Lower Your 2021 Subaru Outback Car Insurance Quotes in 2024

Trying to find lower insurance coverage rates for your Subaru Outback? Are you kicking yourself for buying overpriced insurance coverage? Don’t sweat it because there are many consumers feeling the pinch from expensive insurance coverage.

Many insurers vie to insure your vehicles, so it’s not easy to compare every insurer to get the best rates possible.

The quickest method we recommend to compare rate quotes is to understand most larger insurance companies will pay a fee to give free rates quotes. To get started, all you need to do is provide details such as whether you are single or married, how you use your vehicles, if you have an active license, and the year, make and model of vehicles. Your insurance information is submitted instantly to many of the top insurers and you receive quotes with very little delay.

To compare rates for your Subaru Outback now, click here and enter your zip code.

Don’t overlook these car insurance discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Some discounts apply automatically when you quote, but once in a while a discount must be requested specifically before you will receive the discount.

• Defensive Driving Course – Participating in a safe driver course can save you 5% or more if you qualify.
• Save with a New Car – Adding a new car to your policy may earn a small discount because newer models keep occupants safer.
• Discounts for Federal Employees – Active or retired federal employment can save as much as 8% for Outback coverage with certain companies.
• Good Student – Performing well in school may save you up to 25%. Most companies allow this discount up to age 25.
• Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for Outback coverage than drivers with accidents.
• Organization Discounts – Being a member of certain professional organizations could qualify you for a break on car insurance.
• Theft Deterrent System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
• First Accident Forgiveness – but a few companies such as Allstate and Progressive allow you one accident before your rates go up as long as you don’t have any claims for a specific time period.
• No Claim Discounts – Insureds who avoid accidents and claims get the best car insurance rates compared to drivers who are more careless.

Discounts lower rates, but most discount credits are not given to the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Popular car insurance companies and their offered discounts can be found below.

• GEICO offers discounts for anti-theft, multi-vehicle, seat belt use, defensive driver, anti-lock brakes, multi-policy, and federal employee.
• Mercury Insurance has discounts for good driver, accident-free, location of vehicle, multi-car, annual mileage, and multi-policy.
• Farmers Insurance has savings for electronic funds transfer, good student, youthful driver, pay in full, multi-car, homeowner, and distant student.
• Auto-Owners Insurance discounts include anti-lock brakes, paperless, teen driver, student away at school, anti-theft, and good student.
• Liberty Mutual includes discounts for preferred payment discount, new move discount, new vehicle discount, multi-car, safety features, and multi-policy.
• SAFECO may have discounts that include anti-lock brakes, drive less, teen safe driver, accident prevention training, multi-car, and bundle discounts.
• Progressive may offer discounts for continuous coverage, online quote discount, multi-policy, multi-vehicle, online signing, homeowner, and good student.
• USAA offers discounts including driver training, vehicle storage, new vehicle, good student, annual mileage, safe driver, and military installation.

If you need the cheapest auto insurance quotes, ask every company to give you their best rates. Some of the discounts discussed earlier might not be offered in your state. To see providers with discount car insurance rates, enter your zip code here.

When to get professional advice

When it comes to buying coverage, there is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.

• What is the difference between comprehensive and collision coverage?
• What is the minimum liability in my state?
• Is my trailer covered?
• Is my cargo covered for damage or theft?
• Is my Subaru Outback covered if I use it for business?
• Does my insurance cover my expensive audio equipment?
• Am I covered when driving on a suspended license?
• Are my friends covered when driving my car?
• Do I need replacement cost coverage?
• Is Motor Club coverage worth it?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out your zip code.

How your Outback insurance rates are determined

Many things are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving history, although others are not quite as obvious like your continuous coverage or how safe your car is. Smart consumers have a good feel for some of the elements that come into play when calculating your policy premiums. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that may result in better car insurance rates.

• Gender as a rate factor – Statistics show females are less aggressive when driving. However, don’t assume that men are WORSE drivers than women. Men and women are responsible for auto accidents in similar numbers, but guys cause more damage and cost insurance companies more money. Men also tend to get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers tend to get in the most accidents and therefore have the most expensive car insurance rates.
• Bad driving leads to higher costs – Attentive drivers tend to pay less for car insurance as compared to those with violations. Even a single driving citation may cause rates to rise by as much as thirty percent. Drivers who have gotten severe citations such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state’s licensing department in order to legally drive.
• Infrequent drivers can save – The more miles you rack up on your Subaru in a year the higher your rates will be. Many insurance companies apply a rate based on how the vehicle is used. Autos left parked in the garage can be on a lower rate level than those that get driven frequently. An incorrectly rated Outback may be costing you higher rates. It’s a good idea to make sure your car insurance policy properly reflects the correct usage.
• Marriage equates to better premiums – Having a spouse can get you a discount when buying car insurance. It translates into being more mature and responsible and insurance companies like that married couples file fewer claims.
• Better rates with anti-theft devices – Selecting a car model with an alarm system can earn a premium discount. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
• Pay more if you have a long commute – Being located in a small town has it’s advantages when it comes to car insurance. People who live in big cities have to deal with congested traffic and higher rates of accident claims. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates.

Car insurance policy coverages for a Subaru Outback

Understanding the coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on the average car insurance policy.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses such as prosthetic devices, hospital visits, doctor visits, chiropractic care and surgery. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability can pay for claims like medical expenses, court costs, legal defense fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for claims such as hail damage, fire damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This covers damage to your Outback caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, colliding with a tree, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Subaru Outback.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

More comparisons equals lower rates

Affordable 2021 Subaru Outback insurance can be purchased from both online companies in addition to many insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. There are still a few companies who may not provide rates over the internet and most of the time these small insurance companies work with local independent agencies.

While you’re price shopping online, never reduce coverage to reduce premium. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to find out that it was a big mistake. The aim is to find the BEST coverage at the best cost, but do not skimp to save money.