2008 Subaru Tribeca Insurance Quotes – 10 Discounts for Cheaper Rates

Want lower insurance rates for your Subaru Tribeca? Feel like you’re a prisoner to overpriced insurance? Trust us, there are lots of people in the same boat. There is such a variety of auto insurance companies to buy insurance from, and even though it’s nice to have a selection, too many choices makes it more difficult to find a good deal.

How to Compare Auto Insurance Quotes

Performing a rate comparison can be challenging if you don’t know the most efficient way to do it. You can spend countless hours driving to insurance companies in your area, or you could save time and use the web to get the quickest rates.

Many companies take part in a program where insurance shoppers only type in their quote data once, and each company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions to every company.

To compare pricing click here to start a free quote.

One minor caviat to comparing rates this way is that you can’t choose which carriers to get pricing from. If you would rather choose specific providers to receive pricing from, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but compare exactly the same coverages with each company. If you have higher or lower deductibles then you won’t be able to determine the best price for your Subaru Tribeca.

Do drivers who switch really save?

Consumers can’t get away from ads for car insurance savings by State Farm, Geico and Progressive. All the companies have a common claim about savings if you change to their company.

How can each company make the same claim?

Different companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer could possibly be over the age of 40, has no driving citations, and has great credit. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will pay quite a bit less when switching companies.

Potential customers who are not a match for these standards will have to pay higher rates and this can result in the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. This is how companies can truthfully state the savings. Because of the profiling, you absolutely need to quote coverage with many companies. Because you never know which car insurance company will provide you with the cheapest Subaru Tribeca insurance rates.

Discounts to lower 2008 Subaru Tribeca insurance rates

Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Homeowners Savings – Owning a house can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Passive Restraint Discount – Factory air bags can get savings of up to 25% or more.
  • Multi-car Discount – Insuring more than one vehicle with the same company qualifies for this discount.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more if you qualify.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates for Tribeca coverage.
  • Accident Free – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.

It’s important to understand that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies who might offer these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my dog or cat covered if injured in an accident?
  • How much liability coverage do I need in my state?
  • Is motorclub coverage worth it?
  • Do I really need UM/UIM coverage?
  • Do I benefit by insuring my home with the same company?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Understanding the coverages of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages offered by car insurance companies.

Collision coverages – This covers damage to your Tribeca resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

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

Comprehensive coverage pays for claims such as rock chips in glass, theft, fire damage and damage from flooding. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance – Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as bail bonds, pain and suffering, medical services and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, pain medications, funeral costs and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

A tidy conclusion

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where someone sacrificed full coverage only to find out they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the best price.

Throughout this article, we presented a lot of tips how to lower your 2008 Subaru Tribeca insurance rates. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from an unexpected company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Allstate, Geico and Progressive.

Much more information about car insurance is available at the links below