Save on 2020 Subaru Outback Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 20, 2024

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Looking for the cheapest insurance rates for your Subaru Outback? Trying to find cheap insurance is a challenge for drivers new to online rate comparisons. When there are so many companies competing online, it can easily be hard work to find a cheaper company.

It’s a good habit to price shop coverage on a regular basis due to the fact that insurance prices go up and down regularly. If you had the best quotes for Outback coverage a year ago you may be paying too much now. You can find a lot of wrong information about insurance online but in a few minutes you can learn some great ideas on how to lower your insurance rates.

Which auto insurance is cheapest?

Comparing auto insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You could waste a few hours talking to local insurance agents in your area, or you could use the internet to get rate comparisons in just a few minutes.

All the larger companies take part in a program where insurance shoppers only type in their quote data once, and each company can give them a price for coverage. This saves time by eliminating quotation requests to each company.

To find out what other companies charge enter your zip code here.

The one downside to doing it this way is you are unable to specify which companies to receive prices from. So if you want to choose specific providers to compare, we put together a list of low cost auto insurance companies in your area. Click to enter zip code.

The method you choose is up to you, but try to use the same information for each price quote. If your comparisons have different coverage information you will not be able to make a fair comparison for your Subaru Outback. Just a small difference in limits can mean a large discrepancy in price. And when comparison shopping, comparing more company’s prices helps you find lower pricing.

Find discounts to get cheap insurance coverage rates

Buying insurance coverage is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Some discounts will apply when you get a quote, but once in a while a discount must be specially asked for before you get the savings.

  • Safety Restraint Discount – Drivers who require all occupants to use their safety belts could save 15% off the personal injury premium cost.
  • Discount for Switching Early – Some insurance coverage companies give discounts for switching to them prior to your current policy expiring. Ten percent is about the average savings.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates for Outback coverage as compared to drivers with claims.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Defensive Driving Course – Taking time to complete a defensive driving class is a good idea and can lower rates depending on where you live.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, you aren’t that lucky.

A few companies that may include these money-saving discounts are:

  • Progressive
  • The Hartford
  • Mercury Insurance
  • AAA
  • State Farm

When getting a coverage quote, ask every company which discounts they offer. Depending on the company, some discounts might not be available to policyholders in your area. To choose companies who offer free insurance coverage quotes, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different.

For example, these questions might help in determining if your situation will benefit from professional help.

  • What is an SR-22 filing?
  • When should I remove comp and collision on my 2020 Subaru Outback?
  • Is my ex-spouse still covered by my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when pulling a rental trailer?
  • Does my 2020 Subaru Outback need full coverage?
  • What is roadside assistance coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out your zip code.

What determines Subaru Outback insurance prices?

An important part of buying insurance is that you know the rating factors that go into determining the level of your policy premiums. If you have some idea of what determines premiums, this allows you to make good choices that could help you find better insurance rates. Many different elements are part of the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving record, although others are more obscure like your continuous coverage or your commute time.

The items below are some of the most rate-impacting factors that factor into your rates.

  • Get cheaper prices after the wedding – Having a wife or husband may save some money on your policy. It demonstrates that you tend to be less irresponsible and insurance companies reward insureds because married couples file fewer claims.
  • Can a thief steal your car? – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft.
  • Guys pay more for insurance – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, don’t assume that women are better drivers. Both genders are responsible for accidents at a similar rate, but males get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.
  • Increase coverage deductibles and save – Insurance for physical damage to your car, aka comp and collision, insures against damage to your Subaru. Some coverage claims could be running into the backend of another car, collision with an animal, and burglary. The deductibles define how much you are willing to pay out-of-pocket before a claim is paid by your company. The more damage repair cost the insured is willing to pay, the lower your rates will be for Outback coverage.
  • Insurance is expensive for teenage drivers – Teenage drivers tend to be inattentive and easily distracted when driving with friends and because of this, their insurance rates are much higher. Parents adding a youthful driver onto your insurance can be quite pricey. More experienced drivers are proven to be safer behind the wheel, tend to file fewer claims and receive fewer citations.
  • Avoid traffic tickets – Your driving record influences premium rates substantially. Drivers with clean records have lower premiums than people who have multiple driving citations. Even a single moving violation can increase rates substantially. People who have severe tickets such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 form with their state’s department of motor vehicles in order to keep their license.
  • Little extras can really add up – Policies have additional coverages that you can get tricked into buying when buying insurance. Coverages for coverage for rental cars, high-cost glass coverage, and membership fees may be costing you every month. These may sound like a good investment when deciding what coverages you need, but now you might not need them so think about removing them and cutting costs.

Can you really save that much by switching?

Companies like Allstate, GEICO and Progressive endlessly run ads on TV and radio. All the companies state the claim about saving some big amount if you move your coverage. How do they all offer drivers better rates? It’s all in the wording.

All companies quote their best rates for the type of driver they prefer to insure. A good example of this type of risk profile may be between the ages of 30 and 50, is a homeowner, and drives less than 5,000 miles a year. Anybody that meets those criteria receive the lowest rate quotes and most likely will save some money.

People who don’t measure up to those criteria will be quoted higher rates with the end result being the customer not buying. The trick companies use is to say “people who switch” not “everyone that quotes” save money. That is how insurance companies can confidently state the savings. Because of these techniques, drivers must compare free car insurance quotes often. It is impossible to guess which company will have the best car insurance rates at this point in time.

Parts of your insurance policy

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision coverage – This coverage pays for damage to your Outback caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like funeral costs, X-ray expenses, dental work, ambulance fees and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

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

Liability coverage pays for things like attorney fees, court costs and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass, hail damage and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Subaru Outback.

Because many people carry very low liability coverage 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.

Saving money is sweet as honey

Consumers switch companies for any number of reasons including extreme rates for teen drivers, denial of a claim, high prices or even delays in paying claims. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.

You just read many tips how you can compare 2020 Subaru Outback insurance rates online. The key concept to understand is the more providers you compare, the higher your chance of finding the cheapest car insurance. Drivers may discover the best price on car insurance is with a company that doesn’t do a lot of advertising.

There are still a few companies who may not provide internet price quotes and most of the time these regional carriers sell through independent agents. Cheaper 2020 Subaru Outback insurance is possible online as well as from insurance agents, and you should be comparing both to get a complete price analysis.

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