Save Money on Subaru Outback Insurance in Pittsburgh

Discount Subaru Outback insuranceIt takes a few minutes, but the best way to save on car insurance rates is to start doing a yearly price comparison from different companies who provide auto insurance in Pittsburgh.

  1. Get an understanding of car insurance and the measures you can control to keep rates in check. Many policy risk factors that result in higher prices such as traffic citations, accidents, and a negative credit score can be amended by making lifestyle changes or driving safer.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies.
  3. Compare the quotes to your current policy premium to see if cheaper Outback coverage is available. If you find a better price and change companies, make sure there is no coverage gap between policies.
  4. Give notification to your agent or company of your intent to cancel your current car insurance policy and submit a completed application and payment to the newly selected company. Once the application is submitted, place the new certificate of insurance in a readily accessible location in your vehicle.

A good piece of advice is to make sure you enter the same physical damage deductibles and liability limits on every price quote and and to compare as many companies as you can. Doing this enables an accurate price comparison and a thorough selection of prices.

Astonishing but true according to a recent study, most insurance policyholders have bought insurance from the same company for four years or more, and just under half have never even compared rates from other companies. Pittsburgh drivers could save an average of approximately 55% each year, but most undervalue the large savings they would see if they switched to a cheaper policy.

Buying affordable insurance in Pittsburgh is quite easy. Practically every car owner who compares rates for insurance will probably find a lower-cost policy. But Pennsylvania vehicle owners must learn the way companies sell insurance online and use it to your advantage.

Many insurance companies make it easy to get coverage price quotes directly from their websites. Getting quotes for Subaru Outback insurance in Pittsburgh can be done by anyone as you simply type in the coverages you want as detailed in the form. Behind the scenes, their quoting system obtains your credit score and driving record and gives you a price quote.

Quoting online for Subaru Outback insurance in Pittsburgh makes it a lot easier to compare rates and it’s very important to do this in order to find the cheapest price.

To find out how much you can save on auto insurance, compare rate quotes from the providers shown below. To compare your current rates, we recommend that you enter coverages and limits exactly as they are listed on your policy. This helps ensure you will have an apples-to-apples comparison for similar coverage.

The following companies offer comparison quotes in Pittsburgh, PA. To find cheap auto insurance in Pittsburgh, we suggest you visit as many as you can in order to get a fair rate comparison.

These discounts can cut Subaru Outback insurance rates

Some companies don’t list all discounts in a way that’s easy to find, so we took the time to find some of the more common as well as the least known credits available to lower your premiums when you buy Pittsburgh car insurance online.Cheaper auto insurance with discounts

A quick disclaimer, many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But any discount will definitely lower the amount you pay for coverage.

The diagram below shows the difference between Subaru Outback yearly insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, claim-free, and multi-policy discounts applied.

A few popular companies and a selection of discounts are shown below.

When comparing rates, check with all companies you are considering which discounts you qualify for. Savings may not apply to policyholders in Pittsburgh. To find providers who offer cheap Subaru Outback insurance quotes in Pennsylvania, click this link.

Subaru Outback insurance coverage information

The rate table displayed next highlights different coverage prices for Subaru Outback models. Having a better idea how insurance policy rates are figured can help drivers make decisions on which coverage to buy.

Subaru Outback Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $162 $204 $340 $20 $102 $828 $69
Outback 2.5I Premium $162 $248 $340 $20 $102 $872 $73
Outback 2.5I Limited $162 $248 $340 $20 $102 $872 $73
Outback 3.6R $162 $248 $340 $20 $102 $872 $73
Outback 3.6R Premium $162 $248 $340 $20 $102 $872 $73
Outback 3.6R Limited $180 $292 $340 $20 $102 $934 $78
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in zip code location which can alter premium rates significantly.

Physical damage deductibles: Should you raise them?

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The figures shown below may help to conceptualize how much more you’ll pay between low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Subaru Outback insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $288 $352 $330 $20 $98 $1,113 $93
Outback 2.5I Premium $288 $428 $330 $20 $98 $1,189 $99
Outback 2.5I Limited $288 $428 $330 $20 $98 $1,189 $99
Outback 3.6R $288 $428 $330 $20 $98 $1,189 $99
Outback 3.6R Premium $288 $428 $330 $20 $98 $1,189 $99
Outback 3.6R Limited $320 $506 $330 $20 $98 $1,299 $108
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Subaru Outback insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $234 $284 $330 $20 $98 $966 $81
Outback 2.5I Premium $234 $346 $330 $20 $98 $1,028 $86
Outback 2.5I Limited $234 $346 $330 $20 $98 $1,028 $86
Outback 3.6R $234 $346 $330 $20 $98 $1,028 $86
Outback 3.6R Premium $234 $346 $330 $20 $98 $1,028 $86
Outback 3.6R Limited $260 $408 $330 $20 $98 $1,116 $93
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in Pittsburgh location which can change auto insurance rates greatly.

We can estimate from the data above that using a $250 deductible would cost the average driver about $14 more each month or $168 each year than buying the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 18 months between claim filings, you would come out ahead going with the higher deductible.

The information below shows how different deductible levels and can raise or lower Subaru Outback insurance costs for each different age category. The price estimates are based on a single male driver, comp and collision included, and no other discounts are factored in.

How violations and accidents impact rates

The illustration below illustrates how violations and at-fault fender-benders influence Subaru Outback insurance premiums for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Full coverage versus liability-only

The illustration below illustrates the comparison of Subaru Outback auto insurance rates with liability coverage only compared to full coverage. The premiums assume no violations or claims, $500 deductibles, drivers are not married, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no written rule to stop buying comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Subaru Outback replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying the physical damage deductible. If it’s costing in excess of $500 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.

Informed Consumers Can Slash Their Insurance Prices

Part of the car insurance buying process is learning some of the things that play a part in calculating the rates you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that could result in better car insurance rates.

The following are some of the major factors used by insurance companies to determine your rates.

Do you have enough liability coverage? – The liability coverage on your policy is the coverage that protects you if you are determined to be liable for physical damage or personal injury to other. This coverage provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to comp and collision, so do not skimp.

Vehicle options that lower car insurance rates – Choosing to buy a car with an alarm system can save you a little every year. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms all hinder your vehicle from being stolen.

Drivers with high credit save on car insurance – Having a bad credit rating will be a significant factor in your rate calculation. People with very high credit ratings tend to be more responsible than drivers who have poor credit. So if your credit can be improved, you could save money insuring your Subaru Outback by repairing your credit.

Insurance rates for married couples – Being married may save some money on your car insurance bill. It generally demonstrates drivers are more mature and responsible and insurance companies reward insureds because married couples file fewer claims.

Insurance losses for a Subaru Outback – Auto insurance companies use claims history to help determine the rate you pay. Vehicles that statistically have higher claim frequency or loss amount will have higher premium rates. The information below illustrates the historical loss data for Subaru Outback vehicles.

For each coverage category, the claim probability for all vehicles, as an average, is considered to be 100. Percentage values below 100 suggest losses that are better than average, while percentage values above 100 indicate more frequent claims or an increased likelihood of larger losses.

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