How Much Does 2010 Subaru Outback Insurance Cost?

Searching for lower car insurance rates? Consumers have a choice when looking for the lowest priced Subaru Outback insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to find the lowest rates.

There are more efficient ways to buy car insurance so you’re going to learn the best way to compare rates for your Subaru and find the lowest possible price from both online companies and local agents.

It’s a good habit to check car insurance prices yearly because rates are variable and change quite frequently. If you had the best rates for Outback coverage two years ago you can probably find a lower rate today. So ignore everything you know about car insurance because I’m going to teach you the proper way to reduce your cost while increasing coverage.

If you have insurance now or are looking for a new policy, you can use these techniques to find better prices while maximizing coverage. This information will teach you how to get online quotes. Drivers only need an understanding of the most efficient way to shop over the internet.

The quickest method we recommend to compare insurance rates in your area is to know the fact car insurance companies will pay a fee to compare rate quotes. The one thing you need to do is give them some information such as types of safety features, an estimate of your credit level, which vehicles you own, and how old drivers are. The data is instantly sent to insurance companies and you will receive price estimates immediately.

You probably qualify for some discounts

Insurance can be prohibitively expensive, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be manually applied in order for you to get them. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company can get a discount on all vehicles.
  • Resident Student – Kids in college living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Own a Home – Owning a house may trigger a insurance policy discount because maintaining a house is proof that your finances are in order.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will help reduce the cost of coverage.

Companies that possibly offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company what discounts are available to you. Some discounts may not be available in your area.

There’s no such thing as the perfect policy

When it comes to buying coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions could help you determine whether you could use an agent’s help.

  • Do I need roadside assistance coverage?
  • Is my teen driver covered when they drive my company car?
  • I have a DUI can I still get coverage?
  • Does my 2010 Subaru Outback qualify for pleasure use?
  • Does my car insurance cover rental cars?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Subaru Outback insurance rates have many determining factors

Smart consumers have a good feel for the different types of things that go into determining your auto insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get much lower annual insurance costs.

Listed below are a partial list of the pieces companies use to determine your rates.

  • Women pay lower rates – Statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Both sexes tend to get into accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DUI and reckless driving.
  • The more you drive the more you pay – The more miles you rack up on your Subaru in a year the higher your rates will be. Most insurance companies apply a rate based on their usage. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Outback can result in significantly higher rates. Make sure your auto insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Never go without insurance – Not having insurance can get your license suspended and your next policy will cost more because you let your insurance expire. Not only will you pay more, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Higher deductibles cost less – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Subaru from damage. A few examples of covered claims would be a windshield shattered by a rock, vandalism, and burglary. Your deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more money you have to pay, the less your company will charge you for insurance for Outback coverage.
  • Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. The safest vehicles result in less severe injuries and lower injury rates means lower claim amounts passed on to you as lower rates. If your Subaru Outback scored better than four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can definitely plan on higher rates. Insurance companies provide discounts to policyholders who file claims infrequently. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.

Insurance coverage basics

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as court costs, repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, a tree branch falling on your vehicle, vandalism, hitting a bird and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses like rehabilitation expenses, chiropractic care and ambulance fees. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your Outback resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, crashing into a ditch, driving through your garage door, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Have the Midas touch

We’ve covered many ideas to reduce 2010 Subaru Outback insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a small local company.

Drivers switch companies for any number of reasons including policy non-renewal, delays in responding to claim requests, denial of a claim and even poor customer service. Regardless of your reason, switching companies is easier than you think.

Cheap insurance can be sourced on the web in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Additional information