Save on 2008 Subaru Outback Car Insurance Cost

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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: Aug 23, 2022

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Shoppers have options when shopping for affordable Subaru Outback insurance. They can either spend hours contacting agents getting price quotes or leverage the internet to find the lowest rates.

There are both good and bad ways to buy auto insurance and we’ll show you the quickest way to quote coverages for your Subaru and get the lowest price either online or from local insurance agents.

You should take the time to check auto insurance prices occasionally because prices change quite often. Even if you think you had the lowest price on Outback insurance a few years ago there is a good chance you can find better rates now. So just forget all the misinformation about auto insurance because I’m going to teach you the best way to reduce your cost while increasing coverage.

How to reduce 2008 Subaru Outback insurance rates

Insurance can be prohibitively expensive, but you can get discounts to help bring down the price. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be manually applied in order for you to get them. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Bundle and Save – If you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Sign Online – Some insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates on car insurance on Outback insurance.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will reduce the cost of coverage.

To see a list of providers with discount car insurance rates, click here.

How to Compare Auto Insurance Quotes

Finding cheaper 2008 Subaru Outback auto insurance prices is not rocket science. You just need to take a few minutes comparing rates online from several insurance companies. This is very easy and can be done in several different ways.

The single most time-saving way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do separate quote forms for each company you want a rate for. One form submission compares rates instantly. Recommended for those who want to invest the least amount of time.

Another way to compare prices is to take the time to go to each individual company website and complete a new quote form. For instance, we’ll pretend you want rates from Farmers, 21st Century and Allstate. You would have to spend time on each company’s site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

The hardest method to compare rates is to spend time driving to and from local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the professional advice only provided by licensed agents. Drivers can comparison shop online and get advice from an agent in your area and you’ll learn how to do that later.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverage limits and deductibles on every quote you get. If you compare different limits and deductibles on each one it’s not possible to determine which rate is truly the best.

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Tailor your coverage to you

When buying coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Can I rent a car in Mexico?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I crash into my own garage door?
  • Will filing a claim cost me more?
  • What is no-fault insurance?
  • Why am I required to get a high-risk car insurance policy?
  • Is a blown tire covered by insurance?
  • How can I get my company to pay me more for my totalled car?
  • Is there coverage for injuries to my pets?
  • Is motorclub coverage worth it?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Insurance policy specifics

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like emergency aid, funeral expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, damage from flooding, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Med pay and PIP coverage kick in for expenses for things like hospital visits, X-ray expenses, doctor visits, funeral costs and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays for damage to your Outback resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, scraping a guard rail, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Get your money’s worth

Cheap 2008 Subaru Outback insurance can be found online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we presented many ways to get a better price on insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with some of the smallest insurance companies.

As you shop your coverage around, do not reduce coverage to reduce premium. In many cases, someone dropped collision coverage to discover at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at a price you can afford while still protecting your assets.

Additional detailed information is available at these sites:

Use our FREE quote tool to compare rates now!

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Enter your zip code below to view companies that have cheap auto insurance rates.

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