How Much Does 2001 Subaru Outback Car Insurance Cost?

If you’re new to shopping for car insurance quotes online, you may be bewildered by the large number of local and online companies that all promise to save you money.

It’s a good idea to take a look at other company’s rates on a regular basis since insurance prices change frequently. Even if you think you had the best rates for Outback insurance last year you can probably find a better premium rate now. Ignore everything you know about auto insurance because you’re about to find out the only way to properly buy coverages while reducing your premium.

If you have car insurance now, you will be able to save some money using these techniques. This article will familiarize you with how to get online quotes and some tricks to saving. But drivers can benefit from knowing how the larger insurance companies sell insurance online.

How to get insurance coverage quotes

There are multiple methods to shop for insurance coverage, but one way is less time-consuming than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

Many insurance companies are enrolled in a marketplace where prospective buyers complete one form, and at least one company provides a quote for coverage. This eliminates the need for quote requests to each company.

To compare pricing click here (opens in new window).

The only drawback to pricing coverage this way is that consumers can’t choose which providers you want to price. So if you want to choose individual companies for rate comparison, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just make absolute certain that you use apples-to-apples coverage information for each quote you get. If your comparisons have unequal deductibles or liability limits it will be next to impossible to find the best deal for your Subaru Outback. Even a minor difference in insurance coverages can result in a big premium difference. And when quoting insurance coverage, remember that comparing a wide range of rates provides better odds of finding the best rates.

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Cheap insurance quotes with discounts

Not many people think insurance is cheap, but you may find discounts that could help you make your next renewal payment. Some discounts will apply when you quote, but less common discounts must be asked for before they will apply. If you do not double check each discount you deserve, you are paying more than you should be.

• Organization Discounts – Affiliation with a civic or occupational organization could qualify you for a break when getting a car insurance quote.
• Switch and Save Discount – Some insurance companies reward drivers for switching to them prior to the expiration date on your current policy. This discount can save up to 10%.
• Payment Method – If you pay your bill all at once rather than paying in monthly installments you could save 5% or more.
• Resident Student – Kids who live away from home at college and do not have access to a covered vehicle could get you a discount.
• Discount for Low Mileage – Low annual miles can earn substantially lower premium rates.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few popular companies and the discounts they provide are detailed below.

• Farm Bureau has savings for youthful driver, driver training, multi-policy, 55 and retired, good student, and multi-vehicle.
• State Farm discounts include good student, multiple autos, passive restraint, Drive Safe & Save, multiple policy, driver’s education, and Steer Clear safe driver discount.
• Progressive offers discounts for homeowner, multi-policy, good student, multi-vehicle, and online signing.
• Allstate policyholders can earn discounts including good student, senior citizen, premier discount, anti-theft, teenSMART discount, FullPay discount, and new car.
• Nationwide may offer discounts for multi-policy, easy pay, defensive driving, family plan, good student, anti-theft, and business or organization.
• MetLife includes discounts for good driver, multi-policy, accident-free, claim-free, and defensive driver.

Check with each company the best way to save money. Some discounts listed above may not be available in your area. If you would like to choose from a list of providers that provide some of the discounts listed above, follow this link.

Save money with these tips

Part of the car insurance buying process is learning the different types of things that aid in calculating the level of your policy premiums. If you have a feel for what determines base rates, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs. Lots of things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but others are not quite as obvious like your vehicle usage or your vehicle rating.

Listed below are just a few of the factors used by companies to determine your rates.

• Credit rating impacts prices – Having a bad credit rating is a large factor in determining what you pay for car insurance. People with excellent credit tend to file fewer claims than drivers who have poor credit scores. Therefore, if your credit can use some improvement, you could pay less to insure your 2001 Subaru Outback by improving your rating.
• Companies want multiple policies – Many insurance companies will give lower prices to buyers who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to verify if the discount is saving money. Consumers may save more without the discount by buying insurance from more than one company.
• Better drivers pay less – Having a clean driving record impacts your car insurance rates tremendously. Getting just one speeding ticket or other violation may cause rates to rise by as much as thirty percent. Drivers who don’t get tickets have lower premiums as compared to careless drivers. Drivers unfortunate enough to have dangerous tickets such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form with their state in order to legally drive.
• Youthful drivers cost more – More experienced drivers are proven to be safer behind the wheel, are lower risk to insure and are safer drivers.Beginning drivers are known to be easily distracted behind the wheel therefore car insurance rates are much higher.
• Your vocation and car insurance rates – Did you know your career choice can influence rates? Occupations such as fire fighters, executives and stock brokers are shown to have higher rates than average attributed to high stress levels and incredibly demanding work hours. On the other hand, occupations such as scientists, historians and homemakers have lower than average premiums for Outback insurance.
• Marriage discount – Having a significant other may earn you lower rates compared to being single. Having a spouse means you’re more mature and it’s statistically proven that married drivers get in fewer accidents.
• Insurance companies don’t like frequent car insurance claims – If you are a frequent claim filer, you can look forward to higher rates. Companies award the best rates to people who do not file claims often. Your insurance policy is intended for claims that you cannot pay yourself.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions might point out if your insurance needs might need an agent’s assistance.

• Where can I find high-risk insurance?
• Why is insurance for a teen driver so high?
• Is my teenager covered with friends in the car?
• Is my babysitter covered when using my vehicle?
• What is no-fault insurance?
• How can I get high-risk coverage after a DUI?
• How can I get my company to pay me more for my totalled car?
• Do I pay less if my vehicle is kept in my garage?
• Which is better, split liability limits or combined limits?
• Is extra glass coverage worth it?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

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Save $455 a year? Really?

Popular insurance coverage providers such as State Farm, Geico and Progressive endlessly run television and radio advertisements. They all make the point that drivers can save some big amount after switching to their company. Is it even possible that every company can charge lower premium rates?

Many companies give the best rates for the type of insured that will be a good risk. For instance, a profitable customer might be described as a married female, insures multiple vehicles, and drives a car with an anti-theft system. Any new insured who meets those qualifications will get a cheap rate quote and is almost guaranteed to save a lot of money.

Drivers who fall short of the ideal profile may be required to pay higher rates which translates to the customer buying from someone else. The trick is to say “customers that switch” not “all people who quote” can get the lowest rates when switching. This is how companies can truthfully make those statements. Because of these techniques, it’s extremely important to compare rate quotes every year. Because without a comparison, you cannot know which insurance coverage company will have the lowest rates for your situation.

Coverages available on your insurance policy

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses such as prosthetic devices, surgery and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Subaru Outback.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as loss of income, repair bills for other people’s vehicles, repair costs for stationary objects, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for collisions

Collision insurance covers damage to your Outback resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance 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 claims such as fire damage, hitting a deer, damage from flooding and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

In Summary

Lower-priced auto insurance is attainable on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and these small insurance companies only sell coverage through independent agents.

When you buy car insurance online, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find for the lowest cost.

In this article, we covered some good ideas how to lower your 2001 Subaru Outback insurance rates. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from some of the smallest insurance companies.

More learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Determing Auto Insurance Rates (Geico)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)

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