Find Affordable Subaru Outback Insurance in Long Beach

Insurance quote for Subaru Outback in Long BeachA recent survey discovered that almost 70% of drivers renewed their policy with the same company for a minimum of four years, and just under half have never quoted car insurance rates at all. With the average premium in California being $1,390, drivers can save 35% each year, but they don’t know the big savings they would realize if they moved their coverage to a different company.

The recommended way to find affordable Subaru Outback insurance is to start comparing prices yearly from insurers who provide auto insurance in Long Beach. This can be done by following these guidelines.

One tip to remember is to try to compare identical deductibles and limits on every quote and and to get rates from as many different companies as possible. Doing this helps ensure a fair price comparison and many rates to choose from.

All the larger insurance companies provide coverage prices on the web. Comparing Subaru Outback insurance rates online is quite easy because you just enter your personal and coverage information on the page. Upon sending the form, the company’s rating system orders your driving and credit reports and quotes a price. Using the web to get rate quotes for Subaru Outback insurance in Long Beach makes it a lot easier to compare rates and it is important to do this in order to find a better rate.

To fill out one form to compare multiple rates now, take a look at the companies shown below. If you have your current policy handy, we recommend you enter the insurance coverages exactly as they are listed on your policy. This way, you will have rate comparison quotes based on the exact same insurance coverage.

The companies shown below can provide price quotes in Long Beach, CA. If multiple companies are listed, we suggest you visit several of them in order to find the lowest rates.

Companies offer lots of discounts on Subaru Outback insurance in Long Beach

Some companies don’t always advertise every discount they offer in an easy-to-find place, so below is a list a few of the more well known and the harder-to-find discounts that you can inquire about if you buy Long Beach car insurance online.Discount car insurance

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, you aren’t that lucky.

The chart below illustrates the comparison of Subaru Outback car insurance costs with and without discounts applied to the rates. Data assumes a female driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, multi-car, marriage, and safe-driver discounts applied.

A few popular companies and their offered discounts are detailed below.

When quoting, ask each company or agent which discounts you qualify for. Some discounts might not apply in Long Beach. To locate car insurance companies offering car insurance discounts in Long Beach, click this link.

Rates and detailed analysis

The table displayed next covers a range of insurance premium costs for Subaru Outback models. Learning as much as possible about how insurance quotes are calculated can assist in making decisions on which insurance to purchase.

Subaru Outback Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $332 $488 $500 $30 $150 $1,500 $125
Outback 2.5I Premium $332 $592 $500 $30 $150 $1,604 $134
Outback 2.5I Limited $332 $592 $500 $30 $150 $1,604 $134
Outback 3.6R $332 $592 $500 $30 $150 $1,604 $134
Outback 3.6R Premium $332 $592 $500 $30 $150 $1,604 $134
Outback 3.6R Limited $370 $698 $500 $30 $150 $1,748 $146
Get Your Own Custom Quote Go

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices greatly.

Auto insurance deductibles

One common question asked by Long Beach drivers is what deductibles to buy. The rates below outline the rate fluctuation when you buy lower versus higher insurance deductibles. The first set of prices uses a $250 deductible and the second rate table uses a $500 deductible.

Subaru Outback insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $386 $472 $442 $26 $132 $1,483 $124
Outback 2.5I Premium $386 $576 $442 $26 $132 $1,587 $132
Outback 2.5I Limited $386 $576 $442 $26 $132 $1,587 $132
Outback 3.6R $386 $576 $442 $26 $132 $1,587 $132
Outback 3.6R Premium $386 $576 $442 $26 $132 $1,587 $132
Outback 3.6R Limited $430 $678 $442 $26 $132 $1,733 $144
Get Your Own Custom Quote Go

Subaru Outback insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $314 $382 $442 $26 $132 $1,296 $108
Outback 2.5I Premium $314 $464 $442 $26 $132 $1,378 $115
Outback 2.5I Limited $314 $464 $442 $26 $132 $1,378 $115
Outback 3.6R $314 $464 $442 $26 $132 $1,378 $115
Outback 3.6R Premium $314 $464 $442 $26 $132 $1,378 $115
Outback 3.6R Limited $348 $546 $442 $26 $132 $1,494 $125
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in your specific Long Beach location which can raise or lower rates significantly.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $17 more each month or $204 every year averaged for all Outback models than quoting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 15 months between claims, you would come out ahead if you choose a higher deductible. The table below illustrates the way this decision is made.

Average monthly premium for $250 deductibles: $133
Average monthly premium for $500 deductibles (subtract): – $116
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Cost difference between full coverage and liability

The diagram below compares Subaru Outback auto insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied.

When to switch to liability coverage only

There is no exact rule of when to stop paying for comprehensive and collision coverage on your policy, 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, then you might consider buying liability only.

For example, let’s say your Subaru Outback book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying over $400 annually for physical damage coverage, then it might be time to buy liability only.

There are some situations where only buying liability is not a good idea. If you still owe a portion of the original loan, 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 if your current one is in an accident, you should not drop full coverage.

Learn How to Lower Your Insurance Costs

Many things are used when you get a price on insurance. Some are obvious such as your driving history, but some are less obvious such as your credit history or your commute time.

The itemized list below are a partial list of the pieces utilized by car insurance companies to help set your premiums.

Teenagers vs. experienced drivers – Drivers with little experience have a tendency to be more careless when at the wheel of a vehicle therefore auto insurance rates are much higher. Older, more experienced drivers are more cautious drivers, cause fewer claims and accidents, and tend to be get fewer driving tickets.

The chart below assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Is your vehicle theft-ready? – Choosing a vehicle with an alarm system can help lower your rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms can thwart auto theft.

More traffic equals higher premiums – Having an address in less populated areas of the country has definite advantages when insuring your vehicles. People in densely populated areas have much more traffic and a longer drive to work. Lower population means less chance of accidents in addition to lower liability claims.

Males pay higher costs – The statistics show that females take fewer risks when driving. However, this does not mean females are better at driving than males. Males and females have fender benders at a similar rate, but the male of the species have accidents that have higher claims. They also have more aggressive citations like reckless driving and DUI.

The example below illustrates the comparison of Subaru Outback car insurance rates for male and female drivers. The rates are based on no violations or claims, comp and collision included, $1,000 deductibles, single status, and no discounts are factored in.

Liability protection is cheap – The liability section of your policy will provide protection in the event that you are ruled to be at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.

Do you really need to file those auto insurance claims? – Companies in California give cheaper rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is intended for more catastrophic claims.

Infrequent drivers can save – Driving more miles in a year’s time the higher your rate. A lot of insurance companies apply a rate based upon how you use the vehicle. Autos that do not get driven very much get more affordable rates compared to those used for work or business. Having an incorrect usage rating on your Outback is throwing money out the window. It’s a good idea to make sure your auto insurance declarations sheet is rated on the proper vehicle usage.

Driving citations hurt – Drivers with clean records have lower premiums as compared to careless drivers. Even one citation can boost insurance rates by as much as thirty percent. Drivers who get license-revoking violations such as DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 form with their state motor vehicle department in order to legally drive.

The chart below highlights how speeding tickets and accident claims can increase Subaru Outback insurance costs for different age groups of insureds. The costs are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

Insurance loss data for a Subaru Outback – Auto insurance companies factor in insurance loss information to help determine rates. Vehicles that have a trend towards higher claim severity or frequency will have higher rates.

The table below outlines the historical loss data for Subaru Outback vehicles. For each coverage type, the claim probability for all vehicles combined as an average is set at 100. Values below 100 represent a good loss history, while values over 100 indicate higher probability of having a loss or statistically larger losses.

Auto Insurance Loss Data for Subaru Outback Models
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