Save on 2014 Subaru Outback Car Insurance Rates

Looking for better insurance coverage rates for your Subaru Outback? Paying for high-priced Subaru Outback insurance can overdraw your bank account and force you to make sacrifices. Doing a price comparison is free and is an excellent way to lower your monthly bill. Since consumers have many different company options, it can be challenging to pick the most cost effective company.

Pay less for 2014 Subaru Outback insurance

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. Some trigger automatically at the time of quoting, but a few need to be requested specifically before you will receive the discount. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Defensive Driver – Completing a driver safety course could cut 5% off your bill depending on where you live.
  • Low Mileage Discounts – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Outback insurance than less cautious drivers.
  • Multiple Policy Discount – If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.

It’s important to note that some credits don’t apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will bring down your premiums.

Car insurance companies that may offer these money-saving discounts include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings may not apply everywhere.

Comprehensive Auto Insurance Comparison

Getting better 2014 Subaru Outback auto insurance pricing is not a difficult process. You just need to take a couple of minutes getting comparison quotes online with multiple companies. This can be done in a couple of different ways.

  • One of the simplest ways to find low rates is a comparison rater form click here to open form in new window. This form prevents you from having to do separate quotes for every auto insurance company. A single form compares rates from many national carriers.
  • A different way to get comparison quotes is going to the website for each individual company to request a price quote. For examples sake, let’s assume you want rates from Farmers, Geico and Progressive. To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  • The least recommended way of getting rate comparisons is to spend time driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the personal advice of a licensed agent. However, consumers can comparison shop your insurance online but still have the advice of a local agent.

It’s up to you which method you use, but make sure you use identical coverage information on every quote you get. If your comparisons have higher or lower deductibles you will not be able to decipher which rate is best.

Subaru Outback insurance rates are influenced by…

Consumers need to have an understanding of the rating factors that go into determining the price you pay for car insurance. Having a good understanding of what determines base rates allows you to make educated decisions that could result in big savings.

  • Do you know you’re credit rating? – Credit score is a big factor in determining your rates. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores. So if your credit score is low, you could save money insuring your 2014 Subaru Outback by spending a little time repairing your credit.
  • Sex matters – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Women and men cause accidents in similar percentages, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.
  • How’s your driving record? – Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Even a single moving violation can bump up the cost by as much as thirty percent. Drivers with flagrant tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Liability coverage protects you – The liability section of your policy is the protection in the event that a court rules you are at fault for damages caused by your negligence. It provides for a legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Little extras can really add up – There are a lot of extra bells and whistles that you can get tricked into buying on your car insurance policy. Things like rental car reimbursement, accidental death and term life insurance are examples of these. They may seem like a good idea at first, but if they’re wasting money remove them from your policy.
  • Older drivers pay less – Teen drivers have a tendency to be careless and easily distracted when driving so car insurance rates are higher. If you’ve ever had to add a teen driver to your car insurance policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.
  • Occupation reflects on rates – Jobs such as judges, social workers and dentists tend to have the highest average rates attributed to high stress and long work hours. Other occupations such as farmers, historians and the unemployed receive lower rates on Outback insurance.
  • More miles equals more premium – Driving more miles each year the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars not used for work or commuting receive lower rates compared to those used for work or business. Improper usage on your Outback can result in significantly higher rates. Ask your agent if your car insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

  • Am I covered if my car is in a flood?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When should I drop full coverage on my 2014 Subaru Outback?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered when pulling a rental trailer?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When should my teen driver be added to my policy?
  • What exactly is covered by my policy?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Save $392 a year. For real?

Consumers constantly see and hear ads for the lowest price auto insurance by State Farm, Geico and Progressive. They all say the same thing that you can save if you switch to their company.

How do they all make almost identical claims?

Insurance companies are able to cherry pick for the right customer they prefer to insure. A good example of a driver they prefer might be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. Any new insured who fits that profile will get the preferred rates and as a result will probably save quite a bit of money when switching.

Consumers who do not match the requirements must pay higher prices which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can confidently advertise the way they do.

This illustrates why drivers must compare many company’s rates. It is impossible to predict which company will provide you with the cheapest Subaru Outback insurance rates.

Insurance coverage basics

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like X-ray expenses, EMT expenses, prosthetic devices and hospital visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for collisions

Collision insurance covers damage to your Outback resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability

Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, medical expenses, repair costs for stationary objects and pain and suffering. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, hitting a deer and vandalism. The maximum amount 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 probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Subaru Outback.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Shop. Compare. Save.

We just presented many tips how you can shop for 2014 Subaru Outback insurance online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a lesser-known regional company. They can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

When shopping online for car insurance, never buy poor coverage just to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

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