Cheapest 2012 Subaru Outback Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Looking for lower insurance rates for your Subaru Outback? Are you a victim of overpriced insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. Drivers have so many auto insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it can be more difficult to compare rates and cut insurance costs.
This information will let you in on how to effectively get price quotes and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these tips. Consumers only need to know the proper methods to buy insurance online.
Compare Auto Insurance Today
Most companies quote prices online. This process is fairly simple as you simply enter your coverage information into the quote form. After you submit the form their system automatically orders credit information and your driving record and gives you a price quote. This makes comparing rates easy, but the time it takes to visit each company’s website and repetitively type in the same information can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible in order to get the best price on auto insurance.
The preferred way to find cheaper rates utilizes a single form that gets price quotes from a lot of companies. This type of form saves time, requires less work, and makes quoting online much easier. After sending the form, it is rated and you can select any one of the pricing results.
If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.
To quickly compare rates using this form now, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you replicate coverages and limits as shown on your current policy. Doing this assures you will be getting rate comparison quotes for similar coverage.
Take these eight discounts and save
Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but some must be inquired about before you will receive the discount. If they aren’t giving you every credit you qualify for, you are throwing money away.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
- Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
- Accident Free – Claim-free drivers can save substantially compared to drivers who are more careless.
- Organization Discounts – Being a member of a civic or occupational organization may earn a discount when shopping for auto insurance for Outback insurance.
- Paperless Signup – A handful of insurance companies give back up to $50 just for signing your application online.
- Passive Restraints – Cars that have air bags can receive discounts of up to 25% or more.
- Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
- Bundle and Save – When you have multiple policies with the same company you will save approximately 10% to 15%.
It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.
Insurance companies who might offer these benefits are:
- Farm Bureau
- American Family
- State Farm
It’s a good idea to ask every prospective company how you can save money. Discounts may not apply in every state.
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Which policy gives me the best coverage?
When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. For instance, these questions may help you determine whether or not you might need an agent’s assistance.
- Am I covered when pulling a rental trailer?
- What discounts do I qualify for?
- Do I get a pro-rated refund if I cancel my policy early?
- Where can I find high-risk insurance?
- Am I covered when driving someone else’s vehicle?
- Will my rates increase for filing one claim?
- Does insurance cover damages from a DUI accident?
- Do I need an umbrella policy?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
Car insurance coverages 101
Learning about specific coverages of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from car insurance companies.
Collision coverage will pay to fix damage to your Outback from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as driving through your garage door, rolling your car, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2012 Subaru Outback.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability car insurance
Liability coverage will cover injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers claims such as repair bills for other people’s vehicles, legal defense fees, medical expenses and structural damage. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.
Insurance for medical payments
Med pay and PIP coverage kick in for short-term medical expenses for doctor visits, chiropractic care and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Keep this in mind
As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.
We just covered a lot of information how to get a better price on 2012 Subaru Outback insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with a small mutual company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
Much more information about insurance is located below:
- Liability Insurance Coverage (Nationwide)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Teen Driving Statistics (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- Teen Driving and Texting (State Farm)
Frequently Asked Questions
How can I compare auto insurance rates online?
You can compare auto insurance rates online by using a quote form that gathers price quotes from multiple companies. By filling out the form and submitting it, you will receive pricing results from different insurance providers, allowing you to compare rates easily and choose the best option for you.
What discounts are available for car insurance?
Car insurance companies offer various discounts to help reduce the cost of coverage. Some discounts are applied automatically when you request a quote, while others need to be inquired about. Examples of common discounts include safe driver discounts, multi-policy discounts, good student discounts, and anti-theft device discounts. Make sure to ask each company about the discounts they offer.
How do I determine which car insurance policy gives me the best coverage?
The best car insurance coverage depends on your specific needs and circumstances. There isn’t a one-size-fits-all policy that works for everyone. To determine the best coverage for you, consider factors such as your driving habits, the value of your vehicle, your budget, and any specific risks you want to protect against. You may also consider consulting a licensed insurance agent for personalized advice.
What are the different types of car insurance coverages?
Car insurance typically includes several types of coverage. Some common coverages are:
- Liability coverage: Protects you from claims by others for injuries or damage you cause to their property.
- Collision coverage: Pays for damage to your vehicle in case of a collision with another vehicle or object.
- Comprehensive coverage: Covers damage to your vehicle from non-collision events like theft, vandalism, or natural disasters.
- Uninsured/Underinsured motorist coverage: Provides protection if you’re involved in an accident with a driver who doesn’t have insurance or lacks sufficient coverage.
- Medical payments coverage: Pays for medical expenses resulting from an accident, regardless of who is at fault.
Is it advisable to lower coverage limits to save money on car insurance?
It’s generally not recommended to lower your coverage limits just to save a few dollars. In the event of an accident, having inadequate coverage could leave you financially vulnerable and responsible for significant expenses. Instead of reducing coverage, consider exploring other ways to save on car insurance, such as comparing quotes, taking advantage of discounts, or adjusting deductibles. It’s important to strike a balance between affordable premiums and sufficient coverage for your needs.
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