm, Geico and Nationwide.

Cheaper 2012 Subaru Outback insurance is attainable both online and from local agencies, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide online rate quotes and usually these small insurance companies sell through independent insurance agents.

For more information, feel free to browse these articles:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)