How Much Does 2015 Subaru Outback Insurance Cost?

Looking for lower car insurance rates for your Subaru Outback? Finding low-cost insurance for a new or used Subaru Outback can be a lot of work, but you can use these tips to find lower rates. There is a better way to compare car insurance rates and we’ll show you the best way to compare rates for a Subaru and locate the best price possible from local insurance agents and online providers.

How to Lower Your Insurance Coverage Cost

All major insurance coverage companies give price estimates directly from their websites. The process is fairly straightforward as you just type in your required coverages as requested by the quote form. Upon sending the form, their rating system sends out for your driving and credit reports and quotes a price.

This makes comparing rates easy, but the work required to visit a lot of sites and enter the same data into a form is monotonous and tiresome. But it is imperative to get many rate quotes if you want to find the lowest insurance coverage rates.

Rate comparisons made easy

The smarter way to lower your insurance coverage bill makes use of a single form that analyzes rates from many companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping a lot less work. Immediately after submitting the form, it is quoted and you are able to buy any one of the quotes returned. If you find a better price you can click and sign and buy the policy. It takes just a few minutes to complete and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you replicate the limits and deductibles as close as possible to your current policy. This guarantees you’re receiving rate comparison quotes for exact coverage.

Do you qualify for discounts?

Companies offering auto insurance don’t list all available discounts very clearly, so we took the time to find some of the best known and the more hidden ways to save on auto insurance. If you’re not getting every credit available, you are paying more than you should be.

  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Accident Waiver – A few companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save approximately 10% to 15%.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Life Insurance Discount – Some companies give a break if you buy a life insurance policy as well.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Own a Home – Owning a home can help you save on auto insurance because owning a home is proof that your finances are in order.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.

It’s important to understand that most discount credits are not given the the whole policy. Most only cut specific coverage prices like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of providers who offer auto insurance discounts, click here to view.

Why your Subaru Outback insurance rates may be high

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to better insurance rates.

  • Cautious drivers pay less – Only having one speeding ticket can increase rates twenty percent or more. Good drivers get better rates compared to drivers with tickets. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with the DMV in their state in order to keep their license.
  • Too many insurance claims drive up costs – If you frequently file small claims, you can definitely plan on higher rates. Car insurance companies award lower rates to insureds who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Credit scores impact insurance rates – Credit history is a big factor in calculating your insurance rates. Therefore, if your credit rating is not that good, you could be paying less to insure your 2015 Subaru Outback by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Multi-policy discounts can save money – Some companies provide better rates to policyholders who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to ensure the best deal.

Don’t assume everyone needs the same coverage

When it comes to choosing coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • Are my friends covered when driving my 2015 Subaru Outback?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How do I file an SR-22 for a DUI in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my personal policy cover me when driving out-of-state?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

The coverage is in the details

Learning about specific coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Outback.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

This covers damage to your Outback caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, colliding with a tree, backing into a parked car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses like doctor visits, dental work and surgery. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage protects against things like hail damage, hitting a bird, damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like legal defense fees, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Final thoughts

We just showed you a lot of information how to get a better price on 2015 Subaru Outback insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the best price on insurance is with an unexpected company.

When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, drivers have reduced physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Drivers who switch companies do it for a number of reasons such as poor customer service, extreme rates for teen drivers, delays in paying claims or even an unsatisfactory settlement offer. Regardless of your reason, finding a new company can be easier than you think.

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