Houston drivers have a choice when trying to find the best price on Subaru Outback insurance. You can either waste hours struggling with agents to compare prices or use the internet to compare rates.
There are both good and bad ways to shop for car insurance and you need to know the best way to price shop coverage on a Subaru and find the cheapest rates either online or from Houston insurance agents.
There are a lot of ways to compare car insurance quotes, but there is one way that is easier and takes less work. You can spend countless hours talking about coverages with agents in Houston, or you can utilize online quotes to get prices fast.
Many insurance companies participate in an industry program where prospective buyers submit one quote, and every company returns a rated price based on that data. This eliminates the need for repetitive form submissions for each company.
To participate in this free quote system, click here (opens in new window).
One minor caviat to comparing rates this way is you cannot specify which providers you want to price. If you would rather choose from a list of companies to compare rates, we have a page of the cheapest car insurance companies in Texas. Click here to view list.
It’s your choice how you get your quotes, but be sure you’re using identical information for each quote you get. If you are comparing different data then you won’t be able to get a fair rate comparison in Houston. Having just a slight variation in coverages can make a big difference in price. And when price shopping your coverage, comparing all the rates in your area increases your odds of finding a lower rate than you’re paying now. Some smaller insurers to not give prices over the internet, so you need to compare price estimates from them as well.
Car insurance companies are expert advertisers
Well-known car insurance companies like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. They all seem to seem to make the promise that people will save just by moving your car insurance coverage to their company. How can each company offer you a better deal? This is the way they can do it.
Different companies have specific characteristics for the type of customer that earns them the most money. One example of this type of driver might be described as a mature driver, has never had a policy lapse, and has excellent credit. A customer getting a price quote that matches those criteria will most likely get cheap rates and is almost guaranteed to save a lot of money.
Potential insureds who are not a match for this ideal profile will be charged higher premium rates which results in the prospect going elsewhere. If you listen closely, the ads state “customers who switch” but not “everyone who gets a quote” save that much. That is how insurance companies can confidently make those statements.
This emphasizes why you really need to compare many company’s premium rates. Because without a comparison, you cannot know which insurance companies will provide the lowest auto insurance rates.
Subaru Outback Insurance Premiums Can Be More Affordable
The best way to find cheaper car insurance is to take a look at the rating factors that help determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find better car insurance rates.
- Single drivers may pay more – Your spouse may earn you lower rates on your car insurance policy. Having a significant other demonstrates that you tend to be more responsible and it’s proven that drivers who are married are more cautious.
- Your vocation may affect prices – Careers like lawyers, business owners and medical professionals tend to pay higher premiums than the average policyholder due to stressful work requirements and lengthy work days. Other occupations such as farmers, students and the unemployed receive lower rates on Outback insurance.
- Rates can drop if you have more than one policy – The majority of companies allow better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to get quotes from other companies to guarantee you are still saving the most.
- Teenage drivers are expensive to insure – Teenage drivers in Texas have a tendency to be less responsible when at the wheel of a vehicle and because of this, their car insurance rates are much higher. Parents adding a youthful driver to your policy can be quite pricey. Older people are viewed as being more responsible, statistically cause fewer accidents , and are generally more financially stable.
- Gender impacts premiums – Statistics show females are less aggressive when driving. That doesn’t necessarily mean that females are better at driving than males. Females and males get in accidents in similar numbers, but men get into accidents with more damage. Not only that, but men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
- The type of car you drive affects your premiums – The make and model of the car or truck you drive makes a big difference in how high your rates are. The cheapest insurance rates are for small economy passenger vehicles, but the cost you end up paying is determined by many additional factors. Since the Subaru Outback falls in the station wagon class, insuring your vehicle will cost similar in price or lower than the average rate where you live in Houston.
- Save money by staying claim free – If you are the type of insured that files lots of claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Companies in Texas give discounts to policyholders who do not file claims often. Your car insurance is meant to be used in the event of larger claims.
More affordable rates with discounts
Car insurance is not an enjoyable expense, but there could be significant discounts that you may not know about. A few discounts will be applied at quote time, but a few must be inquired about prior to getting the savings.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen less frequently so companies will give you a small discount.
- Federal Employees – Employees or retirees of the government may qualify for a discount when you on Outback insurance with a few car insurance companies.
- Telematics Discount – Policyholders that allow companies to look at their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they show good driving skills.
- Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
- Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on in comparison with drivers with a long claim history.
- Responsible Driver Discounts – Drivers who don’t get into accidents may save up to 50% more on Outback insurance compared to accident prone drivers.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
Discounts lower rates, but most credits do not apply to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.
A list of companies and some of their more popular discounts are:
- State Farm offers discounts including multiple autos, driver’s education, multiple policy, anti-theft, and safe vehicle.
- American Family discounts include mySafetyValet, good driver, multi-vehicle, accident-free, Steer into Savings, defensive driver, and TimeAway discount.
- AAA offers discounts for good driver, multi-policy, anti-theft, multi-car, education and occupation, and AAA membership discount.
- GEICO has discounts for multi-vehicle, daytime running lights, air bags, seat belt use, and good student.
- Mercury Insurance may include discounts for good student, multi-car, type of vehicle, age of vehicle, location of vehicle, professional/association, and annual mileage.
- Farmers Insurance may have discounts that include bundle discounts, early shopping, good student, multi-car, and youthful driver.
- Progressive offers premium reductions for continuous coverage, online quote discount, multi-vehicle, good student, online signing, and multi-policy.
When getting , it’s a good idea to each insurance company which discounts you may be entitled to. Some credits might not apply in your area. If you would like to choose from a list of insurance companies that offer many of these discounts in Texas, click here.
One last thing to lower rates
Throughout this article, we presented a lot of ways to get a better price on Subaru Outback insurance. The key concept to understand is the more times you quote, the higher your chance of finding . You may even find the lowest priced car insurance comes from the smaller companies.
Drivers who switch companies do it for many reasons like questionable increases in premium, unfair underwriting practices, policy cancellation and high prices. Whatever your reason, switching companies is actually quite simple.
As you , it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your focus should be to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.
Online resources for education
Additional information can be read on the through this link. Texas consumers can find disaster information, report car insurance fraud, get help finding coverage, and file complaints about a company.
The articles below may also help you learn more about car insurance in Houston