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.

If 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.

• First, take a little time to learn about how car insurance works and the things you can change to prevent high rates. Many risk factors that increase rates such as traffic citations, accidents, and poor credit history can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover additional tips to help keep rates affordable and find more discounts that you may not know about.
• Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while independent agencies can give you price quotes for many different companies.
• Third, compare the new rates to your existing coverage to see if a cheaper rate is available. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.

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.

• Discounts for Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% than drivers with accidents.
• Accident Free – Claim-free drivers pay much less compared to frequent claim filers.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts could see savings up to 30%.
• New Car Discount – Putting coverage on a new Outback may earn a small discount since new vehicles have better safety ratings.
• Defensive Driver Discount – Successfully completing a course that instructs on driving safety is a good idea and can lower rates and also improve your driving technique.
• Distant College Student Discount – College-age children who live away from home at college and do not have access to a covered vehicle can be insured at a reduced rate.
• Memberships – Joining a qualifying organization may earn a discount on your bill.

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:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

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.

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.

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 have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Will you get a loaner vehicle if you car is being repaired?
• Do they make recommendations based only on price?
• Do they regularly work with personal auto policies in Arlington?
• Is working in the agency their full-time job?
• Is the agent CPCU or CIC certified?
• When do they do policy reviews?

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.

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.

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.

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 majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance 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 you took out a loan on your vehicle, more than likely the lender will force you to carry insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender will be forced to insure your Subaru at a more expensive rate and require you to reimburse them the higher price.
• Insurance protects both your vehicle and your assets. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay for a defense attorney if you are named as a defendant in an auto accident. If you have damage to your Subaru as the result of the weather or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

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.

For more information, link through to the following helpful articles:

• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for Active Military in Arlington? (FAQ)
• Who Has the Cheapest Arlington Car Insurance Rates for Low Income Drivers? (FAQ)
• Who Has the Cheapest Arlington Car Insurance Rates for Electric Cars? (FAQ)
• Neck Injury FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Institute)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)