Subaru Subaru Outback Insurance Rates
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UPDATED: Dec 6, 2021
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Having to pay for overpriced car insurance can drain your checking account and force you to prioritize other expenses. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every insurer and get the best coverage at the best rates possible.
How much can you save with these six discounts?
Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be manually applied prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.
- Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
- Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
- Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
- Service Members Pay Less – Being deployed with a military unit could mean lower rates.
- Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
- New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.
It’s important to understand that most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous. But any discount will bring down the cost of coverage.
To see a list of providers who offer insurance coverage discounts, click this link.
Finding Insurance Deals
Cutting your insurance rates is surprisingly easy. You just need to spend a few minutes to compare quotes online from several insurance companies. This is very easy and can be done using a couple different methods.
The best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This easy form saves time by eliminating multiple quote forms for each company. Just one form gets you price quotes direct from many companies.
A more difficult way to find lower rates is spending the time to visit the website of each company to request a price quote. For instance, we’ll assume you want to compare rates from Liberty Mutual, GEICO and Travelers. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
The least recommended method to get comparison rates is to drive around to and from local insurance agencies. The internet makes this process obsolete unless you have a need for the personal advice that only a license agent can provide. You can, however, find lower rates online but still have the advice of a local agent and we’ll talk about that later.
It’s up to you which method you use, but ensure you are comparing exactly the same coverage limits for every quote you compare. If you have unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best.
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How much car insurance do I need?
When it comes to buying adequate coverage, there is no “best” method to buy coverage. Every situation is different so your insurance should reflect that For instance, these questions may help you determine whether or not you could use an agent’s help.
- Am I covered if I drive in a foreign country?
- Will my rates increase for filing one claim?
- Who is covered when they drive my 2006 Subaru Outback?
- What vehicles should carry emergency assistance coverage?
- Am I covered when driving a rental car?
- Why am I required to buy liability insurance?
- Is business equipment covered while in my vehicle?
- Is my 2006 Subaru Outback covered for smoke damage?
- I don’t drive much so do I pay less?
If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.
Parts of your insurance policy
Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Subaru Outback.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.
Auto collision coverage
Collision coverage will pay to fix damage to your Outback resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision insurance covers things such as colliding with another moving vehicle, rolling your car, crashing into a building, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.
Comprehensive insurance coverage pays to fix your vehicle from 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 coverage pays for things like falling objects, hitting a bird and hail damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Auto liability insurance
Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. 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. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as pain and suffering, bail bonds and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, surgery and X-ray expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Don’t throw your cash in the trash
We just presented a lot of techniques to compare 2006 Subaru Outback insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small mutual company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.
As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where drivers have reduced physical damage coverage only to discover later that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
For more information, take a look at these articles:
- Vehicle Insurance (Wikipedia)
- Eight Auto Insurance Myths (Insurance Information Insitute)
- Auto Insurance Basics (Insurance Information Insitute)
- Child Safety Seats (Insurance Information Insitute)
- Auto Theft Statistics (Insurance Information Insitute)
- Auto Insurance FAQ (Farmers Insurance)
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