Affordable Quotes for Subaru Outback Insurance in Tampa

Insurance for Subaru OutbackA recent study showed that the majority of drivers kept their coverage with the same insurance company for at least the last four years, and almost 40% of drivers have never even shopped around for cheap coverage. Many consumers in America could save nearly 46.5% every year just by shopping around, but they don’t believe the amount of savings they would get if they replace their high priced policy.

If you want to save the most money, the best way to find affordable quotes for auto insurance rates is to start comparing prices yearly from providers in Tampa.

  1. Spend a few minutes and learn about what coverages are included in your policy and the things you can change to prevent expensive coverage. Many things that increase rates such as speeding tickets, careless driving and an unfavorable credit rating can be eliminated by improving your driving habits or financial responsibility.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Allstate, while independent agencies can quote prices for many different companies.
  3. Compare the quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and change companies, ensure coverage does not lapse between policies.

One piece of advice is to try to compare identical coverages on every quote and and to get rate quotes from all possible companies. This enables a level playing field and the best price quote selection.

To find the best car insurance prices, there are several ways to compare rate quotes from local Tampa car insurance companies. The best method to compare Subaru Outback insurance prices consists of shopping online.

Getting price quotes online is very simple and it makes it obsolete to make phone calls or go to different agent offices. The ability to get quotes online makes this process obsolete unless you have a complicated situation and need the guidance of a local agency. Although, it is possible compare online quotes but buy from a local insurance agent. When comparing car insurance rates, know that comparing more quotes helps locate a lower rate than you’re paying now.

The auto insurance companies shown below can provide price comparisons in Florida. To locate cheap car insurance in FL, it’s highly recommended you visit several of them to get the cheapest price.

Save with these discounts

Companies don’t always publicize the complete list of policy discounts in an easy-to-find place, so the following is a list of a few of the more common and the more hidden insurance savings.Save money with discounts

Remember that most discounts do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

The diagram below illustrates the difference between Subaru Outback auto insurance rates with and without discounts applied to the policy premium. The data is based on a male driver, no accidents, no driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, multi-policy, claim-free, and marriage discounts applied.

A list of insurance companies and the discounts they provide can be found below.

It’s a good idea to ask every company what discounts are available to you. All car insurance discounts might not apply in your state.

Subaru Outback coverage analysis

The price information displayed below showcases estimates of coverage costs for Subaru Outback models. Having insight into how auto insurance policy rates are calculated can aid in making smart choices when choosing a car insurance company.

Subaru Outback Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $254 $352 $472 $28 $142 $1,248 $104
Outback 2.5I Premium $254 $430 $472 $28 $142 $1,326 $111
Outback 2.5I Limited $254 $430 $472 $28 $142 $1,326 $111
Outback 3.6R $254 $430 $472 $28 $142 $1,326 $111
Outback 3.6R Premium $254 $430 $472 $28 $142 $1,326 $111
Outback 3.6R Limited $284 $506 $472 $28 $142 $1,432 $119
Get Your Own Custom Quote Go

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in specific zip code location which can revise auto insurance rates considerably.

Does it make sense to buy full coverage?

The information below compares Subaru Outback premium costs with liability coverage only compared to full coverage. The information is based on no claims or driving violations, $1,000 deductibles, marital status is single, and no discounts are applied.

Guidelines for dropping full coverage

There is no clear-cut formula of when to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Subaru Outback claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after the policy deductible has been paid. If premiums are more than $500 annually for full coverage, then you might consider buying liability only.

There are some scenarios where only buying liability is not recommended. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Best auto insurance company in Tampa

Buying coverage from the top insurer is difficult considering how many different companies sell coverage in Florida. The ranking data below could help you select which car insurance providers you want to consider to insure your vehicles.

Top 10 Tampa Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Insurance Price Influencing Factors

Lots of things are used when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but other factors are more obscure such as your credit history or your commute time. Part of the auto insurance buying process is learning some of the things that play a part in calculating auto insurance rates. When you understand what determines premiums, this allows you to make good choices that could help you find lower rates.