Cheap Insurance for a Subaru Outback in Jacksonville

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Insurance rates Subaru Outback in JacksonvilleEveryone knows that insurance companies don't want you to look for a cheaper policy. Consumers who shop around for cheaper rates are inclined to switch companies because of the high probability of finding a lower-priced policy. Remarkably, a study showed that drivers who faithfully checked for cheaper rates saved $865 a year as compared to drivers who never shopped around for better prices.

If finding the cheapest price on Subaru Outback insurance in Jacksonville is your ultimate target, then having an understanding of how to get price quotes and compare insurance can help you be more efficient.

If you want to save the most money, the best way to get cheaper Subaru Outback insurance is to start comparing rates regularly from companies who sell auto insurance in Jacksonville.

First, read about auto insurance and the changes you can make to keep rates low. Many risk factors that result in higher rates such as accidents, careless driving, and poor credit history can be controlled by improving your driving habits or financial responsibility.

Second, get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can quote rates for a wide range of insurance providers. Click to view companies

Third, compare the price quotes to your current policy premium to see if you can save by switching companies. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, give notification to your agent or company to cancel your current policy and submit payment and a signed application to the new company. As soon as coverage is bound, place your new certificate verifying proof of insurance with the vehicle registration.

An important part of this process is to make sure you're comparing similar coverage information on each price quote and and to get rates from as many companies as possible. Doing this helps ensure an accurate price comparison and a complete price analysis.

Finding the cheapest car insurance coverage in Jacksonville is actually very simple if you learn how to start. If you are already insured or need new coverage, you will benefit by learning to save money without sacrificing coverage. Smart shoppers just have to use the most efficient way to find the lowest price online.

The quickest method to compare car insurance company rates for Subaru Outback insurance in Jacksonville is to know the fact almost all companies pay for the opportunity to give free rates quotes. To begin a comparison, all you need to do is give them rating details such as distance driven, if you have an active license, if it has an alarm system, and deductibles desired. The data is then sent to multiple auto insurance providers and you get price estimates instantly.

To find lower cheap Subaru Outback insurance rates now, click here and enter the information requested.

The companies shown below have been selected to offer free rate quotes in Jacksonville, FL. If more than one company is shown, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Subaru Outback coverage analysis

The price information shown below covers different rate quotes for Subaru Outback models. Being aware of how policy premiums are established can assist in making informed decisions when comparing rate quotes.

Subaru Outback Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $284 $380 $400 $24 $120 $1,208 $101
Outback 2.5I Premium $284 $462 $400 $24 $120 $1,290 $108
Outback 2.5I Limited $284 $462 $400 $24 $120 $1,290 $108
Outback 3.6R $284 $462 $400 $24 $120 $1,290 $108
Outback 3.6R Premium $284 $462 $400 $24 $120 $1,290 $108
Outback 3.6R Limited $316 $544 $400 $24 $120 $1,404 $117
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in specific location which can modify insurance rates significantly.

Choosing deductibles

One of the hardest decisions when shopping for car insurance is how high should the physical damage coverage deductibles be. The comparison tables below help summarize the rate fluctuation when you select higher and lower insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Subaru Outback insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $406 $532 $418 $24 $124 $1,529 $127
Outback 2.5I Premium $406 $648 $418 $24 $124 $1,645 $137
Outback 2.5I Limited $406 $648 $418 $24 $124 $1,645 $137
Outback 3.6R $406 $648 $418 $24 $124 $1,645 $137
Outback 3.6R Premium $406 $648 $418 $24 $124 $1,645 $137
Outback 3.6R Limited $452 $764 $418 $24 $124 $1,807 $151
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Subaru Outback insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $224 $280 $418 $24 $124 $1,070 $89
Outback 2.5I Premium $224 $342 $418 $24 $124 $1,132 $94
Outback 2.5I Limited $224 $342 $418 $24 $124 $1,132 $94
Outback 3.6R $224 $342 $418 $24 $124 $1,132 $94
Outback 3.6R Premium $224 $342 $418 $24 $124 $1,132 $94
Outback 3.6R Limited $250 $402 $418 $24 $124 $1,218 $102
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Information does not factor in zip code location which can raise or lower prices greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $43 more each month or $516 a year averaged for all Outback models than opting for the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 21 months between claims, you would probably save some money if you elect the higher deductible.

How violations and accidents impact rates

The illustration below shows how violations and accidents can increase Subaru Outback auto insurance costs for each age group. The costs are based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Should you buy full coverage?

The information below visualizes the comparison of Subaru Outback car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no claims, $100 deductibles, single marital status, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There isn't a steadfast formula that is best for determining when to drop physical damage insurance, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let's say your Subaru Outback book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after the deductible is paid. If premium cost is more than $200 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few cases where removing full coverage is not a good idea. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Jacksonville insurance discounts

Car insurance companies don't always publicize every policy discount in an easy-to-find place, so the next list breaks down both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy Jacksonville car insurance online. If you are not receiving all the discounts possible, you could be saving more on your insurance.Insurance discounts

  • Driver's Education for Students - It's a good idea to have your young drivers participate in a local driver's education class in school or through a local driver safety program.
  • ABS and Traction Control Discounts - Cars and trucks with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
  • Driving Data Discount - Drivers who elect to allow driving data submission to scrutinize driving patterns by using a telematics device in their vehicle like Allstate's Drivewise might see lower rates as long as the data is positive.
  • New Vehicle Savings - Insuring a new Outback may earn a small discount since newer models are generally safer.
  • Early Renewal Discounts - Some insurance companies reward drivers for switching to them before your current coverage expires. It can save you around 10%.

Policy discounts save money, but most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free insurance policy, companies don't profit that way.

The information below compares Subaru Outback auto insurance rates with and without policy discounts. Data assumes a female driver, no violations or accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-policy, safe-driver, and multi-car discounts applied.

A few popular companies and some of their more popular discounts include:

  • American Family offers discounts including accident-free, Steer into Savings, multi-vehicle, good student, mySafetyValet, and good driver.
  • Farm Bureau discounts include good student, renewal discount, youthful driver, 55 and retired, and safe driver.
  • State Farm offers premium reductions for accident-free, multiple autos, good student, good driver, driver's education, multiple policy, and passive restraint.
  • Travelers policyholders can earn discounts including save driver, multi-car, new car, IntelliDrive, continuous insurance, and student away at school.
  • The Hartford has discounts for air bag, defensive driver, bundle, anti-theft, good student, and driver training.
  • GEICO offers discounts for multi-vehicle, military active duty, anti-lock brakes, membership and employees, good student, and air bags.
  • Progressive may have discounts that include multi-vehicle, homeowner, online quote discount, multi-policy, continuous coverage, good student, and online signing.

Before purchasing a policy, check with each company which discounts can lower your rates. Some discounts listed above might not be offered on policies everywhere. To choose insurance companies who offer discounts in Jacksonville, click this link.

Protect more than your Subaru vehicle

Despite the potentially high cost of Subaru Outback insurance, car insurance may be required for several reasons.

  • Just about all states have minimum mandated liability insurance limits which means the state requires specific limits of liability protection in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your Subaru has a lienholder, almost every bank will force you to have full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Subaru for a lot more money and force you to pay the higher price.
  • Insurance safeguards both your vehicle and your personal assets. It also can pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If your Subaru gets damaged, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of insuring your Outback are definitely more than the cost, especially for larger claims. According to a recent study, the average American driver overpays as much as $865 each year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.

Do I need a local insurance agent?

Many drivers would prefer to talk to an insurance agent and that is a personal choice. Professional insurance agents can help you build your policy and give you someone to call. A nice benefit of comparing rate quotes online is that you can find lower rates but still work with a licensed agent.

Insurance agency in JacksonvilleUpon completion of this form (opens in new window), your insurance coverage information is sent to local insurance agents who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won't have to contact an agency due to the fact that quote results will go directly to you. If for some reason you want to get a comparison quote from a specific insurance provider, you would need to find their quoting web page and fill out the quote form the provide.

Finding the right provider requires more thought than just the bottom line cost. Here are some questions you should ask.

  • Are there any extra charges for paying monthly?
  • Can glass claims be handled at your home?
  • Will you get a loaner vehicle if you car is being repaired?
  • Is the agent and/or agency licensed to do business in Florida?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Does the company have a solid financial rating?
  • Do they see any coverage gaps in your plan?

If you are searching for a good Jacksonville insurance agent, you must know there are a couple different types of agents and how they operate. Agents are categorized either exclusive or independent agents depending on their company appointments. Either can provide insurance policies, but it's important to know the differences because it can impact your agent selection.

Exclusive Insurance Agents

Exclusive agents normally can only provide a single company's rates and examples are Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot provide rate quotes from other companies so it's a take it or leave it situation. These agents are usually well trained on their products and sales techniques and that allows them to sell at a higher price point. Consumers sometimes purchase coverage from exclusives partially due to the brand instead of buying on price only.

Below are Jacksonville exclusive agents that are able to give price quotes.

View more Jacksonville agents

Independent Agents

Agents that choose to be independent do not write with just one company so they can insure your vehicles with many different companies and get you the best rates possible. If they find a lower price, they simply switch companies in-house and you can keep the same agent. If you are comparing insurance prices, you will want to include several independent insurance agents to maximize your price options. Most can insure with small mutual carriers which may have better rates.

Below is a list of independent insurance agents in Jacksonville that can give you rate quotes.

View more Jacksonville agents

After talking to the agent and getting acceptable answers to these questions and a good coverage price, chances are good that you have found a car insurance agent that meets the criteria to adequately provide insurance. Just remember you have the power to terminate your policy for any reason so don't think that you are obligated to your new company with no way to switch.