How to Find Cheaper Subaru Outback Insurance
If finding affordable car insurance was easy, most of us would take the time to do it. But we always seem to pay too much for coverage and most people would rather go to the dentist. You probably feel the same way about finding lower cost coverage for your Subaru Outback.
Step One: Shop Around
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Welcome to the 21st century!
All the major car insurance companies sell insurance for a Subaru Outback and you can compare their rates by entering your information only one time.
To find affordable coverage for your Subaru Outback, the first step is to click the link below and complete the short form.
Quote Tip! In order to accurately compare rates for your Outback, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Techniques to Lower your Outback Insurance Rates
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a Outback.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- Ask your insurance company if there is a discount for completing a driver's safety course. It may get you up to a 10% discount at your next renewal.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
Step Three: Select the Best Company for Your Needs
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Subaru off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Outback will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
To do more research on car insurance, visit the Insurance Information Institute website.