View 2015 Subaru Outback Insurance Rates

Finding discount car insurance over the internet might seem impossible for drivers that are relatively new to comparison shopping on the internet. With more and more insurance companies available, how are drivers able to have the ability to compare all the different companies and get lower car insurance premiums?

Buying car insurance is not rocket science. If you have car insurance now, you will be able to save some money using these tips. But vehicle owners need to learn how insurance companies determine prices and use this information to your advantage.

How to get free insurance quotes online

There are several ways you can shop for insurance but one way is more efficient than others. You can waste a few hours (or days) talking to agents in your area, or you can utilize online quoting for quick rates.

Many of the larger companies participate in an industry program where insurance shoppers submit their information once, and at least one company returns a rated price for coverage. This eliminates the need for quote requests to each company.

To access this free quoting program, click here to start a free quote.

The only downside to using this type of form is buyers cannot specifically choose which insurance companies you want to price. If you prefer to choose specific providers to compare, we have a listing of insurance companies in your area. Click here to view list.

Which method you use is up to you, but double check that you are using identical information for each price quote. If you enter different coverage information it will be very difficult to determine the lowest rate for your Subaru Outback. Slightly different insurance coverages or limits can make a big difference in price. And when comparing insurance rates, know that obtaining a wide range of quotes will increase your chances of finding more affordable insurance.

Lower your insurance prices

The best way to find cheaper insurance is to take a look at a few of the rating criteria that go into determining the rates you pay for insurance. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that may reward you with cheaper rates.

The items below are some of the major factors used by insurance companies to determine prices.

  • You might pay higher costs if you are single – Having a significant other can get you a discount on insurance. Having a spouse usually means you are more mature than a single person and statistics prove married couples file fewer claims.
  • Don’t skimp on liability protection – Your insurance policy’s liability coverage provides coverage when you are responsible for an accident. It provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
  • Only buy incidental coverages you need – Insurance companies have many additional coverages that can waste your money if you aren’t careful. Things like rental car reimbursement, towing coverage, and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your money might be better spent on other coverage so consider taking them off your policy.
  • When should you file a insurance claims? – Companies provide cheaper rates to people who file claims infrequently. If you’re an insured who likes to file claims you can expect either policy cancellation or increased premiums. Your car insurance is meant to be used in the event of larger claims.
  • Cheaper rates using alarms and GPS tracking – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • Safer vehicles are cheaper to insure – Safe vehicles tend to be cheaper to insure. Vehicles engineered for safety reduce occupant injuries and reduced instances of injuries means your insurance company pays less and cheaper rates on your policy.

Take policy discounts and save

Auto insurance is not cheap nor is it fun to buy but you might be missing out on some discounts to cut the cost considerably. Many discounts should be triggered at quote time, but some may not be applied and must be specifically requested before being credited. If you aren’t receiving every discount you deserve, you could be saving more on your auto insurance.

  • Discount for Home Ownership – Owning your own home or condo can earn you a little savings because maintaining a house demonstrates responsibility.
  • Good Grades Discount – A discount for being a good student can save 20 to 25%. Most companies allow this discount until age 25.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because new vehicles keep occupants safer.
  • Early Renewal Discounts – A few companies give discounts for switching to them before your current coverage expires. The savings is around 10%.
  • 55 and Retired – Drivers over the age of 55 may qualify for better auto insurance rates on Outback insurance.
  • Clubs and Organizations – Joining qualifying employment or professional organizations could trigger savings on auto insurance.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts may get savings up to 30%.

Keep in mind that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, nobody gets a free ride. But all discounts will definitely reduce the cost of coverage.

A list of companies and their offered discounts can be found below.

  • State Farm offers premium reductions for Drive Safe & Save, anti-theft, defensive driving training, good driver, and multiple policy.
  • Farmers Insurance has savings for electronic funds transfer, business and professional, distant student, good student, pay in full, and youthful driver.
  • Progressive has discounts for multi-policy, multi-vehicle, online quote discount, good student, homeowner, online signing, and continuous coverage.
  • GEICO discounts include defensive driver, military active duty, air bags, membership and employees, and multi-vehicle.
  • Auto-Owners Insurance offers discounts for paperless, good student, multi-policy, air bags, multiple vehicles, safe driver, and mature driver.
  • The Hartford may include discounts for air bag, defensive driver, anti-theft, vehicle fuel type, bundle, driver training, and good student.
  • Farm Bureau includes discounts for driver training, good student, 55 and retired, safe driver, multi-policy, and renewal discount.
  • USAA may offer discounts for military installation, loyalty savings, annual mileage, defensive driver, multi-vehicle, vehicle storage, and new vehicle.

Before buying, ask all companies you are considering how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in your area. For a list of companies who offer auto insurance discounts, click this link.

Which policy gives me the best coverage?

When choosing the right insurance coverage, there really is not a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • Do I have coverage if my license is suspended?
  • Is a fancy paint job covered?
  • Which is better, split liability limits or combined limits?
  • What is the difference between comprehensive and collision coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Does my car insurance cover rental cars?
  • Are rental cars covered under my policy?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Learn about insurance coverages for a Subaru Outback

Having a good grasp of your insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance covers damage to your Outback resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, chiropractic care, doctor visits and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Subaru Outback.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for liability

This provides protection from damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like loss of income, structural damage, legal defense fees and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like theft, hitting a bird, a broken windshield, vandalism and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Better coverage you can count on

Some companies may not have online rate quotes and many times these regional insurance providers only sell through independent agencies. Budget-conscious 2015 Subaru Outback insurance can be purchased online as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money.

We just showed you a lot of information how to reduce 2015 Subaru Outback insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable auto insurance. Drivers may discover the best price on car insurance is with a small local company.

Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, high prices and even lack of trust in their agent. Regardless of your reason, choosing a new company is easier than you think.

More learning opportunities

Comments About 2015 Subaru Outback Insurance

  1. Tamisha West

    If you have a clean record and live around Charlotte, NC, check out State Farm. I saved quite a bit. Insured with Progressive before. I’m a pretty good driver though. It was easy to get rates.

  2. Jadwiga Barber

    Proud to be from Dover, DE. Not sure of all the companies but I ended up saving about $50 each month. BTW speeding tickets are not good. I got prices on the web.

  3. Justin Hardy

    Not sure what I should be paying. Proud to be from Rockford, Illinois. I compared lots of rates. Saved roughly $40 a month. Allstate was the best choice for me.

  4. Elda Griffin

    I compared a lot of rate quotes for a 2015 Subaru Outback in Great Falls, MT. Ended up at right around $240 every six months with Amica. I have kids on my policy, too.

  5. Faviola Castro

    Does Progressive offer multi-policy discounts?

  6. Sherie Hale

    Live in the northern part of North Charleston, South Carolina. I quoted with State Farm, American Family, and some I forget for my Subaru and saved just over $420 a year. Was with 21st Century. A clean driving record helps. Online quotes are the way to go.

  7. Tommie Barnett

    I found cheap 2015 Subaru Outback insurance in Reno, Nevada with Progressive.

  8. Gonzalo Benjamin

    Lots of useful info here. From a town just southwest of Overland Park, Kansas. Received quotes with Hanover, American Family, Mercury, and a couple others for my Subaru and I think I saved around $40 each month.

  9. Kendrick Faulkner

    I think I’m paying too much. I’m in the east part of Burlington, VT. I compared lots of rates. Saved right around $60 a month. 21st Century was the cheapest option for me.

  10. Pearlie Bass

    Cheaper car insurance is a myth. I live in a small town just outside of Las Vegas, NV. Quoted prices from AAA, Encompass, and MetLife for my Outback and I think I saved around $60 each month. Moved home policy as well.