2003 Subaru Outback Insurance Rates

Want better insurance rates for your Subaru Outback? Overpriced Subaru Outback insurance can empty your savings account and force you to prioritize other expenses. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. Consumers have many car insurance companies to purchase coverage from, and even though it’s nice to be able to choose, it can be more challenging to find a good deal.

You should take the time to shop coverage around once or twice a year because insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest rates for Outback insurance six months ago there may be better deals available now. Block out anything you think you know about insurance because we’re going to demonstrate the best methods to find better coverage at a better price.

Choosing the best insurance company for you is not that difficult. If you have insurance now or are shopping for new coverage, you can use these techniques to find better prices and still get good coverage. Drivers just need to know how to compare rates over the internet.

Finding Car Insurance

Shopping for lower car insurance rates can be challenging if you don’t understand the most efficient way to do it. You can waste hours talking about coverages with agents in your area, or you could save time and use the internet to get the quickest rates.

Many of the larger companies are enrolled in a marketplace where insurance shoppers complete one form, and each participating company then gives them pricing. This eliminates the need for repetitive form submissions to each company.

To get comparison pricing now click here to start a free quote.

The only drawback to pricing coverage this way is you don’t know exactly which insurance companies to receive prices from. If you prefer to choose specific insurance companies to request quotes from, we put together a list of the cheapest car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using the exact same deductibles and coverage limits for every company. If you enter different limits and deductibles on each one you will not be able to decipher which rate is best.

Discounts can save BIG

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so we break down both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Outback insurance than drivers with accidents.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for Outback insurance depending on your company.
  • Low Mileage Discounts – Keeping the miles down on your Subaru could be rewarded with discounted rates on garaged vehicles.

Consumers should know that most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, it just doesn’t work that way.

Companies that may offer these benefits include:

Double check with each company which discounts they offer. Some discounts might not apply everywhere.

Will just any policy work for me?

When it comes to choosing adequate coverage, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Is business equipment covered while in my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Do I need roadside assistance coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is a blown tire covered by insurance?
  • Why do I only qualify for high-risk insurance?
  • What if I don’t agree with a claim settlement offer?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Why you might be paying too much to insure your Subaru Outback

It’s important that you understand some of the elements that go into determining the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get big savings.

  • Your insurance coverage rates can be influenced by your job – Careers like real estate brokers, social workers and stock brokers tend to pay the highest rates attributed to stressful work requirements and long work hours. On the other hand, jobs such as actors, students and the unemployed have the lowest average rates for Outback insurance.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse is a sure-fire way to increase your insurance coverage rates. Not only will rates go up, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
  • Optional equipment can affect rates – Owning a car with an alarm system can get you a discount on your insurance coverage. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • More than one policy can earn a discount – The majority of insurers provide better rates to customers who carry more than one policy such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • Teen drivers pay high rates – More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers have a tendency to be more careless when driving therefore insurance coverage rates are much higher.

Ads can be misleading

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like Allstate and Progressive. They all seem to have a common claim that you’ll save big if you change to them.

How does each company claim to save you money? This is how they do it.

All companies can use profiling for the type of driver they prefer to insure. A good example of a preferred risk might be between 30 and 50, insures multiple vehicles, and has a short commute. A propective insured who fits that profile is entitled to the best price and as a result will probably save quite a bit of money when switching.

Potential customers who fall outside this ideal profile will be charged higher prices which usually ends up with the customer not buying. The ads say “people who switch” not “everyone that quotes” save that kind of money. This is how companies can advertise the savings. That is why it is so important to compare many company’s rates. Because you never know the company that will fit your personal profile best.

Insurance coverages 101

Understanding the coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Collision – This will pay to fix damage to your Outback from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, rolling your car, sideswiping another vehicle, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance – Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as bail bonds, medical expenses, emergency aid and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as surgery, dental work, rehabilitation expenses, nursing services and ambulance fees. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, fire damage and damage from a tornado or hurricane. The maximum 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 consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Outback.

Because many people have only the minimum liability required by law, 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.

Quote more. Save more.

In this article, we covered a lot of techniques to get a better price on 2003 Subaru Outback insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or Geico.

Lower-priced insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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