Cheaper 2009 Subaru Outback Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Subaru Outback? Have you had enough of trying to scrape together enough money to buy car insurance? Your situation is no different than most other car owners. With consumers having so many choices of insurance companies, it is hard for the average consumer to pick the most affordable company.

You should make it a habit to take a look at other company’s rates yearly because prices are usually higher with each renewal. Even if you think you had the best deal on Outback insurance a year ago there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the fastest way to eliminate unnecessary coverages and save money.

Save big with these discounts

Insuring your vehicles can cost a lot, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but a few need to be inquired about prior to getting the savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Multiple Policy Discount – When you have multiple policies with the same company you will save at least 10% off all policies.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Low Mileage Discounts – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
  • Multi-car Discount – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Resident Student – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
  • E-sign – A few companies may give you up to $50 for buying a policy and signing up online.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck. But any discount will cut your premiums.

For a list of insurance companies offering car insurance discounts, click this link.

Compare Auto Insurance Costs

Finding lower auto insurance rates is not rocket science. The only thing you need to do is invest a little time comparing rate quotes online with multiple companies. This can be accomplished in several different ways.

  1. The most efficient way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing separate forms for each company you want a rate for. One form submission gets rate comparisons from auto insurance companies with the best prices.
  2. A more time consuming way to get quotes online requires a trip to the website for every company you want to comare to complete a price quote. For instance, let’s say you want to compare rates from Allstate, Progressive and GMAC. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular. To view a list of companies in your area, click here.

Which method you use is up to you, but make absolute certain that you use the exact same coverage limits and deductibles for every company. If you enter different limits and deductibles on each one then you won’t be able to decipher which rate is best.

But I don’t know anything about car insurance

When it comes to buying adequate coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions might point out if you could use an agent’s help.

  • Are rock chip repairs covered?
  • Does having multiple vehicles earn me a discount?
  • What is medical payments coverage?
  • Does medical payments coverage apply to all occupants?
  • Is my nanny covered when driving my vehicle?
  • How much can I save by bundling my policies?
  • Why do I only qualify for high-risk insurance?
  • What is the ISO rating for a 2009 Subaru Outback?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Specific coverages for a Subaru Outback

Having a good grasp of your insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision insurance will pay to fix damage to your Outback caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability

This can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as emergency aid, medical expenses, pain and suffering, loss of income and court costs. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as doctor visits, prosthetic devices, X-ray expenses and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2009 Subaru Outback.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Shop. Compare. Save.

While you’re price shopping 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 an accident victim reduced comprehensive coverage or liability limits only to regret that it was a big mistake. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

We covered a lot of information how to lower your 2009 Subaru Outback insurance rates. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the lowest priced car insurance comes from a small local company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

To learn more, feel free to visit the resources below: