Compare 2010 Subaru Outback 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: Aug 23, 2022

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Finding affordable car insurance is always a challenge for consumers new to buying insurance online. You have so many companies to choose from that it can be a real hassle to compare prices.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you should be able to cut costs considerably using this strategy. But vehicle owners can benefit by having an understanding of the methods companies use to compete online.

Discounts are great for lower rates

Car insurance companies don’t always list all their discounts in an easy-to-find place, so here is a list both the well known as well as the least known ways to save on auto insurance.

  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Outback insurance than drivers with accidents.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Bundle and Save – If you have multiple policies with one company you may save at least 10% off all policies.
  • Homeowners Discount – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

Keep in mind that many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

For a list of insurers with the best auto insurance discounts, click here to view.

You may need specialized coverage

When choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

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For example, these questions might help in determining if your situation may require specific advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Where can I find high-risk insurance?
  • Is my camper covered by my car insurance policy?
  • What are the financial responsibility laws in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Why do I need rental car insurance?
  • Does medical payments coverage apply to all occupants?
  • What is UM/UIM insurance?
  • What is the minimum liability in my state?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Ads can be misleading

Companies like GEICO, State Farm and Progressive continually stream ads on TV and radio. All the ads make the same claim about savings after switching to them. How do they all claim to save you money? It’s all in the numbers.

All the different companies are able to cherry pick for the type of driver that is profitable for them. An example of a profitable customer might be profiled as over the age of 50, a clean driving record, and has a short commute. A customer who fits that profile will get very good rates and most likely will save when they switch companies.

Consumers who don’t meet these standards will have to pay higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “everyone that quotes” save that much money. That is how companies can truthfully make those claims. Because of the profiling, drivers must quote coverage with many companies. It’s impossible to know which insurance company will fit your personal profile best.

Car insurance coverage breakdown

Knowing the specifics of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses for things like ambulance fees, surgery, dental work, EMT expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

This can cover injuries or damage you cause to other people or property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, bail bonds, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision coverage protection

Collision insurance covers damage to your Outback from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Subaru Outback.

Due to the fact that many drivers 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.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, rock chips in glass, hitting a deer, vandalism and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Have money to burn

Low-cost 2010 Subaru Outback insurance can be purchased from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We just covered some good ideas how to reduce insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from some of the smallest insurance companies.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

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