2004 Subaru Outback Car Insurance Rates

When looking for lower-priced insurance, are you overwhelmed by the number of insurance choices in your area? Lot’s of other drivers are too. Consumers have so many options that it can quickly become a ton of work to find better prices.

Consumers should take time to compare prices yearly because insurance rates fluctuate regularly. Just because you had the best deal for Outback coverage a few years ago the chances are good that you can find a lower price today. Forget all the misinformation about insurance because you’re going to learn the easiest way to find better rates and still maintain coverage.

Finding affordable coverage is easy if you know what you’re doing. Just about everyone who is shopping for car insurance will most likely be able to find lower rates. Nevertheless, car owners need to have an understanding of the way companies compete online and take advantage of how the system works.

Four factors that impact insurance premiums

The best way to find cheaper insurance is to take a look at a few of the rating criteria that go into determining the rates you pay for insurance. When you understand what determines base rates, this helps enable you to make changes that can earn you big savings. Many different elements are part of the calculation when you get your auto insurance bill. Some factors are common sense like your driving record, but some are not quite as obvious like your vehicle usage or how financially stable you are.

• Don’t cut corners with liability coverage – A critical coverage on your policy, liability insurance will provide protection if you are responsible for an accident. It provides for a legal defense to attempt to prove you were not liable. It is affordable coverage when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
• Traffic violations will cost you – Your driving citation history can have a huge impact on auto insurance premiums. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Having just one speeding ticket or other violation may increase your cost by as much as twenty percent. People who have serious violations such as DUI or willful reckless driving may find they need to complete a SR-22 to the state department of motor vehicles in order to continue driving.
• When should you not file a policy claims? – If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance companies generally give discounts to people who do not file claims often. Your insurance policy is designed for claims that pose a financial burden.
• Get better rates if married – Having a wife or husband may save some money when shopping for insurance. It usually means you are more mature than a single person it has been statistically shown that married drivers tend to file fewer claims.

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Insurance policy discounts you can’t miss

Some insurance providers do not list every discount in an easy-to-find place, so here is a list some of the more common and the harder-to-find discounts that may be available.

• Multi-car Discount – Having primary and secondary vehicles on one policy could earn a price break for each car.
• Early Signing – Some larger companies reward drivers for switching policies before your current coverage expires. This can save 10% or more.
• Discount for Life Insurance – Insurance companies who offer life insurance give lower premium rates if you buy a life insurance policy as well.
• Accident-Free Discounts – Drivers with accident-free driving histories have much lower rates as opposed to drivers who are more careless.
• Drive Safe and Save – Drivers without accidents may receive a discount up to 45% for Outback coverage than less cautious drivers.
• No Charge for an Accident – This isn’t a discount exactly, but some insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
• Distant College Student Discount – Children who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky.

Companies that may offer policyholders most of the discounts above possibly include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

Double check with all companies you are considering which discounts you qualify for. Savings might not be offered on policies in your area. To view insurers who offer cheap insurance quotes, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm, Allstate and Geico endlessly run television and radio advertisements. They all seem to make an identical promise that drivers can save some big amount just by moving your policy. How is it possible that every company can give you a lower rate? It’s all in the numbers.

Insurance companies quote the lowest rates for the type of customer that will be a good risk. For instance, a profitable customer may need to be between 30 and 50, owns their home, and drives a lower-performance vehicle. Someone that fits those parameters receives the best car insurance rates and therefore will save a lot if they switch.

Insureds who do not fit those criteria will be quoted more expensive rates and ends up with the customer not purchasing. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently make claims like that. Because each company has a different risk profile, you should compare free insurance quotes often. Because you cannot predict which insurance companies will be your best fit.

Insurance agents can help

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my medical payments coverage pay my health insurance deductible?
• Should I carry comprehensive and collision coverage?
• Am I covered if I hit a deer?
• Is motorclub coverage worth it?
• When do I need to add a new car to my policy?
• Can I still get insurance after a DUI?
• Who is covered by my policy?
• Should I buy full coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

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Coverages available on your policy

Knowing the specifics of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2004 Subaru Outback.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as structural damage, funeral expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for doctor visits, dental work and funeral costs. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision insurance

Collision coverage will pay to fix damage to your Outback caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, hitting a mailbox, scraping a guard rail 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. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Compare but don’t skimp

People leave their current company for any number of reasons including questionable increases in premium, high rates after DUI convictions, poor customer service or even high prices. Regardless of your reason, finding a new company is not as hard as you think.

As you prepare to switch companies, never reduce coverage to reduce premium. There are many occasions where an insured cut collision coverage and found out when filing a claim that they should have had better coverage. The goal is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

We covered a lot of information how to lower your 2004 Subaru Outback insurance rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance is with a smaller regional carrier.

Helpful articles

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• How Much are Car Insurance Rates for a Subaru Outback in Austin? (AustinCarInsuranceQuotes.com)
• Car Insurance: When not to Skimp (BankRate.com)
• Understanding Limits and Deductibles (Allstate)
• Car Insurance FAQ (Trusted Choice)
• State Laws for Cellphones and Texting (iihs.org)

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