Cheaper 2016 Subaru Outback Insurance Rates

Trying to find cheaper insurance rates for your Subaru Outback? Searching for cheaper insurance for a new or used Subaru Outback can normally be an all-consuming task, but you can learn our insurance buying tips to save time. There are more efficient ways to compare insurance rates so we’re going to tell you the best way to quote coverages for your Subaru and locate the cheapest rates from both online companies and local agents.

Smart consumers take time to compare rates periodically because insurance prices go up and down regularly. Even if you got the lowest rate for Outback coverage at your last renewal you can probably find a lower rate today. Forget all the misinformation about insurance because we’re going to demonstrate the right way to find the best coverage while lowering your premiums.

Shop auto insurance online

Most larger insurance companies allow consumers to get price estimates online. Getting quotes is pretty easy because you just enter your personal and coverage information into the form. After you submit the form their rating system will order reports for credit and driving violations and generates pricing information based on these factors.

This simplifies rate comparisons, but the time it takes to visit several different sites and type in the same data is repetitive and time-consuming. But it’s very important to perform this step if you want to find the lowest auto insurance rates.

The better way to compare rates

The easiest way to compare rates uses one form that obtains quotes from several companies at one time. This type of form saves time, requires much less work on your part, and makes online price comparison much easier. Immediately after you send the form, it is quoted and you are able to buy any one of the price quotes you receive. If you find a better price you simply finish the application and buy the policy. It takes 15 minutes at the most and you’ll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you complete the form with deductibles and limits identical to your current policy. This guarantees you will get a fair comparison based on identical coverages.

Take advantage of these discounts

Car insurance companies don’t necessarily list every policy discount very clearly, so the list below contains some of the more common as well as the least known ways to save on insurance.

  • Home Ownership Discount – Simply owning a home can save a few bucks because of the fact that having a home requires personal responsibility.
  • Federal Government Employee – Federal government employees could provide a small rate reduction for Outback coverage with a few insurance companies.
  • Student in College – Older children living away from home attending college without a vehicle on campus could qualify for this discount.
  • Switch and Save Discount – Some larger companies give discounts for switching companies before your current coverage expires. This discount can save up to 10%.
  • Defensive Driver – Successfully completing a course in defensive driver could possibly earn you a 5% discount depending on where you live.
  • Drive Less and Save – Maintaining low annual mileage may allow you to get better rates on cars that stay parked.
  • Online Discount – Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts could save 15% off the personal injury premium cost.

One last thing about discounts, many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride.

If you would like to view insurers with the best discounts, click here.

Special considerations

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Exactly who is provided coverage by my policy?
  • Will my insurance pay for OEM parts?
  • Am I covered if hit by an uninsured driver?
  • Can I drive in Mexico and have coverage?
  • Is my camper covered by my car insurance policy?
  • Can I still get insurance after a DUI?
  • How high should deductibles be on a 2016 Subaru Outback?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

You can change your insurance premiums

Smart consumers have a good feel for some of the elements that help determine the price you pay for car insurance. When consumers understand what influences your rates, this enables you to make decisions that may reward you with lower car insurance prices. Many factors are taken into consideration when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but some are more transparent like your vehicle usage or your commute time.

The itemized list below are some of the items utilized by car insurance companies to help set your prices.

  • Add-on coverages you don’t use – Insurance companies have many extra bells and whistles that you can get tricked into buying if you don’t pay attention. Add-on coverages like roadside assistance, towing, and extra life insurance coverage may be wasting your money. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past eliminate them to save money.
  • Traffic violations can increase rates – Being a careful driver impacts premiums far more than you think. Getting just one chargable violation can increase rates to the point where it’s not affordable. Attentive drivers tend to pay less for car insurance as compared to those with violations. Drivers who get flagrant tickets such as DUI or reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Safer the car lower the rate – Vehicles that have high safety ratings get lower rates. Vehicles built for safety reduce injuries and fewer serious injuries means less money paid by your insurance company and thus lower rates. If your Subaru Outback scored at minimum four stars on Safercar.gov it may be receiving lower rates.
  • Females tend to cost less – Statistics have proven that men are more aggressive behind the wheel. This data doesn’t prove that men are worse drivers. Males and females get in accidents at about the same rate, but men tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.

Insurance ads bend the truth

Consumers can’t get away from ads that claim the best premium rates from the likes of State Farm, Geico and Progressive. All the companies advertise the message that drivers will save a bundle just by moving your policy.

But how can every company charge lower premium rates? Just pay attention to how they say it.

All companies have a preferred profile for the type of insured that will most likely be profitable. For instance, a profitable customer might have to be between the ages of 30 and 45, has a clear driving record, and does not commute to work. Anyone who fits that profile will most likely get cheap premium rates and will most likely save quite a bit of money when switching.

Insureds who don’t measure up to those standards will probably have to pay higher rates and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently lure you into getting a quote. Because of these techniques, drivers must compare as many free auto insurance quotes as you can. It is just not possible to predict which company will have better premium rates than you’re paying now.

Coverage specifics

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Auto collision coverage

This coverage covers damage to your Outback from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, scraping a guard rail, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as structural damage, medical expenses, funeral expenses and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like prosthetic devices, rehabilitation expenses, EMT expenses and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Subaru Outback.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, rock chips in glass, falling objects, a broken windshield and hitting a bird. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Find Good Coverage for Less

When searching for cheaper auto insurance quotes, do not reduce needed coverages to save money. There are too many instances where an accident victim reduced liability coverage limits and found out when filing a claim that it was a big error on their part. Your goal is to find the BEST coverage at the best cost, not the least amount of coverage.

You just read a lot of information how to lower your 2016 Subaru Outback insurance premium rates. The key concept to understand is the more companies you get prices for, the higher the chance of saving money. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

Cheaper auto insurance is attainable on the web and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies may not offer the ability to get a quote online and many times these regional carriers work with independent insurance agents.

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