Subaru Subaru Outback Insurance Rates
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UPDATED: Dec 7, 2021
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Searching for lower priced insurance over the internet can appear to be rather difficult for vehicle owners who are beginners to quoting and shopping for insurance over the internet. With such a big selection of agents and online companies available, how can drivers efficiently compare every possible option in order to find the best price?
Are you earning every discount?
Some companies don’t list their entire list of discounts very clearly, so we break down both the well known and also the more inconspicuous credits that may apply to you.
- Bundle and Save – If you combine your auto and homeowners policies with the same insurance company you will save at least 10% off all policies.
- Discount for Life Insurance – Select insurance carriers reward you with a discounted premium rate on car insurance if you buy some life insurance too.
- Home Ownership Discount – Being a homeowner can save a few bucks since home ownership requires a higher level of personal finance.
- Accident Free – Insureds who avoid accidents and claims have much lower rates in comparison with frequent claim filers.
- Discounts for Federal Employees – Federal government employees can save as much as 8% on Outback insurance depending on your auto insurance provider.
- Student in College – Older children who are enrolled in a college that is more than 100 miles from home and leave their car at home could qualify for this discount.
- Safe Driver Discount – Accident-free drivers could pay up to 40% less on Outback insurance than drivers with accident claims.
A little note about advertised discounts, most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, nobody gets a free ride. But all discounts will lower the cost of coverage.
A few of the larger companies and a summarized list of policyholder discounts are:
- GEICO offers premium reductions for anti-theft, daytime running lights, federal employee, five-year accident-free, and multi-vehicle.
- SAFECO may have discounts that include anti-lock brakes, anti-theft, homeowner, drive less, and accident prevention training.
- State Farm offers discounts for driver’s education, safe vehicle, passive restraint, good driver, and defensive driving training.
- MetLife discounts include good driver, accident-free, claim-free, multi-policy, good student, and defensive driver.
- 21st Century may offer discounts for student driver, defensive driver, driver training, air bags, early bird, and homeowners.
- Progressive has discounts for multi-policy, homeowner, multi-vehicle, good student, continuous coverage, online signing, and online quote discount.
It’s a good idea to ask each insurance company how you can save money. Some credits might not apply in your area. To locate providers who offer auto insurance discounts, follow this link.
Learn how to quote insurance coverage for less
Lots of things are considered when you get a price on insurance. Some of the criteria are obvious like your driving record, but others are more transparent like your vehicle usage or your commute time.
The list below includes just a few of the factors used by insurance companies to determine your rates.
- Premiums increase with driving tickets – Good drivers pay less for auto insurance than their less careful counterparts. Having a single moving violation could increase your next policy renewal to the point where it’s not affordable. Drivers unfortunate enough to have license-revoking violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with the DMV in their state in order to continue driving.
- Your vocation can affect rates – Jobs such as real estate brokers, business owners and medical professionals usually pay the highest rates attributed to intense work-related stress and extremely grueling work hours. On the other hand, careers such as professors, engineers and the unemployed have lower than average premiums on Outback insurance.
- Put fewer miles on your vehicle – Driving more miles annually the more you’ll pay to insure it. The majority of insurers calculate rates based on how the vehicle is used. Cars not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. An incorrectly rated Outback may be costing you higher rates. Verify your insurance coverage policy is rated on the correct usage for each vehicle, because it can save money.
- Gender is a factor – Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Females and males are in accidents in similar numbers, but the men have costlier accidents. Men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers cause the most accidents so they pay the highest premiums.
- Pay more out-of-pocket – The deductibles represent how much money you are required to spend out-of-pocket before your insurance coverage pays a claim. Insurance for physical damage, also called ‘full coverage’, insures against damage to your car. A few examples of covered claims are collision with another vehicle, animal collisions, and damage from wind. The more money you choose to pay out-of-pocket, the less your company will charge you for insurance on Outback insurance.
- Only buy what you need – There are a lot of add-on coverages that can waste your money when buying insurance coverage. Things like rental car reimbursement, towing coverage, and motor club memberships could be just wasting money. They may sound like good ideas when discussing your needs, but your needs may have changed so consider taking them off your policy.
- Urban areas may pay more – Living in a rural area is a positive aspect when buying insurance coverage. Fewer people means fewer accidents as well as less vandalism and auto theft. City drivers regularly have more aggressive driving styles and a longer drive to work. Higher commute times means more chances of being involved in an auto accident.
- How old are your drivers? – More experienced drivers are viewed as being more responsible, statistically cause fewer accidents .Drivers with little experience are statistically proven to be inattentive when at the wheel of a vehicle so they pay higher insurance coverage rates.
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When in doubt talk to an agent
When it comes to choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.
These are some specific questions may help highlight if you may require specific advice.
- When should my teen driver be added to my policy?
- When would I need additional glass coverage?
- How can I force my company to pay a claim?
- Why am I required to get a high-risk car insurance policy?
- Is my trailer covered?
- What is medical payments coverage?
- Do I really need UM/UIM coverage?
- Is my dog or cat covered if injured in an accident?
- Should I rate my 2018 Subaru Outback as pleasure use or commute?
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Detailed coverages of your insurance policy
Learning about specific coverages of insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Liability auto insurance
This provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims like medical services, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.
This coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims such as backing into a parked car, scraping a guard rail, damaging your car on a curb, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as falling objects, hitting a deer, rock chips in glass and a broken windshield. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Medical payments coverage and PIP
Med pay and PIP coverage pay for short-term medical expenses for nursing services, chiropractic care and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Subaru Outback.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
More comparisons equals lower rates
We’ve covered some good ideas how you can get a better price on 2018 Subaru Outback insurance. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. Consumers may even find the best rates are with some of the lesser-known companies.
As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There have been many cases where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.
Consumers leave their current company for a number of reasons such as poor customer service, unfair underwriting practices, delays in responding to claim requests and even an unsatisfactory settlement offer. Whatever your reason, switching companies can be easier than you think.
To learn more, feel free to browse the following helpful articles:
- Shopping for a Safe Car (Insurance Information Insitute)
- Car Insurance FAQ (Trusted Choice)
- Teen Driver Statistics (Insurance Information Insitute)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
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