2012 Subaru Outback Insurance Cost – 5 Savings Tips

Nobody rejoices having to buy auto insurance, particularly when they could find better rates elsewhere.

Having so many companies to choose from, it’s nearly impossible to find a lower cost company.

Consumers need to get comparison quotes before your next renewal since insurance rates are variable and change quite frequently. If you had the best premium rates for Outback insurance a year ago there may be better deals available now. Forget all the misinformation about auto insurance because it’s time to teach you the only way to save money, get proper coverage and the best rates.

How much does insurance coverage cost?

There are several ways to shop for insurance coverage, but some are easier and takes less work. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use the internet to achieve your goal.

Most car insurance companies take part in a program where prospective buyers enter their policy data once, and each participating company returns a competitive quote for coverage. This saves time by eliminating quotation requests to every company. To enter your information into the quoting system, click here (opens in new window).

The single downside to getting quotes like this is that consumers can’t choose the companies to receive prices from. If you would rather choose individual companies to compare prices, we have a page of insurance coverage companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be certain you are entering equivalent coverages and limits on every price quote you get. If your comparisons have mixed coverages it’s not possible to decipher which rate is best. Just slight variations in insurance coverages or limits can result in a big premium difference. Keep in mind that comparing more rates from different companies increases your odds of finding the best price. Some companies don’t provide quotes online, so you need to compare price estimates from the smaller companies as well.

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More discounts mean lower-cost premiums

Some companies do not advertise the complete list of policy discounts in a way that’s easy to find, so the list below details both the well known and the more hidden credits that you can use to lower your rates.

• Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
• Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life policy as well.
• Club Memberships – Being a member of qualifying clubs or civic groups could earn you a nice discount on your next renewal.
• Driver Training Discounts – Taking a course teaching driver safety skills could cut 5% off your bill and easily pay for the cost of the class.
• Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

The best insurance companies and some of the discounts can be read below.

• American Family may have discounts that include early bird, TimeAway discount, good driver, bundled insurance, mySafetyValet, multi-vehicle, and defensive driver.
• Farm Bureau discounts include safe driver, multi-policy, multi-vehicle, renewal discount, driver training, and youthful driver.
• State Farm may include discounts for anti-theft, good student, passive restraint, multiple policy, Steer Clear safe driver discount, and accident-free.
• Travelers includes discounts for save driver, driver training, multi-policy, multi-car, IntelliDrive, and new car.
• The Hartford may offer discounts for defensive driver, good student, bundle, vehicle fuel type, and driver training.
• Geico has discounts for daytime running lights, defensive driver, seat belt use, military active duty, and good student.
• Progressive offers discounts for multi-vehicle, online signing, multi-policy, continuous coverage, and good student.

Double check with every company which discounts can lower your rates. Depending on the company, some discounts might not be offered in your state. To see providers that have a full spectrum of discounts, follow this link.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions might help in determining whether you might need an agent’s assistance.

• Does my policy cover my teen driver if they drive my company car?
• How do I insure my teen driver?
• Do all my vehicles need collision coverage?
• Who is covered when they drive my 2012 Subaru Outback?
• When do I need to add a new car to my policy?
• Do I pay less if my vehicle is kept in my garage?
• Is my 2012 Subaru Outback covered for flood damage?
• What is the rate difference between pleasure use and commuting?
• Can I rent a car in Mexico?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverage information

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like hospital visits, nursing services and pain medications. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

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

Comprehensive can pay for things such as hitting a deer, a broken windshield, damage from a tornado or hurricane, damage from getting keyed and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage 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. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like medical services, repair bills for other people’s vehicles, court costs, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Collision protection

Collision coverage pays for damage to your Outback from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, crashing into a building, driving through your garage door, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

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Buy online or local, you save

Budget-conscious 2012 Subaru Outback insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not have online price quotes and usually these small insurance companies sell through local independent agencies.

When shopping online for insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible for the lowest cost while still protecting your assets.

More tips and info about insurance can be found in the articles below:

• Senior Drivers (Insurance Information Insitute)
• What Auto Insurance is Cheapest for a Subaru Outback in Detroit? (DetroitInsure.com)
• Distracted Driving Statistics (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)

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