2017 Subaru Outback Car Insurance Quotes – 5 Tricks for Best Rates

Locating low-cost insurance for your Subaru Outback can be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the absolute fastest way to compare rates for a new or used Subaru and find the lowest price.

It’s a good idea to take a look at other company’s rates on a regular basis since prices change quite often. If you had the lowest rates for Outback coverage two years ago a different company probably has better rate quotes today. Forget all the misinformation about insurance coverage because you’re about to find out one of the quickest ways to get good coverage at a lower rate.

If you have a current car insurance policy or are shopping for new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. Buying more affordable coverage can be fairly easy. Vehicle owners just need to understand the most effective way to compare rates online.

Cheap insurance coverage price quotes online

Finding a lower price on 2017 Subaru Outback insurance is pretty simple and can save money. The only requirement is to take a few minutes comparing price quotes from some recommended companies. Rate comparisons can be done by following the guidelines below.

  • If you’re in a hurry, the quickest way to get quotes for comparison is a comparison rater form click here to open form in new window. This method keeps you from doing separate quotation requests for every insurance coverage company. A single, simple form gets you coverage quotes instantly.It’s the quickest way to get rates.
  • A less efficient way to analyze rates is to take the time to go to each individual company website and fill out their own quote form. For examples sake, we’ll pretend you want rates from Allstate, Safeco and GEICO. You would be required to go to every website to input your insurance information, which can be really labor intensive. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare nearly identical coverage data for each price quote. If you enter different limits and deductibles on each one it’s not possible to determine the best price for your Subaru Outback.

Misconceptions in car insurance advertisements

Consumers get pounded daily by advertisements for car insurance savings by Progressive, Allstate and GEICO. They all seem to make the point of big savings just by switching to them.

How does every car insurance company make almost identical claims?

Car insurance companies give the cheapest rates for the right customer that will add to their bottom line. An example of a preferred risk could be between the ages of 30 and 45, has a low-risk occupation, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will most likely get cheap rates and is almost guaranteed to save a lot if they switch.

Consumers who are not a match for this ideal profile will be charged a higher premium which leads to business going elsewhere. The trick is to say “people who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently make it sound like they have such great premium rates.

Because of these techniques, drivers must get car insurance quotes from several different companies. Because without a comparison, you cannot know with any certainty which company will have the lowest rate quotes.

Reduce your auto insurance rates with these five discounts

Auto insurance companies don’t always advertise all their discounts in a way that’s easy to find, so the following list contains some of the best known and the harder-to-find credits available to you.

  • Resident Student – College-age children who attend college more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Good Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Outback coverage as compared to drivers with claims.
  • Telematics Discount – Drivers who agree to allow driving data collection to study driving manner by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as the data is positive.
  • Accident Waiver – Not necessarily a discount, but some insurance companies allow you one accident without the usual rate increase if your claims history is clear for a set time period.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Outback coverage with some auto insurance companies.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as medical payments or collision. Despite the fact that it seems like you could get a free auto insurance policy, you won’t be that lucky.

A partial list of companies that possibly offer these money-saving discounts include:

Before purchasing a policy, check with all the companies which discounts you may be entitled to. A few discounts may not apply to policies in your state. To find auto insurance companies who offer cheap auto insurance quotes, follow this link.

You are unique and your insurance coverage should be too

When it comes to buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions can help discover whether or not you might need an agent’s assistance.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Which companies will insure high-risk drivers?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I still get insurance after a DUI?
  • Will I lose any money if I cancel my policy before it expires?
  • What are the financial responsibility laws in my state?
  • Why is insurance for a teen driver so high?
  • Is my dog or cat covered if injured in an accident?
  • What if I owe more than I can insure my car for?
  • Is my 2017 Subaru Outback covered for flood damage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a 2017 Subaru Outback

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses like funeral costs, prosthetic devices, X-ray expenses, hospital visits and pain medications. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2017 Subaru Outback.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, hail damage, falling objects and a broken windshield. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage pays for damage to your Outback resulting from colliding 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 coverage protects against things like scraping a guard rail, colliding with a tree, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Liability

This coverage will cover injuries or damage you cause to other people or property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means 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 limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, court costs, funeral expenses and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Shop smart and save

Insureds who switch companies do it for any number of reasons including poor customer service, extreme rates for teen drivers, an unsatisfactory settlement offer or even delays in responding to claim requests. Regardless of your reason, finding a new insurance company is less work than it seems.

Low-cost 2017 Subaru Outback insurance can be purchased online and with local insurance agents, so get free car insurance quotes from both of them to have the best rate selection. Some companies may not provide price quotes online and these regional carriers only sell coverage through independent agents.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are many occasions where drivers have reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best cost.

More tips and info about insurance can be read by following these links:

Comments About 2017 Subaru Outback Insurance

  1. Gillian Hale

    I got quite a few price quotes for a 2017 Subaru Outback in Fort Wayne, IN. Ended up at roughly $360 every six months with Amica. It never hurts to quote around.

  2. Rudy Velazquez

    Located in Cedar Rapids, IA. Got prices from AAA, Mercury, and Western Auto Insurance for my Outback and saved just over $110 a year. Insured with AIG Insurance before. I get lower rates because of my clean driving record.

  3. Dreama Barr

    Got a quote with Auto-Owners for my 2017 Subaru Outback and saved about $140 a year. Was with Nationwide. I quoted rates online then called them.

  4. Javier Rollins

    I compared a lot of rate quotes for a 2017 Subaru Outback in Bismarck, North Dakota. Ended up at roughly $200 every six months with AAA. Left Allstate to switch. A clean driving record helps. It’s still not cheap enough.

  5. Garnet Pierce

    Is GEICO or State Farm cheaper in Charleston, South Carolina?

  6. Hyon Nolan

    I’ve had Allstate for years. I’m in Idaho Falls, ID.

  7. Allena Newman

    I live north of Colorado Springs, CO. Got car insurance prices from Amica, Safeco, and some smaller one I can’t remember the name of for my Outback and am saving around $500 a year. Ask about discounts. :P

  8. Jarrett Knapp

    Does State Farm use ACV or replacement cost?

  9. Lisa Preston

    I live just to the east of Minneapolis, MN. I quoted with The General, AIG Insurance, MetLife, and a couple others for my 2017 Subaru Outback and saved $279 a year. Was with Farmers. I used their online quote form to compare rates.

  10. Tracie Collins

    I’m in the suburbs of Fort Wayne, Indiana. Can’t remember who all I quoted but I ended up saving about $60 each month. Insured with Auto-Owners before. Even increased my liability limits. It’s still not cheap enough.

  11. Halina Reed

    Proud to be from Aurora, IL, and 21st Century rates were best. Was with Sentry.

  12. Talia Chen

    I’m in Charleston, SC, and State Farm rates were affordable. Was with Amica. :P

  13. Dawn England

    Anyone compare GEICO and Allstate rates in Kansas City, KS?

  14. Ella Bell

    What are minimum liability limits required in Alaska?