How Much Does 2014 Subaru Outback Car Insurance Cost?

Searching for lower car insurance rates for your Subaru Outback? Overwhelmed by the crazy number of car insurance companies? Many other drivers are as well. Consumers have so many options available that it can turn into a lot of work to find the perfect company for you.

It’s important to get comparison quotes on a regular basis because insurance rates change regularly. Even if you got the lowest rates for Outback coverage six months ago there may be better deals available now. Starting now, forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the only way to lower your annual insurance bill.

This information will let you in on how car insurance quotes work. If you currently have a car insurance policy, you will most likely be able to save some money using this information. Nevertheless, vehicle owners must comprehend how big insurance companies determine prices and apply this information to your search.

How to Lower Your Car Insurance Cost

To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The easiest way by far to find competitive 2014 Subaru Outback insurance rates is to use the internet to compare rates. This can be accomplished in a couple of different ways.

The most efficient way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This method keeps you from doing boring form submissions for every car insurance company. One simple form gets you price quotes from multiple low-cost companies. This is by far the quickest method.

A harder way to get comparison quotes requires you to visit each individual company website to request a price quote. For example, let’s assume you want to compare Liberty Mutual, Safeco and Geico. 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 quicker. For a list of links to insurance companies in your area, click here.

The hardest method to get comparison rates is to spend time driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the professional guidance that only a license agent can provide. It is possible to compare the best prices online and get advice from an agent in your area.

Which method you use is up to you, but be sure to compare apples-to-apples coverage limits and deductibles for every quote you compare. If you are comparing unequal deductibles or liability limits you will not be able to determine the best price for your Subaru Outback. Quoting even small variations in coverage limits may result in large price differences. And when quoting car insurance, remember that quoting more helps you find lower pricing.

Advertising myths

Companies like State Farm, Geico and Progressive consistently run ads in print and on television. All the ads have a common claim that you can save if you change to their company. How does each company say the same thing?

All the different companies can use profiling for the type of driver they prefer to insure. For example, a desirable insured could possibly be a mature driver, is a homeowner, and has a short commute. Any new insured who fits that profile gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t qualify for the “perfect” profile will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save money. That’s why insurance companies can confidently state the savings.

Because of the profiling, drivers must get as many quotes as possible. It is impossible to predict which company will fit your personal profile best.

Lower rates by qualifying for discounts

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but less common discounts must be inquired about in order for you to get them.

  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Defensive Driver – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Outback coverage than less cautious drivers.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Homeowners Pay Less – Owning a house can save you money because maintaining a house is proof that your finances are in order.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for Outback coverage with a few car insurance companies.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Low Mileage – Driving fewer miles can earn lower rates on the low mileage vehicles.

It’s important to note that most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Check with each company how you can save money. Discounts might not be offered in your area.

Car insurance is unique, just like you

When choosing adequate coverage, there is no “perfect” insurance plan. Every situation is different.

For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Are rock chip repairs covered?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why does it cost so much to insure a teen driver?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What can I do if my company won’t pay a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I get collision insurance on every vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Specifics of your car insurance policy

Understanding the coverages of car insurance can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Liability coverages

This coverage will cover damage that occurs to people or other property. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like court costs, structural damage, bail bonds, emergency aid and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, ambulance fees, dental work and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your Outback from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, sideswiping another vehicle, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Smart shoppers get results

People change insurance companies for a number of reasons such as poor customer service, questionable increases in premium, being labeled a high risk driver or even policy non-renewal. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Budget-conscious 2014 Subaru Outback insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance coverage companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Throughout this article, we presented a lot of ways to lower your insurance rates. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from the smaller companies.

More detailed insurance coverage information can be read by following these links: