Buying affordable insurance for a Subaru Outback relies on a whole bunch of factors such as how old the vehicle is, if you are a frequent claim filer, and any prior driving citations you have received. North Carolina drivers pay approximately $667 annually to insure their Outback, but that figure is an approximation based upon a 40-year-old single male driver with full coverage and $1,000 deductibles.
There’s a high likelihood you’re not a 40-year-old male, maybe you are married instead of single, and you might want liability-only or different deductibles. Have just a small change in rating variables or coverage information could result in a significant change in the cost of insuring your Outback.
Each driver’s needs are different, and that demonstrates why the best way to find the cheapest coverage for your Subaru is to do a thorough rate comparison. It only takes a few minutes and you can get prices from the cheapest companies around.
The trim level of your Subaru can impact the cost of coverage, so the cost to insure a Outback 2.5I will be $98 less than the cost to insure the more well-appointed Outback 3.6R Limited trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$132||$234||$302||$18||$90||$776||$65|
|Outback 2.5I Limited||$132||$234||$302||$18||$90||$776||$65|
|Outback 3.6R Premium||$132||$234||$302||$18||$90||$776||$65|
|Outback 3.6R Limited||$146||$276||$302||$18||$90||$832||$69|
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Estimates do not factor in Greensboro location which can decrease or increase insurance rates substantially.
Finding reliable, low-cost car insurance is not the easiest thing to accomplish, and finding out which company has the cheapest car insurance rates for a Subaru Outback requires additional perseverance.
Each auto insurance company has their own guidelines to set premium rates, so first we will examine the most affordable car insurance companies in Greensboro, NC.
Find the Cheapest Car Insurance for Your Subaru
|Rank||Company||Cost Per Year|
|4||NC Farm Bureau||$716|
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Utica National has some of the most affordable car insurance rates in Greensboro at around $643 each year. This is $229 less than the average policy premium paid by North Carolina drivers of $872. Progressive, Liberty Mutual, NC Farm Bureau, and GEICO are also some of the cheapest Greensboro, NC car insurance companies.
In the above rates, if you are currently insured with Progressive and switched to Utica National, you might realize a yearly price reduction of upwards of $15. Insureds with Liberty Mutual could save as much as $64 a year, and NC Farm Bureau insureds might see rate reductions of $73 a year.
These prices are averaged for all types of drivers and the different vehicles they drive and do not factor in a vehicle location for a Subaru Outback. So the insurer that fits you best may not even be in the top 20 companies in the list above. That helps illustrate why you need to get auto insurance quotes using your own driver data and vehicle information.
Illustration showing the impact of accidents and violations
A great way to obtain the best car insurance prices in North Carolina for an Outback is to be a good driver and avoid accidents and violations. The diagram below demonstrates how speeding tickets and at-fault accidents can influence insurance costs for different age groups. The premiums assume a married male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of an auto insurance policy per year with no accidents or violations is $1,486. Factor in one speeding ticket and the average cost rises to $1,701, an increase of $216 each year. Then add two accidents along with the one speeding ticket and the annual cost of car insurance for a Subaru Outback goes up to an average of $3,504. That’s an increase of $2,018, or $168 per month, just for not maintaining a clean driving record!
Why are you paying too much to insure your Outback?
North Carolina car insurance rates are determined by lots of factors which can substantially change the price you pay. Simply turning a year older, adding a teenager to your policy, or getting a ticket for running a stop sign may cause policy rate changes that can make some companies cheaper in comparison to the competition.
In addition, car insurance companies amend premium rates as often as every three months in order to maintain liquidity for claims. A period of increased losses can result in high rates, while lower claims may produce more affordable Outback insurance rates.
To illustrate this example, the chart below analyzes the cheapest car insurance in Greensboro, NC for a 40-year-old male driver with no accidents or violations, and solid credit. When comparing rates based on his current situation, Progressive may offer the best car insurance rates in Greensboro at $740 a year. This is $132 less than the average policy premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National also make the list of the best Greensboro, NC auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a chargeable accident, less-than-perfect credit, and an imperfect driving record. Since every insurance provider has a unique approach to determining premium rates, getting updated rate quotes may now show a new list of the cheapest car insurance companies in Greensboro as shown below.
Titan now has the best price on car insurance in Greensboro with State Farm, Auto-Owners, Allied, and National General also being competitive. This example shows why it is so important to take the time to shop around to find the lowest auto insurance rates for a Subaru Outback.
Prices are influenced by many things and change frequently, so the most economical option when you last compared rates may now be wasting a lot of money.
How to find more affordable car insurance for a Subaru Outback
The list below shows some of the recommended thrifty ideas that can help you buy cheap coverage.
- Keep your driving record clean
- Having at-fault accidents will increase rates
- Try to pay small claims out-of-pocket
- Buy a safer vehicle
- Insure your home and auto with the same company
- Drop full coverage on older vehicles
- Compare prices as often as possible
That last idea is extraordinarily vital, as was stressed in this write-up. Prices adjust frequently, so don’t be unwilling to change insurance companies if a lower price can be found. Brand loyalty is great, but it’s not a great idea if that loyalty results in overpaying lots of hard earned cash every month. In just a couple of minutes you could shop around and find cheaper car insurance for a Subaru Outback in Greensboro.