Cheap Subaru Outback Insurance in San Antonio

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Discount Subaru Outback insuranceTrying to find the cheapest Subaru Outback insurance in San Antonio? If you're searching for lower-priced insurance online, are you intimidated by the crazy number of car insurance companies available to you? Texas drivers have so many choices that it can easily turn into a big hassle to locate the lowest premium rates for Subaru Outback insurance in San Antonio. San Antonio is a great place to live, but expensive car insurance premiums can make it difficult for lots of drivers to keep a tight budget.

It goes without saying that car insurance companies don't want you comparing rates. People who shop around for the cheapest rate are highly likely to switch car insurance companies because they stand a good chance of finding better rates. A recent car insurance study revealed that drivers who compared rate quotes regularly saved about $3,500 over four years compared to people who never compared rates.

If finding the lowest price for insurance is your ultimate objective, then learning about how to quote and compare cheaper coverage can make the process more efficient.

It's important to check car insurance prices before your next renewal because prices fluctuate regularly. If you had the best deal on Subaru Outback insurance in San Antonio last year the chances are good that you can find a lower rate quote today. There is a lot of bad advice regarding Outback insurance on the internet, but in this article, you're going to get some of the best techniques to lower your car insurance rates in San Antonio.

If you already have coverage, you will be able to lower your rates using the concepts you're about to learn. This information will familiarize you with the best ways to compare prices and also save some money in the process But Texas vehicle owners do need to learn the way companies compete online and use it to find better rates.

When comparison shopping, making a lot of price comparisons helps improve the odds of finding a lower rate than you're paying now.

The auto insurance companies shown below are our best choices to provide price comparisons in San Antonio, TX. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.

Rates and statistics

The premium table displayed below highlights different insurance policy prices for Subaru Outback models. Having knowledge of how auto insurance premiums are calculated is important for you to make smart policy decisions.

Subaru Outback Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $198 $290 $496 $30 $148 $1,162 $97
Outback 2.5I Premium $198 $352 $496 $30 $148 $1,224 $102
Outback 2.5I Limited $198 $352 $496 $30 $148 $1,224 $102
Outback 3.6R $198 $352 $496 $30 $148 $1,224 $102
Outback 3.6R Premium $198 $352 $496 $30 $148 $1,224 $102
Outback 3.6R Limited $220 $416 $496 $30 $148 $1,310 $109
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in specific location which can affect coverage prices noticeably.

Higher deductibles save money

One frequently asked question is how high should the physical damage deductibles be. The following tables determine the price difference between low and high physical damage deductibles. The first rate quote example uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Subaru Outback insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $332 $408 $382 $22 $114 $1,283 $107
Outback 2.5I Premium $332 $496 $382 $22 $114 $1,371 $114
Outback 2.5I Limited $332 $496 $382 $22 $114 $1,371 $114
Outback 3.6R $332 $496 $382 $22 $114 $1,371 $114
Outback 3.6R Premium $332 $496 $382 $22 $114 $1,371 $114
Outback 3.6R Limited $370 $584 $382 $22 $114 $1,497 $125
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Subaru Outback insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $206 $256 $382 $22 $114 $980 $82
Outback 2.5I Premium $206 $312 $382 $22 $114 $1,036 $86
Outback 2.5I Limited $206 $312 $382 $22 $114 $1,036 $86
Outback 3.6R $206 $312 $382 $22 $114 $1,036 $86
Outback 3.6R Premium $206 $312 $382 $22 $114 $1,036 $86
Outback 3.6R Limited $228 $368 $382 $22 $114 $1,114 $93
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices greatly.

We can derive from the above data that using a $250 deductible would cost the average driver about $28 more each month or $336 a year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 27 months between claims, you would probably be better off by selecting a higher deductible. Here's how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $115
Average monthly premium for $1,000 deductibles (subtract): - $87
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One important issue to know is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have to file a claim. That will necessitate some extra savings in order to pay the deductible for vehicle repair.

The illustration below shows how choosing a deductible and can affect Subaru Outback insurance premiums for different insured age categories. The data assumes a married female driver, full coverage, and no additional discounts are factored in.

Comparison of full coverage and liability-only policies

The information below compares Subaru Outback insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The information is based on no claims or driving violations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

When to drop comp and collision

There isn't a written rule to stop paying for physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Subaru Outback claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,000 after paying your deductible. If you are currently paying more than $800 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some cases where removing full coverage is not in your best interest. If you haven't satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Why you need insurance for your vehicle

Despite the potentially high cost of Subaru Outback insurance, insurance is required in Texas but also provides important benefits.

  • The majority of states have minimum liability requirements which means you are required to buy a minimum amount of liability coverage in order to drive the car. 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.
  • If your Outback has a loan, most lenders will stipulate that you buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Subaru for a lot more money and make you pay the higher premium.
  • Auto insurance preserves not only your vehicle but also your assets. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance will also pay to defend you if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Outback are definitely more than the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $865 each year so you should quote your policy with other companies once a year at a minimum to save money.

How to Lower Your Insurance Premiums

Many things are used when you get a price on insurance. A few of the factors are predictable such as your driving record, although others are more obscure like your continuous coverage or your vehicle rating.

The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your prices.

  • Rates impacted by vehicle usage - Driving a lot of miles in a year the more you will pay for insurance. A lot of companies charge rates partially by how you use the vehicle. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Incorrect rating for your Outback is just wasting money. Make sure your insurance coverage is rated on annual mileage.
  • Credit history impacts premium prices - An insured's credit score can be a huge factor in determining what you pay. People that have excellent credit tend to be more responsible and file fewer claims than drivers with poor credit. So if your credit rating is low, you could be paying less to insure your Subaru Outback by repairing your credit.
  • Decrease premiums by maintaining coverage - Allowing your coverage to lapse will be a sure-fire way to bump up your insurance costs. Not only will you pay higher rates, not being able to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Texas department of motor vehicles.
  • Marriage brings a discount - Being married helps lower the price when shopping for insurance. It may mean you are more responsible it has been statistically shown that married couples file fewer claims.
  • Job reflects on premiums - Jobs such as military personnel, architects, and miners usually pay the highest average rates attributed to intense work situations and lots of time spent away from family. On the other hand, jobs like actors, students and retirees get better rates.
  • Better premiums with anti-theft devices - Selecting a car model with anti-theft technology or alarm system can help lower your premiums. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft.
  • Raising physical damage deductibles saves money - Physical damage coverage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Examples of some claims that would be covered could be a broken side mirror, hail damage, and having your car stolen. Comprehensive and collision coverage deductibles define the amount you are willing to pay if the claim is covered. The higher the amount the insured is willing to pay, the better rate you will receive.
  • Insurance loss data for a Subaru Outback - Insurance companies take into consideration insurance loss statistics for every vehicle when setting premium costs. Vehicles that statistically have higher losses will have higher rates.

    The table below illustrates the loss history for Subaru Outback vehicles. For each policy coverage, the loss probability for all vehicles, as an average, is set at 100. Numbers under 100 represent a good loss history, while values over 100 indicate a higher chance of having a claim or larger claims.

    Car Insurance Loss Data for Subaru Outback Models
    Vehicle Make and 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

Lower rates by qualifying for discounts

Car insurance is not cheap nor is it fun to buy but there could be available discounts that many people don't even know exist. Many of these discounts will be applied automatically when you quote, but some discounts are required to be manually applied before they will apply.Save money with discounts

  • Seat Belt Discounts - Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off the personal injury premium cost.
  • No Claim Discounts - Insureds who avoid accidents and claims get the best car insurance rates compared to drivers with a long claim history.
  • More Vehicles More Savings - Buying a policy with multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Military Discounts - Being deployed in the military may qualify for rate reductions.
  • Defensive Driver Discount - Successfully completing a safe driver course could cut 5% off your bill if you qualify.
  • Driving Data Discount - San Antonio drivers who agree to allow their insurance company to monitor their driving habits by installing a telematics device such as Progressive's Snapshot might see lower rates if they show good driving skills.

Policy discounts save money, but some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think it's possible to get free car insurance, that's just not realistic. But all discounts will help reduce your overall premium however.

The diagram below shows the difference between Subaru Outback insurance premiums with and without discounts applied to the policy premium. The data assumes a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, homeowner, multi-car, and multi-policy discounts applied.

Companies and a partial list of their discounts are outlined below.

  • American Family offers discounts including accident-free, defensive driver, TimeAway discount, good driver, good student, and multi-vehicle.
  • Nationwide policyholders can earn discounts including family plan, accident-free, business or organization, Farm Bureau membership, easy pay, and anti-theft.
  • MetLife discounts include accident-free, good student, defensive driver, good driver, multi-policy, and claim-free.
  • 21st Century has savings for early bird, driver training, good student, homeowners, theft prevention, and 55 and older.
  • Farmers Insurance offers premium reductions for business and professional, electronic funds transfer, mature driver, good student, and early shopping.
  • Allstate offers discounts for premier plus, resident student, EZ pay plan discount, teenSMART discount, new car, and utility vehicle.

Before purchasing a policy, check with all the companies how you can save money. Savings might not be offered on policies in San Antonio. To view companies who offer online Subaru Outback insurance quotes in San Antonio, click here.

Compare rates but work with a local San Antonio insurance agent

A lot of people would prefer to buy from a local agent and often times that is recommended A good thing about getting free rate quotes online is that you can obtain the lowest rates and still choose a local agent. And supporting local agencies is important particularly in San Antonio.

Find insurance agent in San AntonioAfter completing this simple form, your insurance coverage information is instantly submitted to insurance agents in San Antonio who will return price quotes and help you find cheaper coverage. You won't need to contact any insurance agencies because prices are sent straight to your inbox. You can most likely find cheaper rates without a big time investment. If you wish to get a comparison quote from a particular provider, you would need to find their quoting web page and submit a quote form there.

Picking an provider needs to be determined by more than just the price. The answers to these questions are important, too.

  • Does the agency have a current Errors and Omissions policy?
  • Can they give you a list of client referrals?
  • Do you need full coverage on every vehicle?
  • Do the agents have professional certifications like CPCU or CIC?
  • Are there any discounts that you might be missing?
  • How experienced are they in personal risk management?

Quote more and you will save more

We just showed you many ideas to get a better price on Subaru Outback insurance in San Antonio. It's most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on auto insurance is with some of the lesser-known companies.

When shopping online for auto insurance, it's very important that you do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced collision coverage and learned later they didn't have enough coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

Budget-friendly auto insurance in San Antonio is definitely available online and also from your neighborhood San Antonio agents, so you need to quote San Antonio auto insurance with both to have the best chance of lowering rates. Some companies may not have internet price quotes and many times these small, regional companies sell through independent agencies.

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