2002 Subaru Outback Car Insurance Rates

Searching for better insurance coverage rates for your Subaru Outback? Scraping up a payment for high-priced Subaru Outback insurance can sap your savings and put a big crunch on your finances. Comparing rates annually can be a smart way to lower your monthly bill.

Many insurance companies vie for your business, so it’s not easy to compare every insurance company and get the definite best rate

It’s important to do price comparisons on a regular basis because insurance coverage rates go up and down regularly. Just because you had the best deal for Outback insurance a couple years back you can probably find a lower rate today. There are a lot of ways to save on insurance coverage online, but you can learn a lot of great tips on how to quit paying high insurance coverage rates.

If you have insurance now or are shopping for new coverage, you can use these techniques to find better prices while maximizing coverage. Finding the best rates is not that difficult. Drivers just need to understand the proper way to buy insurance on the web.

The fastest way that we advise to get policy rate comparisons is to know most of the larger companies participate in online systems to give rate comparisons. The only thing you need to do is provide a little information such as if it has an alarm system, your general credit rating, if your license is active, and if the vehicle is leased. That rating data is instantly submitted to all major companies and they return cost estimate almost instantly.

Beware of misleading car insurance ads

Consumers constantly see and hear ads that claim the best prices from companies such as Allstate and Progressive. They all say the same thing about savings if you get a free auto insurance quote and switch your coverage.

Is it even possible that every company can have lower policy pricing? It’s all in the numbers.

Many companies have specific characteristics for a prospective insured that will most likely be profitable. For example, a preferred risk should be over age 30, carries full coverage, and drives less than 7,500 miles a year. A propective insured who matches that profile receives the best premium rates and most likely will save if they switch.

Potential customers who do not meet these criteria may be required to pay higher prices which translates to the customer not buying. The ad wording is “drivers who switch” but not “everyone who gets a quote” save that kind of money. This is how insurance companies can advertise the way they do.

This illustrates why you really need to get auto insurance quotes from several different companies. Because without a comparison, you cannot know with any certainty which company will have the best premium rates.

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Take advantage of every car insurance discount

Companies offering auto insurance don’t necessarily list all available discounts very well, so we took the time to find a few of the more well known as well as some of the hidden discounts that you may qualify for. If you aren’t receiving every discount you deserve, you are just wasting money.

• Include Life Insurance and Save – If the company offers life insurance, you could get better premium rates if you take out auto and life insurance together.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
• Auto/Home Discount – If you can combine your auto and homeowners policy and place coverage with the same company you could save at least 10 to 15 percent or more.
• Online Discount – A few insurance companies provide a small discount for buying a policy and signing up on their website.
• Homeowners Discount – Simply owning a home may earn you a small savings since owning and maintaining a home shows financial diligence.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies who might offer most of these discounts include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

If you are trying to find inexpensive auto insurance quotes, ask each company what discounts are available to you. Some credits might not be offered in your state. For a list of providers offering car insurance discounts, follow this link.

How to know if you need help

When buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. For example, these questions can help discover if you will benefit from professional help.

• Do I need PIP (personal injury protection) coverage in my state?
• Exactly who is provided coverage by my policy?
• Am I covered by my spouse’s policy after a separation?
• Should I get collision insurance on every vehicle?
• What can I do if my company denied a claim?
• Will my vehicle be repaired with OEM or aftermarket parts?
• How much liability coverage do I need in my state?
• How much underlying liability do I need for an umbrella policy?
• Do I need motorclub coverage?
• Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Having a good grasp of a car insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Collision coverages – This will pay to fix damage to your Outback resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, sideswiping another vehicle, damaging your car on a curb, rolling your car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, theft, a tree branch falling on your vehicle and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for bills such as surgery, prosthetic devices, EMT expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Liability coverages – Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as structural damage, legal defense fees, medical services and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

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Be a smart shopper

Cheap 2002 Subaru Outback insurance can be found on the web and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and most of the time these regional carriers provide coverage only through local independent agents.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped full coverage only to find out that the savings was not a smart move. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

You just read many ideas to save on 2002 Subaru Outback insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding the cheapest auto insurance. Consumers may even find the lowest prices come from some of the lesser-known companies. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

Other resources

• Things to Know Before you Cancel Insurance (Allstate)
• Understanding your Policy (NAIC.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Information for Teen Drivers (Geico)
• Distracted Driving Statistics (Insurance Information Insitute)

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