2012 Subaru Outback Car Insurance Quotes

Locating cheaper insurance for a new or used Subaru Outback could be difficult, but you can learn the following methods to save time.

There are both good and bad ways to buy insurance coverage so you’re going to learn the quickest way to quote coverages on a Subaru and locate the lowest price either online or from local insurance agents.

Buying the best coverage can be fairly easy. If you have insurance now or need a new policy, you can use this information to get lower rates while maintaining coverages. Drivers just need to understand how to get comparison quotes on the web.

Companies offer discounts so take them!

Insurance can be prohibitively expensive, buy you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but some may not be applied and must be asked about before you will receive the discount. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Early Switch Discount – A few companies offer discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of at least 10% off all policies.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in high school.
  • Accident Waiver – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.

Drivers should understand that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will help reduce your premiums.

For a list of insurance companies offering insurance discounts, follow this link.

Vehicle Insurance Comparison

Finding lower car insurance rates isn’t really that difficult. Drivers just need to take time to get quotes from different insurance companies. This can be done in a couple of different ways.

The easiest and least time consuming way to get the best comparison quotes is a comparison rater form click to view form in new window. This method saves time by eliminating boring form submissions for each company. Taking the time to complete one form will return quotes from many national carriers. This is by far the quickest method.

A slightly less efficient method to compare rate quotes is spending the time to visit each individual company website to complete their respective quote request forms. For instance, we’ll pretend you want to compare Liberty Mutual, Progressive and Travelers. You would have to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

The least recommended way of getting rate comparisons is to spend your day driving to and from local insurance agencies. The internet has reduced the need for local agents unless you want the trained guidance of a licensed agent. However, consumers can obtain prices from the web but still have the advice of a local agent.

Whichever way you use, double check that you are using identical quote information for every quote you compare. If each company quotes different limits and deductibles on each one it will be next to impossible to make an equal comparison.

Do I just need basic coverages?

When buying adequate coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Will my insurance pay for OEM parts?
  • Am I covered if my car is in a flood?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can my teen drive my company car?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

What insurance coverages do you need?

Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like pain medications, doctor visits and nursing services. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, damage from getting keyed, hail damage and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

Liability coverage can cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as loss of income, bail bonds, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision insurance

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

Collision can pay for claims such as backing into a parked car, rolling your car, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

The best insurance company isn’t always the cheapest

When you buy insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut liability coverage limits only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Low-cost 2012 Subaru Outback insurance can be bought from both online companies and with local insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Drivers leave their current company for any number of reasons including policy cancellation, questionable increases in premium, being labeled a high risk driver or extreme rates for teen drivers. No matter why you want to switch, switching insurance coverage companies is not as hard as you think.

Much more information about insurance coverage is available below: