Lower Your 2011 Subaru Outback Car Insurance Quotes

Trying to find better car insurance rates for your Subaru Outback? Overpriced Subaru Outback insurance can overdraw your savings account and make it impossible to make ends meet. Doing a price comparison is a great way to cut your insurance bill.

You have multiple insurers to buy insurance from, and even though it’s nice to be able to choose, having more insurance companies makes it harder to find the lowest cost provider.

Quick Auto Insurance Quotes

There are several ways to compare Subaru Outback auto insurance quotes, but one way is easier and takes less work. You can waste a lot of time talking to local insurance agents in your area, or you could save time and use online quoting to maximize your effort.

Many of the larger companies participate in an industry program that enables customers to only type in their quote data once, and each participating company then returns a price quote. This system prevents you from having to do repetitive form submissions for each company.

To find out how much you’re overpaying now click here to open in new window.

The only downside to pricing coverage this way is that you can’t choose which providers to get pricing from. So if you prefer to pick individual companies to compare rates, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverages with each company. If you use unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Subaru Outback. Slightly different limits may cause a big price difference. And when comparison shopping, comparing a large number of companies helps locate better pricing.

Are car insurance companies telling the truth?

Car insurance companies such as State Farm, Geico and Progressive continually stream ads on TV and radio. They all seem to make the same claim that you can save after switching to them. How does each company make almost identical claims? It’s all in the numbers.

All companies have a preferred profile for the type of customer that earns them a profit. For example, a desirable insured could possibly be over the age of 50, insures multiple vehicles, and has great credit. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don’t measure up to the requirements will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “people who quote” save that much money. That’s the way companies can truthfully claim big savings. Because of the profiling, drivers must get as many comparisons as possible. You cannot predict which car insurance company will fit your personal profile best.

Don’t miss these discounts

Companies offering auto insurance don’t necessarily list all their discounts very clearly, so we researched both well-publicized as well as the least known insurance coverage savings.

  • Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Driver Safety – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Multi-policy Discount – If you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Outback coverage with certain companies.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Sign Online – Certain companies will give a small break simply for signing online.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.

Keep in mind that many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, insurance coverage companies aren’t that generous.

A partial list of companies that possibly offer these money-saving discounts include:

Before buying, ask each company which discounts they offer. Savings might not be offered everywhere.

When might I need help?

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help highlight if your situation may require specific advice.

  • Am I covered if hit by an uninsured driver?
  • How much liability do I need to cover my assets?
  • What can I do if my company won’t pay a claim?
  • When should I buy a commercial auto policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I buy additional glass protection?
  • Does car insurance cover theft of personal property?
  • I have health insurance so do I need medical payments coverage?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage breakdown

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2011 Subaru Outback.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, rolling your car, damaging your car on a curb, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like hospital visits, ambulance fees, chiropractic care and doctor visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability coverage

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t 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. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims like loss of income, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, hail damage, vandalism and a broken windshield. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Knowledge is power

We covered a lot of tips how to save on 2011 Subaru Outback insurance. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the best prices are with a small local company. Regional companies often have lower prices on specific markets than the large multi-state companies such as Allstate, Geico and Progressive.

When shopping online for insurance, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice collision coverage and learned later they didn’t purchase enough coverage. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.

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