Subaru Subaru Outback Insurance Rates
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UPDATED: May 11, 2022
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Searching for better insurance coverage rates? Consumers have options when looking for the lowest priced Subaru Outback insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to compare rates. There are more efficient ways to shop for insurance coverage so you’re going to learn the best way to get price quotes on a Subaru and get the lowest price from both online companies and local agents.
If you are insured now or need new coverage, you can use these tips to find better prices while maximizing coverage. The purpose of this post is to familiarize you with how to effectively get price quotes. Consumers just need to learn the proper way to shop their coverage around on the web.
What determines your Subaru Outback insurance premium
It’s important that you understand the different types of things that go into determining the rates you pay for insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
Listed below are some of the factors used by your company to calculate prices.
- Little extras can really add up – There are quite a few extra bells and whistles that can waste your money when buying insurance. Coverages for vanishing deductibles, accident forgiveness and membership fees may be wasting your money. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.
- Sex matters – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes have accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets like reckless driving and DUI.
- Car features impact rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
- Rate your vehicle for proper use – The more miles you rack up on your Subaru in a year’s time the higher your rate. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your insurance policy is rated on how each vehicle is driven. If your policy improperly rates your Outback can result in significantly higher rates.
- Adjust deductibles and save – The deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more expense you’re willing to pay, the less your insurance will be on Outback coverage.
- Clean credit earns discounts – Credit score is a large factor in determining what you pay for insurance. People with excellent credit tend to be more responsible than those with poor credit. If your credit history is low, you could pay less to insure your 2007 Subaru Outback by repairing your credit.
- High numbers of claims are not good – Companies give discounts to policyholders who file claims infrequently. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
- Liability coverage is cheap – The liability section of your policy provides coverage if a jury decides you are liable for damages from an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Pay less by taking advantage of discounts
Auto insurance companies do not advertise every discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find insurance savings. If they aren’t giving you every credit you deserve, you’re paying more than you need to.
- Federal Employees – Simply working for the federal government can save as much as 8% on Outback coverage with select insurance companies.
- Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
- Memberships – Affiliation with a civic or occupational organization may earn a discount on your policy on Outback coverage.
- No Claims – Claim-free drivers can save substantially when compared to bad drivers.
- Drive Less and Save – Fewer annual miles on your Subaru can qualify you for a substantially lower rate.
- One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
- Multi-car Discount – Insuring more than one vehicle on the same insurance policy can get a discount on all vehicles.
- Multiple Policy Discount – If you insure your home and vehicles with one insurance company you will save approximately 10% to 15%.
- College Student – Kids in college who are attending college without a vehicle on campus can be insured at a reduced rate.
- Save over 55 – Mature drivers may qualify for better insurance rates on Outback coverage.
It’s important to understand that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, insurance companies aren’t that generous.
For a list of companies with the best insurance discounts, click here to view.
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Your coverage should be tailored to you
When it comes to choosing the best auto insurance coverage, there really is no single plan that fits everyone. Every situation is different.
Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.
- What is the ISO rating for a 2007 Subaru Outback?
- Do I really need UM/UIM coverage?
- Can my teen drive my company car?
- Can I afford to buy a different vehicle if my 2007 Subaru Outback is totaled?
- Is pleasure use cheaper than using my 2007 Subaru Outback to commute?
- Is my Subaru Outback covered if I use it for business?
- I have health insurance so do I need medical payments coverage?
- How high should my uninsured/underinsured coverage be in my state?
- How can I find cheaper teen driver insurance?
If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Car insurance coverage information
Learning about specific coverages of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.
Coverage for medical expenses
Med pay and PIP coverage provide coverage for bills for dental work, surgery and pain medications. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision insurance pays for damage to your Outback resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like colliding with a tree, scraping a guard rail, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Comprehensive car insurance
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like hail damage, damage from flooding and theft. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability car insurance
Liability insurance will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability insurance covers things like court costs, funeral expenses, pain and suffering, structural damage and medical expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.
Coverage for uninsured or underinsured drivers
This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Subaru Outback.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
In this article, we covered quite a bit of information on how to reduce 2007 Subaru Outback insurance prices online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the most savings is with the least-expected company.
While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage only to regret at claim time that it was a big mistake. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.
Budget-conscious insurance is available both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.
Additional detailed information is located by following these links:
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- Tools for Teen Driving Safety (State Farm)
- Understanding Limits and Deductibles (Allstate)
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
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