Lower Your 2018 Subaru Outback Insurance Rates

Did you make the mistake of buying an expensive auto insurance policy? Say no more because many drivers feel the same as you.

Due to the large number of options when it comes to auto insurance, it can be diffult for drivers to choose a more affordable company.

Finding the best rates is not that difficult. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Nevertheless, drivers must understand how big insurance companies determine prices and apply this information to your search.

Where can I get affordable auto insurance?

All major auto insurance companies allow consumers to get coverage price quotes online. This process is possible for anyone because you just enter on the page. After the form is submitted, the company’s rating system collects your credit score and driving record and quotes a price determined by many factors. Being able to quote online makes it easy to compare insurance prices but the work required to visit multiple sites and type in the same data gets old quite quickly. Unfortunately, it is important to perform this step in order to get better prices.

The smarter way to get multiple rate quotes utilizes a single form that gets prices from a lot of companies. It saves time, eliminates form submissions, and makes comparison shopping much simpler. Immediately after you send the form, it is rated with multiple companies and you can pick any of the quote results. If a lower price is quoted, you simply finish the application and buy the policy. This process just takes a couple of minutes and may save quite a bit of money.

In order to compare pricing, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you enter coverages and limits identical to your current policy. Doing this guarantees you will be getting a price comparison based on similar coverages.

Pay discount rates with these discounts

Some providers do not list their entire list of discounts in a way that’s easy to find, so the list below details both well-publicized in addition to some of the lesser obvious insurance savings.

  • Government Employees – Simply working for the federal government could qualify for a slight premium decrease on Outback insurance depending on your insurance provider.
  • Active Military Service – Being deployed in the military could trigger a small discount.
  • Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
  • Student in College – Older children who are enrolled in a college that is more than 100 miles from home and don’t have a car could qualify for this discount.
  • Bundle and Save – When you combine your home and auto insurance and insure them both with the same insurance company you could get a discount of at least 10% off all policies.
  • Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
  • Discounts for Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.

Discounts reduce rates, but you should keep in mind that many deductions do not apply the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.

Large insurance companies and their offered discounts are included below.

  • The Hartford includes discounts for driver training, bundle, air bag, anti-theft, defensive driver, good student, and vehicle fuel type.
  • American Family offers premium reductions for mySafetyValet, Steer into Savings, good student, accident-free, and air bags.
  • Progressive policyholders can earn discounts including online signing, multi-policy, multi-vehicle, online quote discount, homeowner, and good student.
  • Travelers may have discounts that include early quote, continuous insurance, good student, home ownership, student away at school, and multi-policy.
  • Farmers Insurance discounts include bundle discounts, switch companies, multi-car, teen driver, youthful driver, homeowner, and early shopping.
  • USAA has savings for safe driver, loyalty savings, new vehicle, good student, military installation, driver training, and multi-policy.
  • Liberty Mutual offers discounts including safety features, newly married, multi-car, new graduate, teen driver discount, and exclusive group savings.

When comparing rates, check with every prospective company which discounts you may be entitled to. A few discounts may not apply to policyholders in your area. To view companies who offer discounts, follow this link.

How insurance providers determine Subaru Outback insurance rates

Lots of factors are used in the calculation when pricing auto insurance. A few of the factors are predictable such as traffic violations, but others are less apparent like where you live or how safe your car is.Part of the insurance coverage buying process is learning the different types of things that help determine the level of your policy premiums. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that can earn you big savings.

  • Do you really need roadside assistance? – There are a ton of extra bells and whistles you can purchase when buying insurance coverage. Coverage for things like rental car reimbursement, better glass coverage, and term life insurance may be wasting your money. They may seem good when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.
  • Age of drivers – More experienced drivers are more cautious drivers, cause fewer claims and accidents and receive fewer citations.Drivers with little experience are known to be more careless when driving so they pay higher insurance coverage rates.
  • Always have insurance coverage – Not maintaining insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
  • Your vocation is a factor – Careers like military personnel, executives and accountants have higher average rates attributed to job stress and extremely grueling work hours. On the flip side, jobs like actors, students and homemakers pay the least on Outback insurance.
  • Pay less with a high crash test rating – Safe vehicles tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims which can mean better rates for you. If your Subaru Outback scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Defend yourself with liability – The liability section of your policy will protect you in the event that you are found liable for personal injury or accident damage. Liability insurance provides legal defense to defend your case. Liability insurance is pretty cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

Your situation helps dictate your coverage

When buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine whether you might need professional guidance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is the rate difference between pleasure use and commuting?
  • Can I afford low physical damage deductibles?
  • Where can I find high-risk insurance?
  • Does coverage extend to Mexico or Canada?
  • Why am I required to get a high-risk car insurance policy?
  • Is my cargo covered for damage or theft?
  • What can I do if my company denied a claim?
  • When should my teen driver be added to my policy?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Truth in car insurance advertising

GEICO, State Farm and Progressive regularly use ads on TV and radio. All the ads advertise the message that drivers can save some big amount just by switching your coverage to them. How can each company make almost identical claims? It’s all in the wording.

Companies have specific guidelines for the type of insured that earns them the highest profit. For instance, this type of driver might be described as between the ages of 40 and 55, owns their home, and drives less than 10,000 miles a year. Any customer that hits that “sweet spot” receive the lowest rate quotes and therefore will save quite a bit of money when switching.

People who do not match the “perfect” profile will be quoted higher rates which results in the prospect going elsewhere. The ad wording is “customers who switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can make it sound like they have such great premium rates. Different companies use different criteria so it is so important to compare as many free auto insurance quotes as you can. It is impossible to guess which company will fit you best based on your risk profile.

The coverage is in the details

Understanding the coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverage types offered by auto insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, vandalism, fire damage, damage from getting keyed and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance – This can cover damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like pain and suffering, funeral expenses, court costs, bail bonds and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like funeral costs, ambulance fees, X-ray expenses, EMT expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 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. So UM/UIM coverage should not be overlooked.

Collision coverages – Collision coverage will pay to fix damage to your Outback resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Final thoughts

You just learned many ideas to compare 2018 Subaru Outback insurance premium rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may discover the best premium rates are with a small mutual company. Regional companies may only write in your state and offer lower prices than the large multi-state companies such as Progressive and GEICO.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped collision coverage only to find out that it was a big mistake. Your goal is to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

Additional information is located at the links below

Comments About 2018 Subaru Outback Insurance

  1. Delmy Rocha

    I’ve insured with Allstate for a long time. Pretty cheap in Huntington, WV.

  2. Sherrill Campbell

    Quoted with Mercury for my 2018 Subaru Outback and cut my rates about $510 a year. Switched homeowners coverage too. They were helpful in switching over.