2008 Subaru Outback Insurance Quotes – 6 Policy Discounts

Looking for the cheapest insurance rates for your Subaru Outback? Sick and tired of paying out the nose to buy car insurance? You are no different than many other drivers.

You have multiple insurers to choose from, and although it’s nice to be able to choose, it makes it harder to adequately compare rates.

Smart consumers take time to price shop coverage periodically due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rates for Outback coverage on your last policy the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate how to quote online to properly buy coverages while reducing your premium.

Pricing more affordable coverage is not that difficult. Basically, every driver who is required by state law to have auto insurance should be able to find lower rates. But drivers can benefit by having an understanding of the methods companies use to price insurance differently.

Comprehensive Insurance Coverage Comparison Quotes

All major insurance coverage companies like Progressive, Allstate and GEICO provide price estimates online. The process is quite simple as you simply enter your coverage information into a form. After the form is submitted, the company’s rating system will order information on your driving record and credit history and gives you a price quote based on these factors. Online price quotes makes it a lot easier to compare rates but the process of having to visit different websites and type in the same information can be a bit repetitive. Unfortunately, it is important to do this in order to get the lowest price.

Compare rates the easy way

A less time-consuming method to find better insurance coverage pricing is to use a quote form to return rates from several companies at one time. It saves time, eliminates form submissions, and makes online price comparison much easier. Once the form is submitted, it gets priced with multiple companies and you can pick your choice of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process takes 15 minutes at the most and may result in a nice savings.

To save time and compare rates using this form now, click here and complete the simple form. If you have your current policy handy, we recommend you duplicate deductibles and limits identical to your current policy. This way, you will get a price comparison based on identical coverages.

Discounts mean cheaper 2008 Subaru Outback insurance rates

Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but less common discounts must be manually applied before they will apply.

  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Student Driver Training – Have your child complete a driver education course if it’s offered in school.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Low Mileage – Driving fewer miles could qualify for a substantially lower rate.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you’re out of luck. But all discounts will help reduce your overall premium however.

For a list of providers with the best insurance discounts, follow this link.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • If my 2008 Subaru Outback is totaled, can I afford another vehicle?
  • Which is better, split liability limits or combined limits?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my car insurance cover rental cars?
  • Where can I find DUI or SR-22 insurance?
  • Is pleasure use cheaper than using my 2008 Subaru Outback to commute?
  • Am I getting all the discounts available?
  • How high should deductibles be on a 2008 Subaru Outback?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by auto insurance companies.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for prosthetic devices, rehabilitation expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability – Liability insurance provides protection from damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair bills for other people’s vehicles, funeral expenses, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, 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 gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Subaru Outback.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.