View 2019 Subaru Outback Car Insurance Quotes in 2024

Do you get frustrated by the sheer number of insurance coverage choices in your area? vehicle owners have such a large number of options that it can be a burden to find lower insurance coverage rates.

You should make it a habit to shop coverage around periodically since insurance prices go up and down regularly. Even if you got the lowest rates for Outback coverage on your last policy the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance coverage because you’re about to learn the fastest and easiest way to properly buy coverages while reducing your premium.

Compare auto insurance quotes online

The are a couple different ways to compare quotes from lots of auto insurance companies. The quickest method to find competitive 2019 Subaru Outback insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

1. The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form. This quick form eliminates the need for separate forms for each company you want a rate for. One form submission will return quotes from many national carriers. Just one form and you’re done.
2. A different way to get comparison quotes is to manually visit the website for every company you want to compare and fill out a new quote form. For example, let’s say you want comparison quotes from USAA, GEICO and Travelers. To do that, you would have to spend time on each company’s site and punch in your information repeatedly, which can be really labor intensive.

Whichever method you choose, make absolute certain that you use the exact same quote information on every quote. If each company quotes differing limits you will not be able to determine which rate is truly the best. Just slight variations in limits can result in a big premium difference. Just keep in mind that more quotes provides better odds of finding more affordable rates. Not every company provides quotes online, so it’s recommended that you also compare quotes from them, too.

Auto insurance rates and discounts

Insurance can be prohibitively expensive, but you might be missing out on some discounts to help offset the cost. Some trigger automatically at quote time, but some must be requested specifically in order for you to get them.

• Discount for Home Ownership – Owning a home can help you save on auto insurance since owning and maintaining a home shows financial diligence.
• Early Signing – Some insurance companies provide a discount for renewing your policy early. It can save you around 10%.
• Passenger Safety Discount – Options like air bags and/or automatic seat belt systems could see savings of 25 to 30%.
• Bundle and Save – If you have multiple policies and insure them both with the same insurance company you may earn at least 10 to 15 percent or more.
• Online Discount – A few larger online companies may give you up to $50 for buying a policy and signing up on your computer.
• Payment Method – If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.
• Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.
• Multiple Vehicles – Purchasing coverage when you have several vehicles on the same auto insurance policy may reduce the rate for each vehicle.

As a disclaimer on discounts, many deductions do not apply to the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will help reduce your overall premium however.

A few of the larger companies and some of the premium reductions they offer are shown below.

• GEICO offers premium reductions for multi-vehicle, air bags, military active duty, anti-lock brakes, and daytime running lights.
• MetLife may offer discounts for multi-policy, claim-free, defensive driver, good driver, and good student.
• Progressive policyholders can earn discounts including multi-policy, continuous coverage, online signing, homeowner, multi-vehicle, online quote discount, and good student.
• Travelers includes discounts for multi-policy, student away at school, multi-car, early quote, home ownership, continuous insurance, and payment discounts.
• SAFECO discounts include bundle discounts, anti-lock brakes, anti-theft, teen safety rewards, safe driver, accident prevention training, and teen safe driver.
• AAA has discounts for education and occupation, AAA membership discount, good driver, multi-policy, anti-theft, and pay-in-full.

Before purchasing a policy, check with each insurance company what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies everywhere.

Get cheaper insurance costs by understanding these factors

Multiple criteria are part of the equation when premium rates are determined. A few of the factors are predictable such as your driving history, but other criteria are less apparent like your vehicle usage or how safe your car is.

• Responsible credit saves on insurance coverage – Your credit rating is a big factor in determining what you pay. People with excellent credit scores tend to be more responsible than drivers with poor credit. If your credit rating can be improved, you could be paying less to insure your 2019 Subaru Outback by taking the time to improve your credit score.
• Only buy what you need – Insurance companies have many add-on coverages that can add up but may not be useful. Insurance for things like rental car reimbursement, high-cost glass coverage, and Farm Bureau memberships are some examples. These coverages may sound good when discussing your needs, but if you don’t need them think about removing them and cutting costs.
• Vehicle options impact insurance coverage rates – Choosing a vehicle with a theft deterrent system can earn a premium discount. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft and help lower rates.
• Never have insurance coverage lapses – Having a lapse in insurance coverage can be a fast way to increase your rates. In addition to paying higher premiums, failure to provide proof of insurance will get you a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

• How can I find cheaper teen driver insurance?
• When should my teen driver be added to my policy?
• Are all vehicle passengers covered by medical payments coverage?
• How can I get high-risk coverage after a DUI?
• Should I drop comprehensive coverage on older vehicles?
• Is borrowed equipment or tools covered if stolen or damaged?
• Will my rates increase for filing one claim?
• Do I need Motor Club coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

The coverage is in the details

Having a good grasp of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability – Liability coverage protects you from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage pays for claims such as court costs, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, fire damage and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Subaru Outback.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses for hospital visits, surgery, funeral costs, doctor visits and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, sideswiping another vehicle, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Never pay more for less

We just presented many tips how you can reduce 2019 Subaru Outback insurance premium rates online. It’s most important to understand that the more times you quote, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from an unexpected company.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. In many instances, consumers will sacrifice physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

Drivers leave their current company for many reasons like unfair underwriting practices, delays in paying claims, delays in responding to claim requests and even being labeled a high risk driver. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.