2022 Subaru Outback Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 20, 2024

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Do you think you bought overpriced auto insurance? It’s quite common and many drivers have buyer’s remorse. You have so many insurance companies to buy insurance from, and even though it’s nice to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

You need to check auto insurance prices every six months since prices go up and down regularly. Even if you think you had the best rates on Outback insurance a couple years back a different company probably has better premium rates today. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use online quotes to find great coverage at a great price.

The purpose of this article is to tell you how to effectively get price quotes. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. Drivers only need to know how to compare company rates online.

Discount insurance car insurance rates

Companies offering auto insurance don’t always list their entire list of discounts in an easy-to-find place, so the list below contains both well-publicized and the harder-to-find credits available to bring down your rates. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Active Military Service – Having a family member in the military may qualify for rate reductions.
  • Discounts for New Vehicles – Buying a new car model can save you some money since new vehicles are generally safer.
  • No Accidents – Drivers who stay claim-free pay less as opposed to frequent claim filers.
  • Theft Prevention System – Cars and trucks with anti-theft systems help deter theft and will qualify for a discount on a insurance coverage quote.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Home Ownership Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on Outback insurance than drivers with accidents.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount should definitely cut the cost of coverage.

Some of the larger companies that possibly offer these discounts include:

  • 21st Century
  • State Farm
  • AAA
  • Liberty Mutual
  • Progressive

Before you buy a policy, ask every company how many discounts you can get. Some discounts may not apply to policyholders everywhere. To see insurance companies with discount rates, enter your zip code here.

The method we recommend to compare car insurance company rates is to know the trick most of the bigger providers participate in online systems to provide you with a free rate quote. The one thing you need to do is give them some information like if you went to college, your occupation, if the vehicle is leased, and if it has an anti-theft system. Your insurance information is sent automatically to multiple different insurance companies and you should receive rate quotes very quickly.

To compare rates for your 2022 Subaru Outback now, click here and enter the information requested.

Tailor your car insurance coverage to you

When it comes to buying coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions could help you determine if your insurance needs will benefit from professional help.

  • Can I get a multi-policy discount?
  • Does my 2022 Subaru Outback need full coverage?
  • When should I remove comp and collision on my 2022 Subaru Outback?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does coverage extend to a rental car in a foreign country?
  • How does medical payments coverage work?
  • What happens if I owe more than my 2022 Subaru Outback is worth?
  • What is the rate difference between pleasure use and commuting?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance 101

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by insurance companies.

UM/UIM Coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2022 Subaru Outback.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Liability car insurance – This provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as structural damage, medical services, funeral expenses and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your Outback resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, damage from a tornado or hurricane, damage from getting keyed, damage from flooding and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for dental work, ambulance fees, doctor visits and chiropractic care. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

And the best car insurance company is…

We’ve covered a lot of information how to lower your 2022 Subaru Outback insurance premium rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding inexpensive insurance coverage. You may be surprised to find that the lowest priced insurance coverage comes from a small local company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

Budget-conscious 2022 Subaru Outback insurance is possible on the web and from local insurance agents, so you need to shop insurance coverage with both to have the best rate selection. Some companies may not have rate quotes online and many times these smaller companies only sell coverage through local independent agents.

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