Save on 2010 Subaru Outback Car Insurance Rates

Are you sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as most other car owners.

Multiple car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer to discover the definitive lowest cost out there.

Consumers need to take a look at other company’s rates periodically because rates tend to go up over time. Just because you found the lowest price for Outback insurance six months ago you can probably find a better price now. Starting right now, ignore everything you know about auto insurance because you’re going to learn the right way to remove unneeded coverages and save money.

If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Choosing the best insurance company for you is not rocket science. Nevertheless, drivers benefit from understanding how the larger insurance companies market on the web and use this information to your advantage.

Take discounts and save

Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but a few must be inquired about prior to getting the savings.

  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • 55 and Retired – Older drivers may receive a discount up to 10% for Outback insurance.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Distant Student – Children who live away from home and don’t have a car may qualify for this discount.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Student Driver Training – Have your child successfully complete driver’s ed class in school.
  • Good Student Discount – This discount can earn a discount of 20% or more. This discount can apply up to age 25.

It’s important to understand that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, insurance companies aren’t that generous. Any qualifying discounts will reduce your overall premium however.

To see a list of insurance companies with the best insurance discounts, click here to view.

Elements that influence Subaru Outback insurance rates

Consumers need to have an understanding of the rating factors that go into determining insurance coverage rates. Knowing what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Older drivers save more – Young drivers are known to be less responsible when behind the wheel so they pay higher insurance coverage rates. Older insureds tend to be more responsible, tend to cause fewer accidents and get fewer tickets.
  • Traffic citations inflate rates – Only having one citation can bump up the cost twenty percent or more. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers with flagrant tickets like DUI or reckless driving are required to file a SR-22 with their state DMV in order to keep their license.
  • Sex matters – The statistics show women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Men and women cause accidents in similar numbers, but the males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.
  • Do you work long hours in a high stress job? – Jobs such as lawyers, business owners and financial analysts are shown to have higher average rates in part from high stress levels and lengthy work days. Conversely, occupations like pilots, engineers and the unemployed pay the least for Outback insurance.
  • Liability insurance protects assets – Liability insurance will protect you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Lower miles equals lower premium – The more you drive in a year’s time the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage get more affordable rates than those used for commuting. Verify your insurance coverage policy is showing the correct driver usage. If your policy improperly rates your Outback can cost quite a bit.

Which policy gives me the best coverage?

When buying the right insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might help in determining if your insurance needs may require specific advice.

  • Does my insurance cover a custom paint job?
  • Does coverage extend to a rental car in a foreign country?
  • What is high-risk coverage and where do I buy it?
  • Can I afford to buy a different vehicle if my 2010 Subaru Outback is totaled?
  • Where can I get insurance after a DUI in my state?
  • Do I need an umbrella policy?
  • How much liability coverage do I need in my state?
  • What happens if I owe more than my 2010 Subaru Outback is worth?
  • How do I insure my teen driver?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like Progressive, Geico, Allstate and State Farm constantly bombard you with ads on television and other media. They all make an identical promise of big savings if you switch to their company. How does each company make the same claim? This is how they do it.

All companies are able to cherry pick for the right customer that makes them money. For example, a driver they prefer might be profiled as a mature driver, has no prior claims, and drives less than 7,500 miles a year. A driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t meet these standards will be charged a more expensive rate which leads to business not being written. The ads say “customers who switch” not “everybody who quotes” save money. That’s why insurance companies can make those claims.

That is why you should get a wide range of price quotes. Because you never know which company will have the lowest Subaru Outback insurance rates.

Coverages available on your policy

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Collision coverage – Collision coverage pays for damage to your Outback caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as attorney fees, medical expenses, emergency aid, court costs and medical services. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses like surgery, funeral costs and hospital visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Subaru Outback.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a deer, hitting a bird and rock chips in glass. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Buy online or local, you save

The cheapest 2010 Subaru Outback insurance is attainable on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer online price quotes and these regional insurance providers work with independent agents.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. In many instances, someone dropped collision coverage and learned later that it was a big error on their part. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.

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