2023 Subaru Outback Insurance Quotes in 2024 – 8 Tricks for Cheapest Rates

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

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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Want the cheapest insurance rates for your Subaru Outback? Cutting costs on insurance is always very difficult for people who are new to comparing prices online. There are so many choices that it can easily be a burden to find cheaper insurance rates.

It’s important to compare prices periodically since insurance prices go up and down regularly. Despite the fact that you may have had the best rates for Outback coverage last year you may be paying too much now. Block out anything you think you know about insurance because you’re about to find out one of the quickest ways to find the best coverage while lowering your premiums.

Shopping for affordable coverage is simple if you know the tricks. Basically, everyone who carries auto insurance will more than likely be able to find better rates. But consumers do need to understand the way companies price online insurance.

Lower rates by qualifying for these eight discounts

Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so the list below details some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

  • Government Employee Discount – Active or former government employment may reduce rates when you quote insurance coverage for Outback coverage depending on your auto insurance provider.
  • Accident Forgiveness – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual will let one accident slide without the usual rate increase so long as you are claim-free for a specific time period.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up can save up to 15% off the personal injury premium cost.
  • Military Deployment Discount – Having a deployed family member can result in better rates.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Membership in Organizations – Being a member of a professional or civic organization could earn you a nice discount when getting a insurance coverage quote.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Subaru may allow you to get substantially lower prices.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.

Discounts save money, but please remember that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like you can get free auto insurance, you aren’t that lucky.

A few companies that have many of the previously listed discounts include:

  • Travelers
  • Nationwide
  • Farmers Insurance
  • Esurance
  • State Farm
  • Progressive
  • Mercury Insurance

Check with each insurance company the best way to save money. Savings may not apply to policies everywhere. If you would like to view insurers offering auto insurance discounts, enter your zip code here.

Car insurance is unique, just like you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

For example, these questions might help in determining if your insurance needs could use an agent’s help.

  • Is extra glass coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my nanny covered when driving my vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I waive the damage coverage when renting a car?
  • Am I covered if I crash into my own garage door?
  • Does my personal policy cover me when driving out-of-state?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Auto insurance coverages 101

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills like pain medications, prosthetic devices, EMT expenses and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, vandalism and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Subaru Outback.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

This coverage will pay to fix damage to your Outback resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Liability car insurance

This coverage will cover damage that occurs to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, loss of income, medical expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Affordable insurance is out there

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, poor customer service and even an unsatisfactory settlement offer. Regardless of your reason, finding the right auto insurance provider can be less work than you think.

Some insurance providers may not provide online rate quotes and usually these smaller companies only sell through independent agents. More affordable auto insurance can be sourced from both online companies as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There have been many cases where someone sacrificed physical damage coverage only to find out that it was a big mistake. Your goal is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

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