2018 Subaru Outback Car Insurance Quotes

Want cheaper auto insurance rates for your Subaru Outback? Comparing car insurance quotes online may seem complicated initially if you are one of the many people new to online price comparisons. But don’t be dismayed because it’s actually quite easy.

If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. This article will help educate you on the most effective way to quote insurance. Although vehicle owners do need to know the methods companies use to price online insurance.

How to find the cheapest insurance

There are a lot of ways to compare insurance prices but there is one way that is easier and takes less work. You can waste a few hours (or days) talking to local insurance agents in your area, or you could save time and use online quotes to quickly compare rates.

Most major companies participate in an industry program where insurance shoppers only type in their quote data once, and each company returns a competitive quote for coverage. This prevents consumers from doing quote requests to each company. To compare rates now click here to start a free quote.

One minor caviat to pricing coverage this way is you can’t choose which carriers you want to price. If you prefer to choose from a list of companies to compare rates, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make sure you use the same deductibles and coverage limits with every price quote. If the quotes have higher or lower deductibles you can’t possibly determine the lowest rate for your Subaru Outback. Even a minor difference in insurance coverages can result in a big premium difference. It’s important to know that comparing more company’s prices helps increase your odds of locating a better price.

Insurance coverage discounts help lower rates

Some companies don’t list every discount they offer in an easy-to-find place, so the below list has a few of the more well known and the harder-to-find insurance coverage savings.

• Online Discount – Some of the larger companies will provide an incentive just for signing your application on their website.
• Accident Waiver – This one isn’t a discount, but some insurance companies allow you one accident before they charge you more for coverage so long as you are claim-free before the accident.
• Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
• Clubs and Organizations – Affiliation with qualifying employment or professional organizations could earn you a nice discount on insurance coverage.
• Distant College Student Discount – Any of your kids who are attending college and leave their car at home can receive lower rates.
• Discount for Passive Restraints – Factory air bags or motorized seat belts may qualify for discounts up to 30%.
• Low Mileage – Driving fewer miles can earn lower rates on the low mileage vehicles.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on a single policy qualifies for this discount.
• Good Student – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
• Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off the medical payments premium.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, insurance coverage companies aren’t that generous. But any discount should help reduce the amount you pay for coverage.

The best insurance coverage companies and their possible discounts can be read below.

• Esurance may include discounts for paid-in-full, Pac-12 alumni, anti-lock brakes, DriveSense, renters, multi-policy, and safety device.
• The Hartford policyholders can earn discounts including bundle, air bag, vehicle fuel type, good student, anti-theft, driver training, and defensive driver.
• AAA offers premium reductions for good driver, multi-policy, good student, education and occupation, multi-car, anti-theft, and pay-in-full.
• Geico may offer discounts for military active duty, driver training, air bags, five-year accident-free, anti-lock brakes, and anti-theft.
• State Farm offers discounts for safe vehicle, passive restraint, good student, Drive Safe & Save, anti-theft, and multiple autos.

When quoting, ask every prospective company which credits you are entitled to. Discounts might not be offered on policies in your area. To choose insurance companies offering insurance coverage discounts, click here.

Which is the best auto insurance?

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions can aid in determining whether or not you would benefit from professional advice.

• Do I need medical payments coverage since I have good health insurance?
• Are my friends covered when driving my 2018 Subaru Outback?
• How much liability coverage do I need in my state?
• Why am I required to get a high-risk car insurance policy?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I need PIP (personal injury protection) coverage in my state?
• Should I have a commercial auto policy?
• Should I buy full coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage options for a Subaru Outback

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, vandalism, hitting a deer and falling objects. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and 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. So UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for prosthetic devices, pain medications and surgery. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage