Lower Your 2012 Subaru Outback Insurance Cost

Looking for the cheapest auto insurance rates for your Subaru Outback? Have you had enough of scraping the payment together each month for car insurance? You are no different than the majority of other car owners. Companies like State Farm, Allstate, Geico and Progressive persitently shower you with catchy ads and it is difficult to see past the geckos and flying pigs and find the best price available.

If you have insurance now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Finding the best rates is not rocket science. Drivers just need to understand the best way to shop online.

Comprehensive Insurance Comparison Quotes

Cutting your insurance rates is surprisingly easy. You just have to invest a few minutes comparing rates provided by online insurance companies. This can be done in a couple of different ways.

  • The recommended way to get quotes would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for multiple quote forms for every insurance company. One form will return price quotes direct from many companies.
  • A more time consuming way to find lower rates requires a trip to each individual company website to complete their respective quote request forms. For instance, let’s assume you want comparison quotes from Progressive, Farmers and State Farm. To find out each rate you need to spend time on each company’s 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.

  • The most time-consuming method to get comparison rates is to drive around to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you require the professional guidance that only a license agent can provide. It is possible to find lower rates online and still use a local agent.

Whichever way you use, compare identical information with every price quote. If each company quotes different deductibles it will be impossible to make a fair comparison for your Subaru Outback.

Save $481 a year. For real?

Drivers get pounded daily by advertisements that promise big savings from companies such as State Farm, Allstate and Geico. All the ads have a common claim of big savings if you move your policy.

How does each company say the same thing?

Different companies are able to cherry pick for the type of driver that earns them a profit. An example of a preferred risk might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t meet these standards will be charged higher premiums which leads to the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save money. That’s why companies can truthfully claim big savings. That is why drivers must compare many company’s rates. It is impossible to predict which company will fit your personal profile best.

More discounts equal less premium

Auto insurance companies don’t always publicize all available discounts very well, so the following is a list of some of the best known as well as the least known auto insurance savings. If you don’t get every credit available, you’re paying more than you need to.

  • Sign Early and Save – A few companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Club Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on auto insurance on Outback coverage.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Save over 55 – Older drivers may receive better auto insurance rates on Outback coverage.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies don’t profit that way.

Car insurance companies that may have these discounts may include but are not limited to:

Before buying, ask each insurance company how you can save money. Discounts may not apply in your area.

It’s not one size fits all

When buying coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

  • Am I getting all the discounts available?
  • What is an SR-22 filing?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Will my insurance pay for OEM parts?
  • Is my teen driver covered when they drive my company car?
  • Do I benefit by insuring my home with the same company?
  • Do I have newly-aquired coverage?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Car insurance 101

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Liability insurance

This coverage provides protection from damage that occurs to other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values 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 $50,000 of coverage for damaged propery.

Liability coverage pays for things like emergency aid, medical services and court costs. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive protection

This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, hitting a bird, vandalism and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills for surgery, prosthetic devices, ambulance fees and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Get your money’s worth

You just read many ways to reduce 2012 Subaru Outback insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the best price on car insurance is with some of the lesser-known companies. They often have lower prices on specific markets than the large multi-state companies such as Geico and State Farm.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where an insured cut physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at a price you can afford while still protecting your assets.

Even more information is available at these sites: