How Much Does 2006 Subaru Outback Insurance Cost?

Trying to find better insurance coverage rates for your Subaru Outback? Shopping for cheap insurance coverage over the internet can seem to be difficult for consumers not familiar with price shopping online. With a ridiculous number of insurers to choose from, how can anyone have a chance to compare every one to find the cheapest available price?

Buying the best coverage is quite easy. Basically, every vehicle owner who has to buy insurance will more than likely be able to lower their premiums. Although drivers do need to know how companies compete online.

Which Auto Insurance is Cheapest?

Most major insurance companies such as State Farm, Allstate and GEICO provide prices for coverage on their websites. Getting online rates is quite easy as you simply enter the coverages you want as requested by the quote form. When complete, the system obtains information on your driving record and credit history and generates pricing information based on these factors.

Online quotes streamlines rate comparisons, but the process of having to visit multiple sites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to perform this step in order to get better auto insurance pricing.

There is an easier way!

A less time-consuming method to find cheaper rates makes use of a single form to return rates from more than one company. This type of form saves time, reduces the work, and makes online shopping much more efficient. Immediately after submitting the form, it is quoted and you can select any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To quickly find out if lower rates are available, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you enter coverages and limits exactly as shown on your declarations page. This guarantees you will get rate comparison quotes based on the exact same insurance coverage.

Discounts are great for lower rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you purchase, but a few need to be specifically requested before being credited.

  • Student in College – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Accident Free – Claim-free drivers pay less when compared to frequent claim filers.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Outback coverage than drivers with accident claims.
  • Accident Waiver – Some insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Homeowners Savings – Owning a home can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Defensive Driver – Completing a defensive driving course can save you 5% or more if your company offers it.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.

It’s important to understand that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way. But any discount will help reduce the amount you have to pay.

Insurance companies that possibly offer these discounts include:

Check with each company which discounts you may be entitled to. All car insurance discounts may not apply in your state.

Complexity of Subaru Outback insurance rates

Consumers need to have an understanding of some of the elements that play a part in calculating your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with better car insurance rates.

  • Extra add-on coverages are wasting money – There are a ton of add-on coverages you can purchase on your car insurance policy. Things like vanishing deductibles, better glass coverage and additional equipment coverage may be wasting your money. These may sound like a good investment at first, but now you might not need them so remove them from your policy.
  • Discounts for multiple policies – Most insurers will award you with lower prices to insureds who have multiple policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, you may still want to shop around to make sure you are getting the best deal.
  • An active claims history can cost you – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies provide lower rates to people who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Men pay higher rates – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women are in accidents at a similar rate, but men have costlier accidents. Men also get more serious tickets like DUI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
  • Better credit means lower rates – Credit score is a big factor in calculating your car insurance rates. If your credit history is lower than you’d like, you could be paying less to insure your 2006 Subaru Outback by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit.

You may need specialized coverage

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

Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • Do I need roadside assistance coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when driving in Canada or Mexico?
  • Am I insured when driving a different vehicle?
  • Is my 2006 Subaru Outback covered for flood damage?
  • Does my personal policy cover me when driving out-of-state?
  • How can I get high-risk coverage after a DUI?
  • Who is covered when they drive my 2006 Subaru Outback?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Advertising myths

Auto insurance companies such as State Farm, Allstate and GEICO continually stream ads on television and other media. They all seem to have a common claim that you’ll save big after switching your policy. How does each company make the same claim?

Insurance companies can use profiling for the type of driver that is profitable for them. For example, a preferred risk could possibly be between the ages of 40 and 55, is a homeowner, and has a high credit rating. A driver that hits that “sweet spot” is entitled to the best price and as a result will probably save when switching.

Drivers who don’t meet the “perfect” profile will have to pay higher rates which usually ends up with business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save money. That’s the way companies can state the savings.

Because of the profiling, you should get as many comparisons as possible. Because you never know which company will have the lowest Subaru Outback insurance rates.

The coverage is in the details

Understanding the coverages of insurance can help you determine the right coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages – This covers 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 things like fire damage, hitting a deer, falling objects, damage from flooding and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments – Med pay and PIP coverage pay for short-term medical expenses such as chiropractic care, dental work, prosthetic devices, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – Liability coverage protects you from injuries or damage you cause to other people or property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as pain and suffering, attorney fees, emergency aid, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2006 Subaru Outback.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are set the same as your liablity limits.

Get your money’s worth

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at a price you can afford.

Drivers leave their current company for a number of reasons such as unfair underwriting practices, high rates after DUI convictions, delays in responding to claim requests or lack of trust in their agent. It doesn’t matter why you want to switch finding the right insurance provider can be easier than you think.

In this article, we presented many ways to compare 2006 Subaru Outback insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the biggest savings come from an unexpected company.

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