Lower Your 2008 Subaru Outback Insurance Quotes

Want cheaper auto insurance rates for your Subaru Outback? Nobody I know looks forward to paying for auto insurance, particularly when their premiums are too high. Big-name insurance companies like Allstate and Progressive constantly blast consumers with ad campaigns and it can be hard to see through the deception and take the time to shop coverage around.

Consumers need to do rate comparisons every six months due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best rates for Outback coverage two years ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so we’re going to give you some good information on how to quit paying high auto insurance rates.

If you have a current car insurance policy or are just looking to switch companies, you can use these tips to get lower rates while maximizing coverage. Finding affordable coverage is not rocket science. Drivers just need to learn how to shop their coverage around online.

Comprehensive Insurance Comparison Quotes

All major insurance companies such as State Farm, Geico and Progressive give prices online. Getting online quotes doesn’t take much effort as you simply type in the amount of coverage you want as requested by the quote form. After you complete the form, the company’s rating system orders your credit score and driving record and generates a price. This helps simplify price comparisons, but the work required to visit multiple sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible if you want to find better prices.

An easier way to find cheaper rates utilizes a single form that gets price quotes from many companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping much more efficient. Immediately after you send the form, it is quoted and you are able to buy any one of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To compare pricing, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you input the insurance coverages identical to your current policy. This ensures you will receive a rate comparison for the exact same coverage.

Are you falling for claims of savings?

Drivers constantly see and hear ads that promise big savings by State Farm, Geico and Progressive. They all seem to make the same claim about savings if you change to their company.

How can each company say the same thing? It’s all in the numbers.

All companies have a preferred profile for the right customer that makes them money. A good example of a driver they prefer might be profiled as over the age of 40, is a homeowner, and has excellent credit. Any new insured that hits that “sweet spot” will qualify for the lowest rates and therefore will save when switching.

Potential insureds who don’t qualify for these standards will be charged higher premiums and ends up with business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that much. That’s why insurance companies can confidently state the savings. That is why drivers must compare as many rates as you can. It’s impossible to know which insurance companies will have the lowest Subaru Outback insurance rates.

Be sure to get all your discounts

Companies offering auto insurance don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Resident Student – Any of your kids who live away from home and do not have a car can be insured at a reduced rate.
  • Clubs and Organizations – Affiliation with a professional or civic organization may earn a discount when shopping for auto insurance for Outback coverage.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Early Switch Discount – Some companies give discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Paperwork-free – Certain companies will give a small break simply for signing digitally online.
  • Claim Free – Drivers who don’t have accidents pay less when compared to accident-prone drivers.

Consumers should know that most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

For a list of companies with discount auto insurance rates, follow this link.

How do I know if I need professional advice?

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I put collision coverage on all my vehicles?
  • Is my camper covered by my car insurance policy?
  • If my pet gets injured in an accident are they covered?
  • What is covered by UM/UIM coverage?
  • Am I covered if I break a side mirror?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Collision protection

This coverage will pay to fix damage to your Outback from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, scraping a guard rail, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, rock chips in glass, fire damage, falling objects and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Subaru Outback.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for 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. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like funeral expenses, court costs, pain and suffering and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like dental work, nursing services, chiropractic care and funeral costs. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Keep this in mind

Cheap 2008 Subaru Outback insurance can be sourced both online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. A few companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

In this article, we covered some good ideas how to shop for insurance online. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even find the best prices are with the least-expected company. Regional companies often have lower prices on specific markets compared to the large companies like Geico and State Farm.

When you buy insurance online, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

More detailed insurance coverage information is located in these articles: