Cheapest Rates for Subaru Outback Insurance in Sacramento

Finding cheaper Subaru Outback insurance in Sacramento is nearly impossible for drivers not familiar with quoting coverage prices online. Drivers have so many different companies and agents to choose from that it can quickly become a real challenge to find the best price in California on Subaru Outback insurance.

Insurance for Subaru OutbackInconceivable but true, almost 70% of insureds have remained with the same auto insurance company for more than four years, and almost half have never compared rates with other companies. Most drivers in Sacramento could save about $470 every year, but they just don’t understand the benefits if they bought a different policy.

Locating the best insurance company for you in Sacramento is actually not that difficult if you follow our advice. Nearly every person who shops for car insurance will more than likely find a cheaper policy. Although California vehicle owners need to have an understanding of how the larger insurance companies determine what you pay.

Companies offering Subaru Outback insurance in California

The companies in the list below are ready to provide price quotes in Sacramento, CA. If multiple companies are listed, we suggest you visit several of them to get the lowest price.

Subaru Outback detailed coverage information

The information shown next outlines different insurance rates for Subaru Outback models. Having a good understanding how insurance rates are established is important for drivers to make smart choices when comparing insurance rates.

Subaru Outback Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $412 $638 $574 $34 $172 $1,830 $153
Outback 2.5I Premium $412 $776 $574 $34 $172 $1,968 $164
Outback 2.5I Limited $412 $776 $574 $34 $172 $1,968 $164
Outback 3.6R $412 $776 $574 $34 $172 $1,968 $164
Outback 3.6R Premium $412 $776 $574 $34 $172 $1,968 $164
Outback 3.6R Limited $458 $914 $574 $34 $172 $2,152 $179
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in garaging location in Sacramento which can revise insurance rates greatly.

Can higher deductibles save money?

When comparing insurance rates, the most common question is which deductibles should you choose. The figures shown below show the cost difference between low and high comp and collision deductibles. The first pricing table uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Subaru Outback insurance premium estimates 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
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Subaru Outback insurance premium estimates 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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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium amounts do not factor in vehicle location which can affect price quotes noticeably.

Using the data above, we can ascertain that using a $250 deductible costs approximately $32 more each month or $384 annually than choosing the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Car insurance discounts are available to cut your rates

Car insurance is neither fun to buy or cheap, but you may be missing some discounts that can help lower your rates. Many discounts should be triggered at the time you complete a quote, but some may not be applied and must be asked for before they will apply. If they aren’t giving you every credit available, you’re paying more than you need to.Cheaper car insurance with discounts

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. Even though it appears you can get free auto insurance, that’s just not realistic.

The chart below shows the comparison of Subaru Outback insurance rates with and without some available policy discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, homeowner, safe-driver, and claim-free discounts applied.

A few popular companies and some of the premium reductions they offer can be found below.

Before you buy a policy, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in Sacramento. To see companies with discount car insurance rates in California, follow this link.

Decisions You Make Can Impact Your Insurance Premiums

The best way to find cheaper insurance is to take a look at the factors that aid in calculating the level of your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that could result in better insurance rates.

The factors shown below are some of the items companies use to determine your prices.

Your address can modify price – Having an address in less populated areas of the country has it’s advantages if you are looking for the lowest rates. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Fewer drivers and short commutes means reduced accidents.

Only buy add-on coverages you need – There are quite a few add-on coverages that you can buy on your insurance policy. Insurance for things like rental car coverage, towing, and membership fees may not be needed and are just wasting money. You may think they are a good idea when buying your policy, but now you might not need them so remove them from your policy.

Use but don’t abuse your insurance – Insurance companies in California generally give the lowest premiums to policyholders who are not frequent claim filers. If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of more catastrophic claims.

You might have higher premiums if you are single – Getting married can actually save you money when shopping for insurance. Having a significant other usually means you are more mature and insurance companies reward insureds because married drivers tend to file fewer claims.

Subaru Outback historical loss data – Companies analyze past claim statistics when they set coverage costs for each model. Vehicles that tend to have higher loss trends will have higher rates. The table below outlines the insurance loss data used by companies for Subaru Outback vehicles.

For each type of coverage, the loss probability for all vehicles, regardless of make or model, is equal to 100. Numbers under 100 represent a good loss history, while percentage values above 100 point to more frequent losses or an increased probability of a larger loss.

Insurance Loss Ratings for Subaru Outback Vehicles
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

When do I need to get advice from an insurance agency?

Many people still like to buy from a licensed agent and that is just fine! The biggest benefit of comparing rate quotes online is that you can obtain cheap rate quotes but also keep your business local.

Find insurance agent in SacramentoTo find an agent, once you fill out this form (opens in new window), the quote information is sent to companies in Sacramento who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go to the email address you provide. You can most likely find cheaper rates without having to waste a lot of time. If for some reason you want to compare prices from a specific insurance company, you would need to visit that company’s website to submit a rate quote request.

Choosing an provider requires more thought than just a cheap price. Agents should be asked these questions:

Car insurance agents in Sacramento come in two varieties

If you need to find a local agent, it can be helpful to understand the different agency structures and how they are distinctly different. Insurance agents in Sacramento may be either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

These type of agents can only provide one company’s prices and some examples include State Farm or Allstate. These agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive insurance agents receive a lot of sales training on their products and sales techniques and that allows them to sell at a higher price point. Some insured continue to choose to use a exclusive agent mostly because of the prominent brand name instead of buying on price only.

Below is a short list of exclusive agencies in Sacramento who can help you get rate quotes.

More insurance agents

Independent Insurance Agents

Independent agents are appointed with more than one company and that gives them the ability to insure with many different companies and get the cheapest rates. To transfer your coverage to a different company, they can switch companies in-house which is easy for the insured. When comparing insurance prices, you should always compare prices from multiple independent agents to get the best comparison. They also have the ability to place coverage with companies you’ve never heard of that many times have cheaper rates.

The following is a short list of independent insurance agencies in Sacramento that are able to give price quote information.

More insurance agents

After getting positive feedback as well as an affordable premium quote, you’ve probably found an auto insurance agent that is professional and can provide insurance coverage. Just remember policyholders can cancel a policy whenever you wish so don’t feel that you are obligated to a policy with no way to switch.

One last note

You just learned a lot of information how to lower your Subaru Outback insurance rates in Sacramento. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the lowest rates come from a company that doesn’t do a lot of advertising.

Cheaper insurance in Sacramento can be sourced from both online companies and from local agencies, so you need to shop Sacramento auto insurance with both to have the best rate selection. Some insurance companies may not offer the ability to get a quote online and most of the time these smaller companies work with independent insurance agencies.

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, policy cancellation, unfair underwriting practices and even policy non-renewal. No matter why you want to switch, finding the right insurance provider can be easier than you think.

How to buy discount Subaru Outback insurance in Sacramento

Truthfully, the best way to get budget Subaru Outback insurance is to annually compare prices from companies who provide auto insurance in Sacramento. Prices can be compared by completing these steps.

A crucial key to this process is to make sure you enter similar limits and deductibles on each price quote and and to compare as many companies as possible. This helps ensure a fair rate comparison and a thorough selection of prices.

Helpful learning opportunities