Compare 2003 Subaru Outback Car Insurance Quotes

Vehicle owners fed up with high insurance prices and are new to price shopping insurance coverage online are likely to find buying the cheapest insurance can be quite difficult.

Find discounts on car insurance

Not many people think insurance is cheap, but there’s a good chance there are discounts that could drop your premiums quite a bit. Certain discounts will be applied at quote time, but occassionally some discounts must be manually applied before you get the savings.

• Discount for New Cars – Buying insurance coverage on a new vehicle can get you a discount because new vehicles have to meet stringent safety requirements.
• Homeowners Pay Less – Owning a home may trigger a policy discount on car insurance since home ownership means you have a higher level of financial diligence.
• Multiple Vehicles – Buying a policy with several vehicles on one policy can reduce the rates for all insured vehicles.
• Membership in Organizations – Affiliation with qualifying clubs or civic groups is a good way to get lower rates on your bill.
• Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
• Multiple Policy Discount – If you can bundle your homeowners and auto insurance with one insurance company they may give you a discount of up to 20% and get you cheaper insurance.

Just know that some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

For a list of providers who offer discounts, click here to view.

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Educated choices result in lower insurance rates

A large part of saving on insurance is knowing some of the things that help calculate the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower premium levels. Lots of things are part of the calculation when quoting car insurance. Some are obvious such as traffic violations, but some are not as apparent such as your marital status and annual miles driven.

• Better rates with anti-theft devices – Driving a car with a theft deterrent system can save you a little every year. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your car from being stolen.
• Driving citations hurt – Even one moving violation may cause rates to rise by as much as twenty percent. Attentive drivers pay lower auto insurance prices than bad drivers. Drivers with dangerous violations such as reckless driving, hit and run or driving under the influence might be required by their state to complete a SR-22 with their state’s licensing department in order to prevent a license revocation.
• Insurance costs and driver gender – Statistics show women are more cautious behind the wheel. However, this does not mean females are better drivers. Males and females tend to get into auto accidents at a similar rate, but men have accidents that have higher claims. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI). Teenage male drivers have the highest risk to insure so it costs more to insure them.
• Pay less with a high safety rating – Cars with five star safety ratings are cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Subaru Outback has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions may help you determine if your situation may require specific advice.

• Does my 2003 Subaru Outback need full coverage?
• What exactly is covered by my policy?
• What is PIP insurance?
• Do I need rental car coverage?
• Should I carry comprehensive and collision coverage?
• Where can I get insurance after a DUI in my state?
• Do I have any recourse if my insurance company denies a claim?
• Does my insurance cover my expensive audio equipment?
• Are my tools covered if they get stolen from my vehicle?
• Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Specific coverage details

Having a good grasp of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement.

Liability

Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as court costs, funeral expenses, pain and suffering, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Coverage for collisions

This covers damage to your Outback from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, backing into a parked car, scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Subaru Outback.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This pays to fix your vehicle from 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 insurance covers claims like rock chips in glass, hail damage, damage from flooding and damage from getting keyed. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage pay for expenses for nursing services, doctor visits, surgery and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

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In the end, you save

People switch companies for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, being labeled a high risk driver or even policy non-renewal. It doesn’t matter why you want to switch finding the right insurance coverage provider is easier than you think.

We just showed you a lot of tips how to save on 2003 Subaru Outback insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on insurance coverage is with a small local company.

Some insurance companies don’t offer online price quotes and many times these regional carriers only sell coverage through independent agents. More affordable insurance coverage is possible from both online companies as well as from independent agents, so you should compare both to get a complete price analysis.

Much more information about insurance coverage can be found at these links:

• Speed and Speed Limit FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)

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