Compare Subaru Outback Insurance Rate Quotes in Irvine

Discount Subaru Outback insuranceAre you looking for low-cost insurance rates in Irvine, CA? Irvine consumers have a choice when looking for low-cost Subaru Outback insurance. They can either spend hours driving around to get rate comparisons or use the internet to compare rates.

There are more efficient ways to buy insurance so you’re going to learn the absolute fastest way to compare rates on a Subaru and find the lowest price from both online companies and Irvine agents.

Finding a lower price on Subaru Outback insurance is actually easier than you may think. Consumers just need to invest a little time comparing free Irvine auto insurance quotes online from several insurance companies.

The companies shown below offer price quotes in California. To get cheaper auto insurance in Irvine, CA, we recommend you get price quotes from several of them in order to find the cheapest rates.

Statistics and details

The coverage information displayed next covers a range of insurance costs for Subaru Outback models. Learning how auto insurance policy rates are formulated can be of help when making smart choices when selecting a policy.

Subaru Outback Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $440 $472 $578 $34 $174 $1,698 $142
Outback 2.5I Premium $440 $576 $578 $34 $174 $1,802 $150
Outback 2.5I Limited $440 $576 $578 $34 $174 $1,802 $150
Outback 3.6R $440 $576 $578 $34 $174 $1,802 $150
Outback 3.6R Premium $440 $576 $578 $34 $174 $1,802 $150
Outback 3.6R Limited $490 $678 $578 $34 $174 $1,954 $163
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in garaging location in Irvine which can impact prices substantially.

Physical damage deductible comparison

A question often asked by Irvine drivers is the level to set your comp and collision deductibles. The following tables help summarize the differences in price of buying low and high coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.

Subaru Outback insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $430 $564 $442 $26 $132 $1,619 $135
Outback 2.5I Premium $430 $686 $442 $26 $132 $1,741 $145
Outback 2.5I Limited $430 $686 $442 $26 $132 $1,741 $145
Outback 3.6R $430 $686 $442 $26 $132 $1,741 $145
Outback 3.6R Premium $430 $686 $442 $26 $132 $1,741 $145
Outback 3.6R Limited $478 $810 $442 $26 $132 $1,913 $159
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Subaru Outback insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $238 $298 $442 $26 $132 $1,136 $95
Outback 2.5I Premium $238 $362 $442 $26 $132 $1,200 $100
Outback 2.5I Limited $238 $362 $442 $26 $132 $1,200 $100
Outback 3.6R $238 $362 $442 $26 $132 $1,200 $100
Outback 3.6R Premium $238 $362 $442 $26 $132 $1,200 $100
Outback 3.6R Limited $266 $426 $442 $26 $132 $1,292 $108
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in zip code location which can influence price quotes significantly.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $45 more each month or $540 every year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 20 months between claim filings, you would more than likely save some money going with the higher deductible.

Three reasons insurance is important

Even though it’s not necessarily cheap to insure a Subaru in Irvine, buying insurance may be required and benefits you in several ways.

The benefits of buying insurance are without a doubt worth the cost, especially with large liability claims. As of last year, the average driver in California overpays more than $820 a year so we recommend shopping around every year to ensure rates are competitive.

Why You Might Pay Inflated Rates in Irvine

Lots of things are part of the equation when quoting car insurance. A few of the factors are predictable such as your driving record, but some are not as apparent such as your marital status or how safe your car is. Smart consumers have a good feel for some of the elements that help calculate the rates you pay for auto insurance. If you have a feel for what determines premiums, this empowers consumers to make smart changes that may reward you with big savings.

Car insurance rates and discounts

Car insurance is neither fun to buy or cheap, but you may find discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time you complete a quote, but a few must be requested specifically before you get the savings. If you don’t get every credit possible, you may be paying too high a price.Cheaper car insurance with discounts

It’s important to understand that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, that’s just not realistic.

The illustration below illustrates the comparison of Subaru Outback insurance prices with and without discounts applied. The data assumes a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, marriage, homeowner, and claim-free discounts applied.

A list of car insurance companies and their offered discounts are detailed below.

Before buying, ask every company how you can save money. Some credits might not be available to policyholders in your state. To choose insurance companies that have a full spectrum of discounts in California, follow this link.

Situations that may require an agent’s advice

When choosing your policy for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.Safe vehicles cost less to insure

For instance, these questions may help you determine if your insurance needs may require specific advice.

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance agent or online?

Some consumers would rather buy from a licensed agent. Agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of comparing rates online is that you can obtain cheap rate quotes and still buy from a local agent. Buying insurance from neighborhood insurance agencies is important particularly in Irvine.

Find insurance agent in IrvineUpon completion of this short form, the quote information is sent to local insurance agents that provide free Irvine auto insurance quotes to get your business. You never need to search for any insurance agencies since price quotes are sent instantly to you. If you wish to quote rates from a particular provider, feel free to jump over to their website and submit a quote form there.

When researching a reliable insurance agency, you must know there are a couple different agency structures and how they can service your needs differently. Insurance agencies are considered either independent agents or exclusive agents depending on their employer. Either one can sell and service insurance coverage, but it’s important to point out how they differ since it can impact your selection of an agent.

Independent Insurance Agencies

Agents in the independent channel often have affiliation with several companies so as a result can place your coverage through many different insurance companies and get the cheapest rates. If your premiums go up, an independent agent can move your coverage and you don’t have to switch agencies.

When comparing insurance rates, you definitely need to contact several independent insurance agents in order to have the best price comparison. Many write coverage with companies you’ve never heard of who may have lower rates.

Below is a small list of independent agencies in Irvine who may provide free insurance quotes.

More Irvine agents

Exclusive Agencies

Agents in the exclusive channel are contracted to one company such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide other company’s prices so they really need to provide good service. Exclusive insurance agents receive extensive training on what they offer which helps offset the inability to provide other markets. Some people will only buy from the same agent for years primarily because of the brand name instead of buying on price only.

Shown below is a short list of exclusive insurance agencies in Irvine who can help you get price quote information.

More Irvine agents

Choosing an car insurance agent should include more criteria than just the price. Below are some questions you should ask.

The best rates come from being thorough

A few companies do not offer internet price quotes and many times these small insurance companies only sell through local independent agencies. Cheaper insurance in Irvine is possible online in addition to local insurance agencies, and you need to price shop both to have the best selection.

Insureds leave their current company for many reasons like denial of a claim, poor customer service, policy non-renewal and high prices. Whatever your reason, finding a new insurance company can be less work than you think.

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The goal is to get the best coverage possible at the best possible price, not the least amount of coverage.

Steps to finding the cheapest rates for Subaru Outback insurance in Irvine

The most effective way to find discount car insurance rates is to start comparing prices regularly from insurance carriers who provide auto insurance in Irvine.

  1. Try to learn a little about how your policy works and the changes you can make to prevent rate increases. Many factors that cause rate increases like inattentive driving and a less-than-favorable credit history can be amended by making lifestyle changes or driving safer.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple companies.
  3. Compare the new rates to your existing coverage and determine if there is any savings. If you find better rates and decide to switch, make sure there is no lapse in coverage.

A tip to remember is that you’ll want to make sure you compare the same amount of coverage on every price quote and and to get rates from as many companies as you can. This enables an accurate price comparison and and a good selection of different prices.

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