View 2014 Subaru Outback Car Insurance Quotes

Looking for better car insurance rates for your Subaru Outback? Overpriced car insurance can eat up your monthly budget and put a big crunch on your finances. Performing a rate comparison is a fast and free way to lower your monthly bill.

Because there are so many insurance providers from which to choose, it is hard for the average consumer to pick a lower cost car insurance provider.

How to buy auto insurance

To find the best auto insurance rates, there are several ways of comparing rates from many different insurance companies. The fastest way to find cheaper 2014 Subaru Outback rates involves getting comparison quotes online. This can be accomplished in several different ways.

  1. If you’re in a hurry, the quickest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do separate quotes for every auto insurance company. Completing one form will return quotes from many national carriers.
  2. A harder way to find lower rates is to take the time to go to the website of each company to request a price quote. For sake of this example, we’ll pretend you want to see prices from Auto-Owners, GEICO and GMAC. To get each rate you have to spend time on each company’s site and repeatedly enter your information, which can get rather old. For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you use exactly the same quote data for every company. If you compare unequal deductibles or liability limits it’s impossible to truly determine the lowest rate. Even a minor difference in limits can mean a large discrepancy in price. Keep in mind that comparing a wide range of rates will increase your chances of finding lower pricing. Not every company allows you to get online rate quotes, so it’s important to compare rates on coverage from those companies, too.

Cheaper insurance rates with discounts

Auto insurance companies do not advertise every possible discount in a way that’s easy to find, so the list below details some of the more common as well as some of the hidden discounts that you may qualify for. If you are not receiving all the discounts possible, you are paying more than you should be.

  • Memberships – Affiliation with certain professional organizations could earn you a nice discount when getting a insurance coverage quote.
  • Discounts for Federal Employees – Active or former government employment could cut as much as 10% off on Outback coverage with some insurance companies.
  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Telematics Devices – Policyholders that allow their insurance company to scrutinize where and when they drive by using a telematics device in their vehicle like Allstate’s Drivewise might get better premium rates as long as the data is positive.
  • Drive Less and Save – Driving fewer miles may allow you to get slightly better prices than normal.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.

Don’t be surprised that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, it doesn’t quite work that way.

Popular insurance companies and some of the premium reductions they offer are included below.

  • State Farm policyholders can earn discounts including multiple autos, safe vehicle, Drive Safe & Save, student away at school, Steer Clear safe driver discount, and good driver.
  • Progressive has discounts for continuous coverage, online quote discount, multi-policy, homeowner, multi-vehicle, and good student.
  • Travelers offers discounts including payment discounts, new car, early quote, good student, home ownership, hybrid/electric vehicle, and student away at school.
  • American Family discounts include early bird, defensive driver, good student, multi-vehicle, TimeAway discount, accident-free, and bundled insurance.
  • Liberty Mutual offers premium reductions for teen driver discount, new graduate, newly retired, good student, and preferred payment discount.

If you are trying to find cheaper insurance coverage quotes, ask every prospective company which credits you are entitled to. Some discounts may not be available in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining whether you might need professional guidance.

  • Are my friends covered when driving my car?
  • Am I covered if my car is in a flood?
  • Should I bundle my homeowners policy with my auto?
  • Is my camper covered by my car insurance policy?
  • When can I cancel my policy?
  • Do I need motorclub coverage?
  • Can my babysitter drive my car?
  • How can I force my company to pay a claim?
  • Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Get Subaru Outback insurance for less

One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that help determine your insurance coverage rates. If you know what determines premiums, this allows you to make educated decisions that could help you find lower insurance coverage prices. Lots of things are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other criteria are more transparent like your vehicle usage or how safe your car is.

The items below are some of the most rate-impacting factors used by companies to determine your prices.

  • How many coverages with the same company – Most insurance coverage companies allow better rates to clients that have more than one policy, otherwise known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to check prices from other companies to ensure the best deal.
  • Higher rates for demanding vocations – Occupational choices like military generalsair traffic controllers and medical professionals are shown to have higher premium rates because of high stress and long work days. On the other hand, occupations like scientists, engineers and retirees have the lowest average rates on Outback coverage.
  • Males pay higher premiums – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Both sexes are responsible for auto accidents in similar percentages, but males tend to have more serious accidents. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI).
  • Liability protection limits are a factor – The liability coverage on your policy will afford coverage when a jury decides you are liable for damages caused by your negligence. Your liability coverage provides you with a defense in court up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Drive fewer miles and save – The more miles you rack up on your Subaru each year the more it will cost to insure it. Most insurance companies price each vehicle’s coverage based on their usage. Cars and trucks that do not get driven very much receive better premium rates than those that get driven frequently. It’s a smart idea to ensure your insurance coverage declarations sheet is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect rating for your Outback may be costing you higher rates.
  • You might want pay the small insurance claims yourself – If you are the type of insured that files lots of claims you can expect higher rates. Car insurance companies provide discounts to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for claims that pose a financial burden.
  • Deter theft and reduce rates – Choosing to buy a car with advanced anti-theft systems can help lower your premiums. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your car from being stolen.
  • Choose high safety ratings and save – Safe vehicles can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and lower injury rates translates into savings for insurance companies and cheaper rates on your policy. If your Subaru has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Don’t be fooled by advertising claims

Popular car insurance providers such as Progressive, Allstate and GEICO seem to constantly run television, radio, and online ads. They all seem to make an identical promise about how much you will save if you change your coverage. How is it possible that every company can say the same thing? Just pay attention to how they say it.

Most companies are able to cherry pick for the type of driver they prefer to insure. One example of a profitable risk profile might be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. A driver who fits those characteristics is entitled to the best price and will save if they switch.

Insureds who may not quite match those standards will be quoted higher prices and this results in the customer not purchasing. The trick companies use is to say “customers who switch” not “everybody who quotes” save that much when switching. That’s why insurance companies can confidently advertise the way they do.

That is why it’s extremely important to compare many company’s auto insurance rates. It’s just not possible to know which insurance companies will fit your personal profile best.

Coverages available on your policy

Having a good grasp of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, vandalism, a tree branch falling on your vehicle, theft and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, repair bills for other people’s vehicles, repair costs for stationary objects, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills like chiropractic care, rehabilitation expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for collisions

Collision insurance will pay to fix damage to your Outback from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Subaru Outback.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Make a quick buck

We’ve covered some good ideas how you can get a better price on 2014 Subaru Outback insurance. The key thing to remember is the more times you quote, the better your chances of lowering your prices. You may be surprised to find that the biggest savings come from some of the lesser-known companies. Regional companies can often provide lower prices in certain areas than their larger competitors like State Farm or Progressive.

Affordable 2014 Subaru Outback insurance can be found from both online companies and from local insurance agents, so you need to quote insurance coverage with both to have the best rate selection. Some companies may not provide online quoting and most of the time these small, regional companies prefer to sell through independent insurance agents.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage for the lowest price.

More tips and info about car insurance can be found in these articles:

Comments About 2014 Subaru Outback Insurance

  1. Virgie Swanson

    Where is cheaper car insurance? I live north of Allentown, PA. Quoted with 21st Century, American Family, Encompass, and Hartford for my 2014 Subaru Outback and am saving around $530 a year. I have a couple other vehicles on the policy. I recommend comparing lots of rates.

  2. Tanya Baker

    For me, Allstate was by far the cheapest in Cranston, RI.

  3. Jamie Coffey

    Found cheapest coverage with State Farm for my Subaru and am saving around $340 a year. Was with Eastwood. Not sure if rates are cheaper online or through an agent.

  4. Brendon Stafford

    Not sure if this is cheap. Quoted with Liberty Mutual for my Outback and cut my rates about $530 a year.

  5. Nenita Webster

    This is too expensive. Proud to be from Shreveport, Louisiana. I got free quotes with AIG Insurance, Mercury, and a few others for my 2014 Subaru Outback and saved $382 a year. Not sure if rates are cheaper online or not.

  6. Marie Gordon

    Located in Wilmington, Delaware. I don’t recall every quote but I ended up saving about $70 each month.

  7. Georgianne Berg

    I compared a lot of rate quotes for a 2014 Subaru Outback in Kansas City, Missouri. Ended up at roughly $420 every six months with Amica. Insured with USAA before. I get multi-vehicle and multi-policy discounts. They have free quotes online.

  8. Mathilde Doyle

    Any GEICO or Esurance customers near Chesapeake, Virginia?

  9. Annmarie Hahn

    Just a quick comment on my experience. From Tampa, FL. Quoted prices from Sentry, Esurance, 21st Century, and AIG Insurance for my Subaru and am saving around $110 a year. Good savings if you bundle. :P

  10. Lynnette Cobb

    Does Arizona require me to have car insurance?

  11. Pennie Waller

    Affordable car insurance is a myth. Located in Wichita, Kansas. Don’t remember every company but I ended up saving about $50 each month. I have several vehicles insured with them.

  12. Loria Ortiz

    Lots of good stuff here. Quoted with Esurance for my Outback and cut my rates about $420 a year. Was with Allstate.

  13. Leta Slater

    Here’s my info. Live in Huntington, WV. I got free prices from State Farm, American Family, Farmers, and Hanover for my Subaru and saved about $540 a year. I even had a DUI years ago. I quoted rates online then called them.

  14. Malorie Wolfe

    Are Allstate or Allstate rates cheaper in Indiana?

  15. Devin Morales

    It’s all a rip off. From a town just southwest of Fargo, North Dakota. Received quotes with State Farm, AAA, and Encompass for my 2014 Subaru Outback and saved $496 a year. Thankfully I’m not a high risk driver. Might find lower rates online.

  16. Avery Dejesus

    Checking in from Gulfport, Mississippi. Got car insurance prices from Amica, Nationwide, and a few others for my Subaru and I think I am saving around $30 each month.