Trying to find better insurance prices for your Subaru Tribeca in Texas can be a lot of work, but you can learn these tips and make it easy.
There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to get price quotes for a Subaru and find the lowest price either online or from San Antonio insurance agents.
The majority of larger companies allow you to get insurance quotes online. Doing online quotes for Subaru Tribeca insurance in San Antonio can be done by anyone as all you need to do is type in your personal and coverage information into a form. After you complete the form, the system obtains credit information and your driving record and generates a price.
Quoting online for Subaru Tribeca insurance in San Antonio makes comparing rates easy, and it is imperative to perform this step in order to find the most affordable premium possible.
If you want to use this form to compare rates, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you copy your coverages identical to your current policy. Using the same limits helps guarantee you will be getting comparison quotes for the exact same coverage.
The following companies have been selected to offer comparison quotes in San Antonio, TX. If multiple companies are listed, we suggest you click on several of them to get the most competitive price.
Discounts can help to save on Subaru Tribeca insurance in San Antonio
Auto insurance is expensive, but there’s a good chance there are discounts to reduce the price significantly. Certain credits will be shown when you complete an application, but a few need to be requested specifically in order for you to get them.
- Discount for Life Insurance – Insurance carriers who offer life insurance give lower rates if you buy a life policy as well.
- Low Mileage Discounts – Low mileage vehicles could earn substantially lower rates.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Bundle and Save – If you insure your home and vehicles with one company they may give you a discount of at least 10% off all policies.
- Early Signing – Some larger companies reward drivers for switching policies prior to the expiration date on your current Tribeca insurance policy. It can save you around 10%.
- Discounts for Government Workers – Employees or retirees of the government could provide a small rate reduction depending on your auto insurance provider.
- Data Collection Discounts – San Antonio drivers who agree to allow their auto insurance company to analyze driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
- Defensive Driver Discounts – Taking a class that teaches safe driver techniques is a good idea and can lower rates if your company offers it.
- Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
Don’t be shocked that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.
The information below illustrates the comparison of Subaru Tribeca auto insurance costs with and without policy discounts. The prices are based on a male driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, multi-policy, safe-driver, and homeowner discounts applied.
If you would like to choose from a list of companies that provide some of the discounts listed above in Texas, click this link.
Analysis of coverages
The table displayed next covers different insurance policy prices for Subaru Tribeca models. Having a good grasp of how prices are calculated helps drivers make informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tribeca 3.6R Limited||$160||$312||$366||$22||$110||$970||$81|
|Tribeca 3.6R Premium||$160||$312||$366||$22||$110||$970||$81|
|Tribeca 3.6R Touring||$178||$312||$366||$22||$110||$988||$82|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in zip code location which can raise or lower premium rates substantially.
The example below shows how different deductible levels and can increase or decrease Subaru Tribeca insurance prices for different age groups. The data assumes a married male driver, comp and collision included, and no discounts are applied.
Subaru Tribeca liability rates compared to full coverage
The illustration below compares Subaru Tribeca premium costs with full physical damage coverage and with liability coverage only. The information is based on no accidents or driving violations, $250 deductibles, single status, and no policy discounts are applied.
When to stop buying physical damage coverage
There is no written rule of when to eliminate full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s say your Subaru Tribeca book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after paying the physical damage deductible. If premiums are more than $800 annually to have full coverage, then you may want to consider only buying liability coverage.
There are some scenarios where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
Buying insurance from San Antonio insurance agencies
Some consumers just want to sit down with an agent and there is nothing wrong with that. Good agents will help you protect your assets and help file insurance claims. A good thing about comparing insurance online is you may find cheaper car insurance rates but also keep your business local. Buying from neighborhood insurance agencies is important particularly in San Antonio.
To help locate an agent, after submitting this simple form, your insurance data is emailed to participating agents in San Antonio that can provide free San Antonio car insurance quotes to get your business. You won’t need to leave your house since rate quotes are delivered directly to you. In the event you want to compare rates for a specific company, you just need to visit that company’s website and give them your coverage information.
Pick the best auto insurance agent in San Antonio for you
If you are wanting to purchase insurance from a local insurance agency, there are a couple of different agency structures and how they function. Agencies in San Antonio can be classified as either exclusive or independent agents depending on their company appointments. Both can sell insurance policies, but it is important to understand the difference between them since it can impact buying decisions.
Independent agents can quote rates with many companies so they have the ability to put coverage amongst many companies and get the cheapest rates. If they find a cheaper price, they simply move the coverage in-house and you can keep the same agent. When searching for an agent, we recommend you get rate quotes from multiple independent agents to ensure the widest selection of prices. Many can place coverage with lesser-known insurance companies which can be an advantage.
Below is a list of independent agencies in San Antonio that may be able to provide price quotes.
- Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map
- Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150 – San Antonio, TX 78216 – (210) 738-3537 – View Map
- Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only write with one company like State Farm, Allstate, or Farmers Insurance. These agents are not able to shop your coverage around so you might not find the best rates. They receive extensive training on sales techniques which aids in selling service over price. Some people will only purchase coverage from exclusives mainly due to high brand loyalty and the convenience of having all coverages with one company.
Shown below is a short list of exclusive insurance agencies in San Antonio willing to provide comparison quotes.
- Jacqui Lugar – State Farm Insurance Agent
1248 Austin Hwy Ste. 202 – San Antonio, TX 78209 – (210) 822-2121 – View Map
- Gregg Gandy – State Farm Insurance Agent
13421 Blanco Rd – San Antonio, TX 78216 – (210) 492-0314 – View Map
- State Farm: John Pitre
825 W Bitters Rd #105 – San Antonio, TX 78216 – (210) 514-1083 – View Map
Finding a good insurance agency requires more thought than just a cheap price quote. Ask your prospective agent these questions:
- Do they have designations such as AIC, CPCU, or CIC?
- Do they make recommendations based only on price?
- How is replacement cost determined on your vehicle?
- Can glass claims be handled at your home?
- Are there any extra charges for paying monthly?
Car insurance can get complicated
When selecting your policy for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different.
For instance, these questions might point out whether you could use an agent’s help.
- When can I cancel my policy?
- What is the premium to book value ratio for dropping full coverage?
- What if I owe more than I can insure my car for?
- Does low annual mileage earn a discount?
- When would I need rental car insurance?
- Does my insurance cover a custom paint job?
- Do I have any recourse if my insurance company denies a claim?
- What is glass protection for?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.
How do Insurance Companies Determine Subaru Tribeca Insurance Costs?
Consumers need to have an understanding of some of the elements that are used to determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that could result in much lower annual insurance costs. Lots of factors are used when you quote your car insurance policy. Most are fairly basic such as traffic violations, although others are more transparent like your continuous coverage or how financially stable you are.
The items below are a few of the “ingredients” used by your company to calculate your rate level.
Safer vehicles save money – Cars with five star safety ratings get lower rates. Highly rated vehicles protect occupants better and fewer serious injuries means your insurance company pays less and more competitive rates for policyholders.
Don’t cancel your car insurance policy without a new one in place – Letting your insurance expire will be a fast way to bump up your car insurance costs. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time. You will then be forced to file a SR-22 with the Texas DMV.
Lower premiums with theft deterrents – Choosing a vehicle with a theft deterrent system can help bring down rates. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
Where you reside can affect premiums – Living in a small town can be a good thing when talking about car insurance. Drivers in populated areas tend to have traffic congestion and a longer drive to work. Fewer people means reduced accidents and also fewer theft and vandalism claims.
Cautious drivers pay the best premiums – Careful drivers get better prices than people who have multiple driving citations. Having a single moving violation can boost insurance rates by twenty percent. Drivers who have gotten license-revoking violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
The diagram below illustrates how speeding tickets and at-fault accidents increase Subaru Tribeca insurance costs for each age group. The premiums assume a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Why do I need car insurance?
Despite the fact that insurance is not cheap in San Antonio, paying for insurance serves a purpose in several ways.
First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability insurance coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Tribeca, more than likely the lender will stipulate that you have insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may insure your Subaru for a lot more money and require you to reimburse them for the much more expensive policy.
Third, insurance protects not only your Subaru but also your financial assets. It will also provide coverage for hospital and medical expenses incurred in an accident. Liability insurance also pays for attorney fees and expenses in the event you are sued. If you have damage to your Subaru as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. But the average driver in Texas is overpaying more than $850 per year so you should quote rates once a year at a minimum to help ensure money is not being wasted.
Smart consumers save more
Throughout this article, we presented some good ideas how you can lower your Subaru Tribeca insurance car insurance rates in San Antonio. It’s most important to understand that the more quotes you get, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates are with some of the lesser-known companies.
Budget-conscious Subaru Tribeca insurance can be bought on the web and with local San Antonio insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not have rates over the internet and usually these smaller companies sell through independent insurance agents.
When shopping online for auto insurance, you should never reduce needed coverages to save money. In too many instances, an insured cut liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.
Even more information can be found in these articles:
- Comprehensive Coverage (Liberty Mutual)
- Who Has Cheap Car Insurance for a Nissan Rogue in San Antonio? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Low Mileage Drivers in San Antonio? (FAQ)
- How Much are San Antonio Auto Insurance Quotes for Drivers Over Age 70? (FAQ)
- How Much is San Antonio Auto Insurance for High School Students? (FAQ)
- How Much is San Antonio Auto Insurance for a 20 Year Old Male? (FAQ)
- Who Has Cheap Auto Insurance Quotes for 16 Year Olds in San Antonio? (FAQ)
- Who Has Affordable San Antonio Auto Insurance Rates for a Toyota RAV4? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- How to Avoid Staged Accidents (State Farm)
- Driving in Bad Weather (Insurance Information Institute)