Car Insurance Quotes for a Subaru Outback in Columbus

If your goal is the lowest price, then the best way to find cheaper quotes for Subaru Outback insurance in Columbus is to start comparing rates regularly from providers who provide car insurance in Ohio. This can be done by following these steps.

  1. Try to learn about what is in your policy and the things you can control to prevent expensive coverage. Many policy risk factors that result in higher prices like traffic citations and a bad credit rating can be eliminated by making minor driving habit or lifestyle changes.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can quote rates from multiple companies.
  3. Compare the new rate quotes to your existing policy to see if cheaper Outback coverage is available. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
  4. Provide adequate notice to your current company of your intention to cancel your current auto insurance policy and submit a down payment and signed policy application to the new company. When you receive it, put the new certificate verifying proof of insurance in an easily accessible location.

The critical component of shopping around is to make sure you enter identical coverage information on each price quote and and to get prices from all possible companies. Doing this helps ensure a level playing field and a complete price analysis.

Insurance for Subaru OutbackIt’s easy to assume that car insurance companies don’t want their policyholders to compare prices. Insureds who shop around will presumably switch companies because of the good chance of finding a lower-priced policy. Remarkably, a study showed that people who compared price quotes annually saved $865 annually compared to drivers who don’t regularly compare prices.

If finding the cheapest price on Subaru Outback insurance in Columbus is the reason for your visit, knowing how to find companies and compare insurance premiums can save money and time.

Companies offering Subaru Outback insurance in Columbus

The car insurance companies shown below can provide price quotes in Ohio. If the list has multiple companies, it’s highly recommended you visit as many as you can to get the best price comparison.

Analysis of coverages

The data table displayed below outlines a range of insurance coverage prices for Subaru Outback models. Learning as much as possible about how premiums are formulated can be valuable when making informed decisions when comparing rates.

Subaru Outback Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $252 $290 $298 $18 $88 $946 $79
Outback 2.5I Premium $252 $352 $298 $18 $88 $1,008 $84
Outback 2.5I Limited $252 $352 $298 $18 $88 $1,008 $84
Outback 3.6R $252 $352 $298 $18 $88 $1,008 $84
Outback 3.6R Premium $252 $352 $298 $18 $88 $1,008 $84
Outback 3.6R Limited $280 $416 $298 $18 $88 $1,100 $92
Get Your Own Custom Quote Go

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in vehicle garaging location which can raise or lower auto insurance rates substantially.

Raise deductibles and save

When buying insurance, a common question is at what level do you set your deductibles. The figures shown below determine the difference in cost when you select higher and lower physical damage coverage deductibles. The first rate table uses a $250 deductible and the second data table uses a $1,000 deductible.

Subaru Outback insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $198 $242 $226 $14 $68 $773 $64
Outback 2.5I Premium $198 $296 $226 $14 $68 $827 $69
Outback 2.5I Limited $198 $296 $226 $14 $68 $827 $69
Outback 3.6R $198 $296 $226 $14 $68 $827 $69
Outback 3.6R Premium $198 $296 $226 $14 $68 $827 $69
Outback 3.6R Limited $220 $348 $226 $14 $68 $901 $75
Get Your Own Custom Quote Go

Subaru Outback insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $122 $152 $226 $14 $68 $582 $49
Outback 2.5I Premium $122 $186 $226 $14 $68 $616 $51
Outback 2.5I Limited $122 $186 $226 $14 $68 $616 $51
Outback 3.6R $122 $186 $226 $14 $68 $616 $51
Outback 3.6R Premium $122 $186 $226 $14 $68 $616 $51
Outback 3.6R Limited $136 $220 $226 $14 $68 $664 $55
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in specific location which can affect coverage rates noticeably.

We can estimate from the data above that using a $250 deductible will cost you approximately $18 more each month or $216 each year averaged for all Outback models than selecting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 42 months between claim filings, you would most likely save money going with the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $69
Average monthly premium for $1,000 deductibles (subtract): – $51
Monthly savings from raising deductible: $18
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 42 months

The diagram below demonstrates how deductibles and can influence Subaru Outback premium costs for different age categories. The premiums assume a married female driver, comp and collision included, and no discounts are applied.

Get cheaper rates on Subaru Outback insurance in Columbus with these eight insurance discounts

The price of auto insurance can be rather high, but companies offer discounts that can dramatically reduce your bill. Certain discounts will be applied at the time you complete a quote, but once in a while a discount must be inquired about prior to receiving the credit.

Just know that most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely lower the amount you pay for coverage.

The illustration below compares Subaru Outback insurance rates with and without discounts applied to the rates. The prices are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, safe-driver, marriage, and claim-free discounts applied.

Auto insurance companies that possibly offer most of these discounts possibly include:

If you need affordable Columbus auto insurance quotes, ask all companies you are considering which discounts they offer. Discounts may not apply in Columbus. To choose providers that can offer you the previously mentioned discounts in Ohio, follow this link.

Car insurance can be complex

When it comes to choosing proper insurance coverage for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is unique.

For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Insurance is available from agents near you

Many people prefer to sit down with an agent and that is a smart decision One of the best bonuses of getting free rate quotes online is you may find lower rates and also buy local. And providing support for local agents is important particularly in Columbus.

Insurance agents in ColumbusTo make it easy to find an agent, after completing this form (opens in new window), the coverage information is instantly submitted to participating agents in Columbus who can give free rate quotes and help you find cheaper coverage. It makes it easy because there is no need to visit any agencies since price quotes are sent to you instantly. You can find the lowest rates without requiring a lot of work. In the event you want to compare prices for a specific company, don’t hesitate to navigate to their website and give them your coverage information.

Below are Columbus insurance companies willing to provide rate quotes for Subaru Outback insurance in Columbus.

More insurance agents

Picking a insurer should depend on more than just the bottom line cost. You should also get answers to these questions.

Once you have acceptable answers to these questions as well as cheap Outback insurance quotes, you have narrowed it down to an insurer that is professional and can adequately provide insurance. Just keep in mind it’s your coverage and you can cancel coverage whenever you choose to so never assume that you are obligated to the insurance policy for the entire policy term.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, prosthetic devices, chiropractic care and surgery. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required (which is 25/50/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Collision coverage – Collision coverage will pay to fix damage to your Outback from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible on your Outback to bring the cost down.

Coverage for liability – Liability insurance will cover damage that occurs to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical expenses, bail bonds, attorney fees and repair costs for stationary objects. How much coverage you buy is your choice, but buy higher limits if possible. Ohio requires minimum liability limits of 25/50/25 but it’s recommended drivers buy better liability coverage.

The illustration below shows why the minimum limit may not provide you with enough coverage.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, vandalism and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

In Summary

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The aim is to buy enough coverage at the lowest possible cost.

We’ve covered a lot of information how to compare Subaru Outback insurance car insurance rates in Columbus. It’s most important to understand that the more providers you compare, the better your chances of lowering your premium rates. You may even discover the best car insurance rates are with a company that doesn’t do a lot of advertising.

People leave their current company for many reasons like high prices, an unsatisfactory settlement offer, being labeled a high risk driver and high rates after DUI convictions. Whatever your reason, finding a new company can be easy and end up saving you some money.

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