2013 Subaru Outback Car Insurance Quotes

Searching for better insurance rates for your Subaru Outback? Being forced to pay for expensive insurance premiums can take a big chunk out of your personal savings and force you to make tough financial choices. Comparing rate quotes is a smart way to tighten up your finances.

Vehicle owners have so many insurance companies to choose from, and although it’s nice to have a choice, it can be more challenging to find the best rates.

Auto insurance discounts help lower rates

Auto insurance is neither fun to buy or cheap, but you can get discounts that you may not even know about. Certain reductions will be credited when you quote, but a few must be asked about before they will apply.

  • Seat Belt Discounts – Requiring all passengers to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy auto and life insurance together.
  • Driving Data Discount – Insureds who allow their company to analyze vehicle usage remotely such as Progressive’s Snapshot may get a rate reduction as long as the data is positive.
  • Distant College Student Discount – Children who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
  • Organization Discounts – Participating in a civic or occupational organization could trigger savings on your next auto insurance statement.
  • Multi-car Discount – Buying a policy with more than one vehicle on one policy can get a discount for every vehicle.
  • Passive Restraints – Cars that have air bags or motorized seat belts could see savings of 20 to 30 percent.
  • Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount until age 25.

While discounts sound great, it’s important to understand that most credits do not apply the the whole policy. Most cut individual premiums such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But all discounts will lower the amount you have to pay.

A list of companies and their possible discounts include:

  • American Family offers premium reductions for accident-free, early bird, good driver, good student, Steer into Savings, defensive driver, and air bags.
  • Nationwide may include discounts for business or organization, Farm Bureau membership, defensive driving, accident-free, and good student.
  • MetLife offers discounts for accident-free, good driver, multi-policy, defensive driver, claim-free, and good student.
  • 21st Century includes discounts for teen driver, driver training, good student, automatic seat belts, and defensive driver.
  • Farmers Insurance offers discounts including youthful driver, bundle discounts, distant student, alternative fuel, mature driver, electronic funds transfer, and multi-car.
  • Allstate may offer discounts for teenSMART discount, anti-theft, senior citizen, good payer, 55 and retired, passive restraint, and anti-lock brakes.

Before purchasing a policy, check with every insurance company to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your area. For a list of companies that offer some of these discounts, click here to view.

Which is the best auto insurance?

When buying the best auto insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • Do I have coverage if my license is suspended?
  • Do I need PIP coverage since I have good health insurance?
  • Does coverage extend to my business vehicle?
  • Why do I only qualify for high-risk insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Is there coverage for injuries to my pets?
  • How can I get high-risk coverage after a DUI?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Why you might not save $490 a year

Consumers get pounded daily by advertisements that claim the cheapest car insurance rates by companies like GEICO, State Farm and Progressive. All the companies convey the message about savings if you change your coverage to them.

Is it even possible that every company can charge less that you’re paying now? This is the way they can do it.

Different companies quote their cheapest rates for the driver that earns them a profit. For instance, a preferred risk might have to be a female over age 40, carries high limits, and does not commute to work. Anyone who matches that profile will get a cheap rate quote as well as cut their rates substantially.

Drivers who do not fit the ideal profile will be quoted more expensive rates and business not being written. Company advertisements say “people that switch” but not “all drivers who get quotes” save that much money. That’s why insurance companies can confidently make those claims.

Each company has different criteria, so you need to compare price quotes frequently. It’s impossible to know which company will provide the lowest prices.

Coverages available on your policy

Knowing the specifics of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Liability coverages

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, emergency aid, repair bills for other people’s vehicles, funeral expenses and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for things like chiropractic care, doctor visits, EMT expenses, prosthetic devices and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, rock chips in glass and fire damage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your 2013 Subaru Outback.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Have money to burn

Lower-priced 2013 Subaru Outback insurance can be sourced from both online companies and from local agencies, so you need to quote insurance coverage with both to have the best rate selection. Some insurance companies may not provide rate quotes online and usually these smaller companies prefer to sell through independent agencies.

When you buy insurance coverage online, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. The goal is to get the best coverage possible for the lowest cost, not the least amount of coverage.

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Comments About 2013 Subaru Outback Insurance

  1. Leeanna Barlow

    From north side of Cincinnati, OH. Can’t remember who all I quoted but I ended up saving about $50 each month.

  2. Olive Decker

    I found pretty cheap rate quotes for a 2013 Subaru Outback in Boise, ID. Ended up at about $370 every six months with AIG Insurance. Left Mercury to switch. LOL

  3. Darren Berger

    Enjoyed the article. Checking in from Jersey City, NJ. Went online for free insurance quotes for a 2013 Subaru Outback. Ended up at about $320 savings annually. Went with 21st Century. Insured with American Family before. Wish I didn’t have to insure at all.

  4. Malcolm Callahan

    From Augusta, GA. Got free quotes online for a 2013 Subaru Outback. Ended up at about $130 savings annually. Went with Progressive. BTW speeding tickets are not good.

  5. Charis Beard

    If you don’t have tickets and live near Oklahoma City, OK, check out 21st Century. They seem to be cheaper. Just waiting to see how claims go.

  6. Tamika Byers

    I live in Colorado Springs, CO. Quoted with AAA, Safeco, and a few others for my 2013 Subaru Outback and I’m now saving $26 a month. Good multi-policy discounts.

  7. Brenda Hewitt

    If you have a good history and are close to Lewiston, ME, check out Allstate. They seem to be cheaper. I used their website to get prices.

  8. Tory Cooley

    I live just outside Chesapeake, VA. Can’t remember who all I quoted but I ended up saving about $30 each month. I have kids on my policy, too. Just waiting to see how claims go.

  9. Harriett Downs

    Nice info. Located in Wichita, KS. Quoted quotes from GEICO, Amica, and some I forget for my Subaru and I’m now saving $63 a month. Was with GMAC.

  10. Andria Lewis

    I live just to the east of Chicago, IL. Checked online prices for a 2013 Subaru Outback. Ended up at about $170 savings annually. Went with Progressive. Have a couple speeding tickets too.

  11. Brynn Woods

    I compared a lot of rate quotes for a 2013 Subaru Outback in Rapid City, SD. Ended up at darn near $150 every six months with AAA. I’m a pretty low risk driver. They have free quotes online.

  12. Mitch Barry

    From San Jose, CA. Received rates from Allstate, Esurance, and GMAC for my Subaru and saved $372 a year. Not sure about claim service.

  13. Kasha Fischer

    From Phoenix, AZ. Got free quotes online for a 2013 Subaru Outback. Ended up at about $150 savings annually. Went with 21st Century. Switched homeowners coverage too.

  14. Chun Serrano

    If you’re a decent driver and live near Oklahoma City, OK, check out State Farm. I saved quite a bit. I have kids on my policy, too.