Being forced to pay for pricey car insurance premiums can draw down your budget and force you to cut corners elsewhere.
A recent NerdWallet.com study revealed that over 70% of Arizona drivers renewed their policy with the same company for a minimum of four years, and virtually 40% of consumers have never compared rates with other companies. Most drivers in the U.S. could save themselves as much as 46.5% a year, but most just don't grasp how much they could save if they switched to a cheaper policy. You have multiple car insurance companies to pick from, and although it's nice to be able to choose, too many choices makes it more difficult to adequately compare rates for Subaru Outback insurance in Phoenix.
It's a great practice to compare premium rates periodically because prices are variable and change quite frequently. Despite the fact that you may have had the best deal on Subaru Outback insurance in Phoenix a few years ago you may be paying too much now. You'll find a ton of advice on Outback insurance online but you can learn some of the best techniques to quit paying high car insurance rates in Phoenix.
The easiest way to get policy rate comparisons for Subaru Outback insurance in Phoenix takes advantage of the fact auto insurance companies pay for the opportunity to give rate comparisons. To begin a comparison, all you need to do is take a few minutes to give details including how old drivers are, if the vehicle is leased, types of safety features, and if you require a SR-22. The rating information is automatically sent to insurance carriers in your area and they return cost estimate very quickly.
If you wish to get multiple quotes for your Subaru Outback now, click here and complete the quick form.
The providers in the list below have been selected to offer quotes in Phoenix, AZ. If several companies are displayed, we suggest you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$126||$208||$288||$18||$86||$726||$61|
|Outback 2.5I Limited||$162||$246||$300||$18||$90||$816||$68|
|Outback 3.6R Premium||$164||$262||$282||$16||$84||$808||$67|
|Outback 3.6R Limited||$216||$342||$308||$18||$92||$976||$81|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific location information which can affect insurance rates considerably.
Auto insurance premiums based on gender
The diagram below compares Subaru Outback insurance prices for male and female drivers. The price estimates are based on no violations or claims, full coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Car insurance policy discounts for Subaru Outback insurance in Phoenix
Car insurance can cost a lot, but there are discounts available that many consumers don't even know exist. Certain credits will be shown at quote time, but a few need to be requested specifically before you will receive the discount.
- Phoenix Homeowners Discount - Just owning your own home can help you save on car insurance because it requires a higher level of personal finance.
- Smart Student Discounts - This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
- Active Service Discounts - Being on active deployment in the military could qualify you for better rates.
- College Student - Any of your kids who are attending college and leave their car at home can receive lower rates.
- Auto/Home Discount - If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
- Onboard Data Collection - Drivers that enable their car insurance company to scrutinize driving patterns by using a telematic data system such as In-Drive from State Farm or Allstate's Drivewise system might get better premium rates if their driving habits are good.
You should keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, companies don't profit that way. But all discounts will definitely lower your policy premium.
A list of car insurance companies and their offered discounts are outlined below.
- Progressive includes discounts for online signing, multi-policy, multi-vehicle, continuous coverage, and good student.
- SAFECO discounts include safe driver, teen safety rewards, homeowner, drive less, and multi-car.
- American Family policyholders can earn discounts including accident-free, good student, early bird, TimeAway discount, and defensive driver.
- MetLife offers discounts including good driver, accident-free, claim-free, defensive driver, good student, multi-policy
- GEICO offers discounts for daytime running lights, emergency military deployment, federal employee, seat belt use, and good student.
- The Hartford offers premium reductions for driver training, anti-theft, bundle, air bag, and good student.
Check with every company which discounts can lower your rates. Savings might not be offered in your area. To see car insurance companies who offer free Subaru Outback insurance quotes in Arizona, click here to view.
Insurance agent or online?
Many people still prefer to visit with an insurance agent and that can be a smart move Most agents are trained to spot inefficiencies and help you file claims. The best thing about getting free rate quotes online is that you can obtain lower rates and also buy local.
By using this short form, your coverage information is instantly submitted to local insurance agents in Phoenix who will gladly provide quotes for your insurance coverage. You won't need to leave your house due to the fact that quote results will go to you. If for some reason you want to compare rates from a particular provider, feel free to jump over to their website and submit a quote form there.
Picking an insurance company requires more thought than just the bottom line cost. A good agent in Phoenix will have answers to these questions.
- What kind of financial rating does the company have?
- How long have they worked with personal auto insurance coverage?
- Is every driver in your family covered?
- Will their companies depreciate repairs to your car based on the mileage?
- How is replacement cost determined on your vehicle?
After talking to the agent and getting acceptable answers to any questions you may have and a good coverage price, it's a good possibility that you have found an provider that can be relied on to provide car insurance coverage.
Seven Tips to Get Cheaper Phoenix Insurance Rates
Many different elements are used when quoting car insurance. Some are obvious like your driving record, although others are not as apparent such as your marital status and annual miles driven. Smart consumers have a good feel for the rating factors that help determine your premiums. If you have some idea of what influences your rates, this allows you to make educated decisions that can help you get lower rates.
- Women tend to take less risk - Statistics demonstrate women tend to be less risk to insure than men. However, don't assume that females are better at driving than males. Females and males have accidents in similar numbers, but males cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more costly citations such as reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high insurance rates.
- How's your driving record? - Just one citation may cause rates to rise forty percent or more. Drivers who don't get tickets pay lower auto insurance prices compared to drivers with tickets. Drivers unfortunate enough to have serious tickets like DUI or willful reckless driving may find they need to maintain a SR-22 with their state motor vehicle department in order to legally drive.
- Premiums are affected by your credit rating - Having a bad credit history is likely to be a major factor in determining your rates. People with high credit scores tend to file fewer claims and have better driving records as compared to drivers with bad credit. Therefore, if your credit rating is not that good, you may save money insuring your Subaru Outback by improving your rating.
- Save money by having multiple policies - Most major insurance companies provide a discount to policyholders who carry more than one policy. It's known as a multi-policy discount. Discounts can add up to ten percent or more. Even if you qualify for this discount already, drivers will still want to compare other Phoenix Outback insurance rates to help guarantee you have the best rates.
- Liability insurance is critical - Your policy's liability coverage kicks in when you are ruled to be at fault for damages caused by your negligence. Liability provides legal defense to defend your case. It is affordable coverage compared to physical damage coverage, so do not skimp.
- Raising physical damage deductibles lowers premiums - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some instances where coverage would apply are colliding with a building, damage caused by hail, or theft. Your deductibles define how much you are willing to pay before your insurance pays a claim. The more money the insured is willing to pay, the less your insurance will be.
- City traffic equals higher rates - Choosing to live in small towns and rural areas may provide you with better prices if you are looking for the lowest rates. Lower population means less chance of accidents and a lower car theft rate. Drivers in populated Arizona areas tend to have more auto accidents and more time behind the wheel. Spending more time driving means more chance of being in an accident.
- Insurance loss data for a Subaru Outback - Insurers analyze the history of losses to calculate a rate that will offset losses. Vehicles that have higher losses will have higher premium rates.
The table below shows the collected loss data for Subaru Outback vehicles. For each policy coverage type, the claim probability for all vehicles combined as an average is a value of 100. Values under 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate higher probability of having a loss or a tendency for claims to be larger.
Insurance Loss Ratings for Subaru Outback Vehicles
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Subaru Outback 4WD 58 68 106 63 64 68 Subaru Outback with Eyesight 4WD 57 46 106 61 58 40
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Choosing Subaru Outback insurance is an important decision
Despite the high cost of buying insurance for a Subaru Outback in Phoenix, insuring your vehicle is a good idea for several reasons.
- Almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you don't want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Outback, almost every bank will make it mandatory that you have insurance to protect their interest in the vehicle. If you default on your policy, the bank will be required to insure your Subaru for a much higher rate and force you to pay much more than you were paying before.
- Insurance protects your car and your assets. Insurance will also pay for medical bills for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of carrying adequate insurance outweigh the cost, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $750 every year so compare quotes from several companies at every policy renewal to help ensure money is not being wasted.
Smart consumers save more
Discount Subaru Outback insurance in Phoenix is possible online in addition to many Phoenix insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies may not provide rates over the internet and these small, regional companies only sell through independent insurance agencies.
We've covered a lot of ways to compare Subaru Outback insurance auto insurance rates in Phoenix. It's most important to understand that the more you quote Phoenix car insurance, the higher your chance of finding cheaper Phoenix car insurance quotes. You may even find the lowest auto insurance rates are with a company that doesn't do a lot of advertising. These companies often have lower premium rates on specific markets compared to the large companies like State Farm and Allstate.
More detailed car insurance information is located by following these links:
- Tools for Teen Driving Safety (State Farm)
- What Car Insurance is Cheapest in Phoenix, Arizona? (FAQ)
- Who Has Cheap Car Insurance Rates for 16 Year Olds in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for Lyft Drivers? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- State Laws for Cellphones and Texting (iihs.org)
- Rollover Crash FAQ (iihs.org)