Lower Your 2001 Subaru Outback Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 7, 2021

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Are you confused by the crazy number of auto insurance choices? You’re not alone. Drivers have so many options that it can be a real challenge to find the perfect company for you.

It’s a good habit to price shop coverage once or twice a year because rates change quite often. If you had the lowest rates on Outback coverage a couple years back the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out the fastest and easiest way to find great coverage at a great price.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Finding affordable car insurance coverage is easy if you know what you’re doing. But consumers need to have an understanding of the way companies determine prices because it can help you find the best coverage.

Subaru Outback insurance rates consist of many parts

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations like judges, architects and stock brokers tend to have the highest rates attributed to stressful work requirements and long work hours. On the other hand, professions such as actors, students and performers receive lower rates on Outback coverage.
  • Careful drivers pay lower rates – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Only having one moving violation can bump up the cost forty percent or more. Drivers with dangerous tickets such as DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Consolidate policies to earn discounts – Most auto insurance companies provide better rates to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare rates to confirm you are receiving the best rates possible.
  • Proper usage rating affects rates – Driving more miles in a year the higher your rate. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your auto insurance coverage is showing the proper vehicle usage. If your policy improperly rates your Outback can cost quite a bit.
  • Liability insurance protects assets – Liability coverage is the coverage that protects you when a court rules you are at fault for damages caused by your negligence. It will provide legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Marriage brings a discount – Having a spouse can get you a discount on your policy. Marriage translates into being more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Are you male or female? – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men have accidents in similar numbers, but the men cause more damage. Men also statistically get more serious tickets such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
  • High deductibles save money – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Subaru. Examples of covered claims are collision with another vehicle, vandalism, and rolling your vehicle. The deductibles are how much you are willing to pay before your auto insurance pays a claim. The more expense you’re willing to pay, the bigger discount you will receive on Outback coverage.

These discounts can slash car insurance rates

Companies do not advertise every discount very well, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

  • Bundle and Save – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • 55 and Retired – Older drivers may be able to get reduced rates on Outback coverage.
  • No Claims – Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Outback coverage than drivers with accidents.
  • Homeowners Pay Less – Simply owning a home can save you money because owning a home is proof that your finances are in order.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies who might offer these discounts may include but are not limited to:

  • American Family
  • State Farm
  • 21st Century
  • Travelers
  • GEICO

Double check with each insurance company what discounts are available to you. Discounts may not be available in your state.

The auto insurance bait and switch

Auto insurance providers like Allstate, GEICO and Progressive consistently run ads in print and on television. They all make the same claim that you’ll save big if you change to their company. How does each company make almost identical claims?

All the different companies have a preferred profile for the type of driver they prefer to insure. For instance, a preferred risk could possibly be between 30 and 50, insures multiple vehicles, and has a short commute. Any driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t meet this ideal profile will have to pay higher prices and ends up with the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can state the savings. Because of the profiling, you need to compare as many rates as you can. You cannot predict the company that will fit your personal profile best.

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When might I need the advice of an agent?

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions might point out whether your personal situation may require specific advice.

  • Why am I required to get a high-risk car insurance policy?
  • Why do I only qualify for high-risk insurance?
  • Is pleasure use cheaper than using my 2001 Subaru Outback to commute?
  • Do I need replacement cost coverage?
  • Should I carry comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • What can I do if my company denied a claim?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

The coverage is in the details

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Outback.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like dental work, nursing services, surgery and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision – This coverage pays to fix your vehicle from damage 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 insurance covers claims such as crashing into a building, backing into a parked car, crashing into a ditch, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverage – This coverage provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability insurance covers claims such as repair costs for stationary objects, structural damage, funeral expenses and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

One last thing about your coverage

When shopping online for insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability coverage limits only to discover later they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at an affordable rate.

The cheapest 2001 Subaru Outback insurance can be bought both online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

We just covered some good ideas how to reduce insurance prices online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small mutual company.

For more information, feel free to visit the following helpful articles:

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