Cheapest Insurance for a Subaru Outback in Arlington

It’s safe to assume that auto insurance companies want to keep you from comparing rates. Insureds who rate shop once a year are likely to switch car insurance companies because there is a good probability of finding coverage at a more affordable price. A recent car insurance study discovered that people who routinely compared rates saved an average of $850 each year compared to other drivers who never compared rates.

If finding the lowest price for car insurance in Arlington is your objective, learning the best way to shop and compare insurance premiums can make the process more efficient.

Insurance rates Subaru Outback in ArlingtonIf saving the most money is your goal, then the best way to get cheaper car insurance rates in Arlington is to compare prices once a year from insurance carriers who provide auto insurance in Texas. Price quotes can be compared by completing these steps.

A crucial key to this process is to try to compare similar deductibles and liability limits on every quote request and and to analyze as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and a better comparison of the market.

The following companies have been selected to offer price quotes in Texas. If multiple companies are listed, it’s highly recommended you visit as many as you can to get the lowest price.

Affordable Subaru Outback insurance rates in Arlington

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Many discounts should be triggered at quote time, but lesser-known reductions have to be requested specifically prior to getting the savings.Cheaper car insurance with discounts

Drivers should understand that many deductions do not apply to the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think all the discounts add up to a free policy, you aren’t that lucky.

The illustration below shows the comparison of Subaru Outback insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims or driving citations, Texas 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 claim-free, marriage, safe-driver, multi-car, homeowner, and multi-policy discounts applied.

Insurance companies who may offer many of the previously listed discounts may include but are not limited to:

When getting a coverage quote, ask all the companies which discounts you qualify for. Some of the discounts discussed earlier might not be offered in Arlington. To choose car insurance companies that offer many of these discounts in Arlington, click here to view.

Coverage statistics and figures

The coverage table below showcases detailed analysis of insurance policy prices for Subaru Outback models. Learning how insurance policy premiums are established can help customers make informed decisions when shopping around for a new policy.

Subaru Outback Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $370 $486 $382 $22 $114 $1,374 $115
Outback 2.5I Premium $370 $592 $382 $22 $114 $1,480 $123
Outback 2.5I Limited $370 $592 $382 $22 $114 $1,480 $123
Outback 3.6R $370 $592 $382 $22 $114 $1,480 $123
Outback 3.6R Premium $370 $592 $382 $22 $114 $1,480 $123
Outback 3.6R Limited $412 $698 $382 $22 $114 $1,628 $136
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates substantially.

Can higher deductibles save money?

A question often asked by Arlington drivers is how high should your deductibles be. The figures shown below can help show the costs and benefits between low and high comp and collision deductibles. The first data set uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Subaru Outback insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $370 $486 $382 $22 $114 $1,399 $117
Outback 2.5I Premium $370 $592 $382 $22 $114 $1,505 $125
Outback 2.5I Limited $370 $592 $382 $22 $114 $1,505 $125
Outback 3.6R $370 $592 $382 $22 $114 $1,505 $125
Outback 3.6R Premium $370 $592 $382 $22 $114 $1,505 $125
Outback 3.6R Limited $412 $698 $382 $22 $114 $1,653 $138
Get Your Own Custom Quote Go

Subaru Outback insurance premium estimates 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
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in garaging location in Arlington which can revise rates significantly.

Based on this data, using a $100 deductible costs about $39 more each month or $468 annually across all Subaru Outback models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 23 months between claim filings, you would most likely save money if you elect the higher deductible.

Accidents and violations increase rates

The diagram below shows how traffic citations and at-fault collisions impact Subaru Outback insurance rates for each age group. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Male drivers compared to female drivers in Arlington

The chart below shows the comparison of Subaru Outback premium costs for male and female drivers. The costs are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.

Full coverage or liability only

The illustration below shows the difference between Subaru Outback premium costs with full physical damage coverage compared to only buying liability only. The data assumes no claims or driving citations, $100 deductibles, single marital status, and no discounts are taken into consideration.

Should you be buying full coverage?

There is no specific rule to drop physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Subaru Outback book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $8,000 after paying your policy deductible. If premium cost is more than $800 a year for full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.

Neighborhood agents and auto insurance

Some consumers still prefer to sit down and talk to an agent and that is OK! Insurance agents can help determine the best coverages and will help you if you have claims. One of the great benefits of price shopping on the web is you may find the lowest rates and also buy local.

To help locate an agent, after submitting this short form, your insurance data is emailed to local insurance agents in Arlington that provide free Arlington car insurance quotes for your business. It’s much easier because you don’t need to contact an agency due to the fact that quote results will go directly to your email. If for some reason you want to get a comparison quote from a specific company, feel free to search and find their rate quote page to submit a rate quote request.

Picking the best insurance company should depend on more than just a low price. Get answers to these questions too.

If you’re trying to find a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents and how they are slightly different. Auto insurance policy providers are considered either exclusive or independent (non-exclusive). Either one can provide auto insurance policies, but it’s worth learning why they differ because it can influence which type of agent you select.

Exclusive Insurance Agents

These agents can only provide one company’s prices and examples are Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide rate quotes from other companies so they really need to provide good service. These agents receive a lot of sales training on sales techniques which helps them compete with independent agents.

Shown below are Arlington exclusive agents who may provide you with price quotes.

2614 W Arkansas LnArlington, TX 76016(817) 303-3880View Map

980 N Cooper StArlington, TX 76011(817) 261-8484View Map

7000 S Cooper St # FArlington, TX 76001(817) 467-3880View Map

View more Arlington agents

Independent Agents (or Brokers)

Agents that choose to be independent do not have single company limitations and that gives them the ability to insure through many different auto insurance companies and get you the best rates possible. To transfer your coverage to a different company, they simply switch companies in-house and you don’t have to do anything.

When comparing auto insurance prices, you will want to get quotes from at a minimum one independent agency to have the best price comparison.

Below is a short list of independent agencies in Arlington willing to provide comparison quotes.

1900 E Abram StArlington, TX 76010(817) 635-0375View Map

1201 Road To Six Flags # 101Arlington, TX 76011(817) 261-9594View Map

3901 Arlington Highlands Blvd #200Arlington, TX 76018(817) 695-5166View Map

View more Arlington agents

If you get good feedback to these questions as well as a price you’re happy with, most likely you have located a car insurance agent that meets your needs to adequately provide auto insurance. Keep in mind you are able to cancel a policy at any point so never assume that you are permanently stuck with a specific agent for the entire policy term.

Insurance Cost Influencing Factors

The best way to find cheaper car insurance is to take a look at the different types of things that help calculate the rates you pay for car insurance. If you have some idea of what controls the rates you pay, this helps enable you to make changes that could result in lower car insurance prices.

The factors shown below are some of the factors companies use to determine your premiums.

Teen drivers pay high premiums – Drivers with little experience tend to be less responsible behind the wheel so car insurance rates are higher. Having to add a young driver to your car insurance policy can increase premiums substantially. Older people are more cautious drivers, file fewer claims, and receive fewer citations.

The following data assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Save by driving less – The more miles you rack up on your Subaru in a year’s time the more you will pay for car insurance. Most companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that have low annual miles receive lower rates than those that get driven frequently. Double check that your declarations sheet is showing the correct usage, because improper ratings can cost you money. An improperly rated Outback is just wasting money.

Do you need those extra policy coverages? – Insurance policies have a lot of extra bells and whistles that you can buy on your car insurance policy. Coverages like replacement cost coverage, towing, and additional equipment coverage may be wasting your money. They may sound like good ideas when deciding what coverages you need, but if you have no use for them eliminate them to save money.

Married people drive safer – Having a wife or husband may cut your premiums compared to being single. Having a significant other generally demonstrates drivers are more stable financially it has been statistically shown that married drivers tend to have fewer serious accidents.

Bundle policies to earn discounts – Some insurance companies afford better rates to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to ten or even fifteen percent. Even if you’re getting this discount you may still want to compare Subaru Outback rates in Arlington to verify if the discount is saving money.

Safer occupants lowers premiums – Cars with five star safety ratings tend to have lower insurance rates. The safest vehicles protect occupants better and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy.

Drivers with good credit save – An insured’s credit score can be an important factor in determining what you pay for car insurance. Therefore, if your credit can use some improvement, you could save money insuring your Subaru Outback if you improve your credit rating. Consumers who have high credit scores tend to file fewer claims than drivers who have worse credit.

Subaru Outback historical loss data – Car insurance companies use claims history as a tool for profitable underwriting. Vehicles that statistically have higher loss trends will cost more for specific coverages. The table below illustrates the compiled insurance loss statistics for Subaru Outback vehicles.

For each insurance policy coverage type, the claim amount for all vehicles as a whole is set at 100. Percentage numbers below 100 suggest a positive loss record, while values over 100 point to more frequent losses or a tendency for losses to be larger than average.

Insurance Loss Ratings for Subaru Outback Vehicles
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

Why insurance is not optional

Despite the potentially high cost of Subaru Outback insurance, buying insurance is most likely required but also gives you several important benefits.

The benefits of buying insurance more than offset the price you pay, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $700 annually so you should quote and compare rates at every renewal to make sure the price is not too high.

You can find affordable coverage

You just read a lot of ways to lower your Subaru Outback insurance car insurance rates in Arlington. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding low cost Arlington car insurance quotes. You may even be surprised to find that the best car insurance rates are with a small local company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Discount Subaru Outback insurance in Arlington is possible from both online companies and from local agencies, and you should compare rates from both to have the best chance of lowering rates. Some companies may not offer price quotes online and usually these regional carriers provide coverage only through local independent agents.

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