View 2013 Subaru Outback Insurance Cost

Consumers have options when looking for low-cost Subaru Outback insurance. You can either waste hours driving around to compare prices or leverage the internet to make rate comparisons. There are more efficient ways to shop for insurance coverage so you’re going to learn the absolute fastest way to price shop coverage for a new or used Subaru and get the cheapest rates from both online companies and local agents.

Smart consumers take time to compare prices quite often because rates change quite often. Just because you had the lowest price for Outback coverage on your last policy other companies may now be cheaper. There is a lot of bad information regarding insurance coverage online but with this article, you’re going to get a lot of great tips on how to save money.

If you have a current auto insurance policy or need a new policy, you will benefit by learning to shop for the lowest rates and still get good coverage. The purpose of this post is to tell you how to get online quotes. Consumers just need to understand the proper methods to compare price quotes over the internet.

Compare Auto Insurance Today

Lowering your 2013 Subaru Outback auto insurance rates is a fairly straight forward process. You just have to spend a little time comparing price quotes provided by online insurance companies. This can be done using a couple different methods.

  1. The first (and easiest) way to get quotes for comparison is a comparison rater form click here to open form in new window. This type of form prevents you from having to do repetitive form entry to each individual auto insurance company. Completing one form will return quotes from multiple companies. This is perfect if you don’t have a lot of time.
  2. A more difficult way to find lower rates is going to each company’s website and request a quote. For examples sake, let’s assume you want comparison quotes from GEICO, Allstate and Travelers. You would have to visit each site to enter your coverage information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient way to compare rates is driving to local insurance agencies. The internet makes this process obsolete unless you require the professional guidance of a local agent. However, consumers can compare the best prices online but buy from a local insurance agent.

Whichever method you choose, make absolute certain that you use apples-to-apples coverage limits for each price quote. If you use mixed coverages then you won’t be able to truly determine the lowest rate.

Pay less for 2013 Subaru Outback insurance

Companies offering auto insurance don’t list all their discounts very clearly, so we break down both well-publicized and the harder-to-find ways to save on insurance coverage. If you’re not getting every credit available, you are paying more than you should be.

  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Student in College – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Paperless Signup – Certain companies may give you up to $50 for buying your policy over the internet.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Government Employees – Employees or retirees of the government can save as much as 8% for Outback coverage with certain companies.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Passive Restraint Discount – Factory air bags may earn rate discounts up to 30%.
  • 55 and Retired – Mature drivers can possibly qualify for a small decrease in premiums for Outback coverage.

It’s important to note that most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So when the math indicates you could get a free insurance coverage policy, it doesn’t quite work that way.

Car insurance companies who might offer these benefits are:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts may not apply in your state.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I make deliveries for my home business?
  • Is my custom paint covered by insurance?
  • Do I need an umbrella policy?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

The coverage is in the details

Understanding the coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Subaru Outback.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability car insurance

This can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, falling objects and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills for dental work, rehabilitation expenses and funeral costs. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.