Cheapest 2014 Subaru Outback Insurance Rates in 2024

Are you tired of being strong-armed to insure your Subaru every month? You are in the same boat as millions of other consumers.

Companies like Progressive, GEICO and Farmers Insurance promote their brand names with advertising and it is difficult to ignore the flashy ads and take the time to shop coverage around.

If you are paying for car insurance now, you should be able to save some money using this information. Finding affordable coverage is not that difficult. But car owners need to have an understanding of how insurance companies compete online and use this information to your advantage.

The method we recommend to compare rate quotes is to understand car insurance companies provide online access to provide you with free rate quotes. The only thing you need to do is give the companies some data including driver details, deductibles desired, the type of vehicles you drive, and how much school you completed. Your details is instantly sent to multiple top-rated companies and you should receive rate quotes very quickly.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions can help discover if your insurance needs might need professional guidance.

• Are my tools covered if they get stolen from my vehicle?
• When can I cancel my policy?
• What discounts do I qualify for?
• Am I covered if my car is in a flood?
• Does coverage extend to Mexico or Canada?
• Do I need rental car coverage?
• Am I better off with higher deductibles on my 2014 Subaru Outback?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Coverages available on your insurance policy

Having a good grasp of a insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Subaru Outback.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, backing into a parked car, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Auto liability insurance

This can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, bail bonds, loss of income, pain and suffering and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses like funeral costs, prosthetic devices and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, falling objects, rock chips in glass, hail damage and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Use our FREE quote tool to compare rates now!