Cheapest Subaru Outback Insurance in Fort Worth

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Discount Subaru Outback insuranceThe preferred way to get more affordable auto insurance rates is to compare prices at least once a year from providers who provide auto insurance in Fort Worth.

First, take a little time to learn about individual coverages and the changes you can make to prevent rate increases. Many rating criteria that drive up the price like distracted driving and a negative credit score can be amended by being financially responsible and driving safely. Later in this article we will cover more details to get low prices and find available discounts that you may qualify for.

Second, request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agents can give you price quotes from multiple insurance companies. Begin your rate comparison

Third, compare the new rate quotes to your current policy premium and see if there is a cheaper rate in Fort Worth. If you can save money and change companies, make sure there is no lapse in coverage.

Fourth, give notification to your current company of your intention to cancel your current auto insurance policy and submit the application along with any required down payment for your new coverage. As soon as coverage is bound, put the new proof of insurance paperwork in a readily accessible location in your vehicle.

The most important part of shopping around is to make sure you enter identical limits and deductibles on every quote and and to get price estimates from as many car insurance companies as possible. Doing this provides an accurate price comparison and a thorough price selection.

Inconceivable but true, the vast majority of car insurance customers have been with the same company for a minimum of four years, and just short of a majority have never compared rate quotes at all. The average driver in Fort Worth could save up to 70% a year by just shopping around, but they assume it's a waste of time to compare other rate quotes.

If you have insurance now or just want to save money, you can use this information to get lower rates without sacrificing coverage. Our objective is to let you in on the best ways to compare prices and how you can save the most money. Vehicle owners just have to learn the most efficient way to shop for auto insurance instantly.

The most recommended method to compare rates for Subaru Outback insurance in Fort Worth is to take advantage of the fact most of the larger companies provide online access to give rate comparisons. The only thing you need to do is provide a small amount of information like daily mileage, how your vehicles are used, whether or not you need a SR-22, and level of coverage desired. That information is instantly provided to insurance companies and they provide comparison quotes instantly to find the best rate.

To start a quote now, click here and find out if you can get cheaper insurance in Fort Worth.

The companies in the list below are our best choices to provide free rate quotes in Fort Worth, TX. If multiple providers are shown, we suggest you visit two to three different companies to get the best price comparison.

Cheap Fort Worth insurance rates with discounts

Some companies do not list the entire discount list very clearly, so the below list has a few of the more well known and the more hidden credits that you can use to lower your rates. If you don't get every credit you qualify for, you could be paying more than you need to.Cheaper insurance with discounts

  • ABS Braking Discount - Vehicles that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Clubs and Organizations - Having an affiliation with certain professional organizations can get you a small discount on insurance.
  • Payment Discounts - If you can afford to pay the entire bill rather than spreading payments over time you could save 5% or more.
  • Air Bag Discount - Cars that have air bags can qualify for discounts of more than 20%.
  • Paperwork-free - Many insurance companies provide a small discount for signing up digitally online.

We need to note that some credits don't apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn't stay in business.

The illustration below illustrates the difference between Subaru Outback insurance rates with and without discounts applied to the policy rates. The prices are based on a female driver, a clean driving record, no claims, Texas 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 claim-free, homeowner, marriage, multi-car, safe-driver, and multi-policy discounts applied.

A few of the larger companies and their offered discounts are outlined below.

  • 21st Century may offer discounts for anti-lock brakes, theft prevention, driver training, good student, homeowners, and teen driver.
  • State Farm policyholders can earn discounts including Drive Safe & Save, Steer Clear safe driver discount, student away at school, passive restraint, and multiple autos.
  • AAA offers discounts including multi-policy, multi-car, pay-in-full, anti-theft, and good driver.
  • Liberty Mutual has discounts for exclusive group savings, preferred payment discount, multi-car, teen driver discount, and hybrid vehicle.
  • Progressive may include discounts for online signing, multi-vehicle, good student, homeowner, and continuous coverage.

If you need lower rates, check with every insurance company which discounts you may be entitled to. Some discounts listed above might not be offered in your state. For a list of insurers with significant discounts in Texas, click this link.

Rates and statistics

The coverage table displayed below highlights detailed analysis of insurance premium costs for Subaru Outback models. Having knowledge of how car insurance prices are figured can help guide drivers when making informed coverage decisions.

Subaru Outback Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $300 $404 $514 $30 $154 $1,402 $117
Outback 2.5I Premium $300 $492 $514 $30 $154 $1,490 $124
Outback 2.5I Limited $300 $492 $514 $30 $154 $1,490 $124
Outback 3.6R $300 $492 $514 $30 $154 $1,490 $124
Outback 3.6R Premium $300 $492 $514 $30 $154 $1,490 $124
Outback 3.6R Limited $334 $580 $514 $30 $154 $1,612 $134
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in specific garaging location which can decrease or increase insurance rates substantially.

Deductible comparison

A question often asked by Fort Worth drivers is at what level do you set your deductibles. The tables below may help to illustrate the differences in premium rates when you choose different policy deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Subaru Outback insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $332 $408 $382 $22 $114 $1,283 $107
Outback 2.5I Premium $332 $496 $382 $22 $114 $1,371 $114
Outback 2.5I Limited $332 $496 $382 $22 $114 $1,371 $114
Outback 3.6R $332 $496 $382 $22 $114 $1,371 $114
Outback 3.6R Premium $332 $496 $382 $22 $114 $1,371 $114
Outback 3.6R Limited $370 $584 $382 $22 $114 $1,497 $125
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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 $206 $256 $382 $22 $114 $980 $82
Outback 2.5I Premium $206 $312 $382 $22 $114 $1,036 $86
Outback 2.5I Limited $206 $312 $382 $22 $114 $1,036 $86
Outback 3.6R $206 $312 $382 $22 $114 $1,036 $86
Outback 3.6R Premium $206 $312 $382 $22 $114 $1,036 $86
Outback 3.6R Limited $228 $368 $382 $22 $114 $1,114 $93
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in specific Fort Worth garaging location which can influence prices greatly.

Using the data above, we can ascertain that using a $250 deductible costs approximately $28 more each month or $336 every year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 27 months between claim filings, you would save more money if you decide on a higher deductible. Here's the way this calculation is made.

Average monthly premium for $250 deductibles: $115
Average monthly premium for $1,000 deductibles (subtract): - $87
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

Cautious drivers save money

The example below illustrates how speeding tickets and fender-benders influence Subaru Outback insurance rates for different ages of insureds. The rate quotes are based on a single male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Full coverage versus liability-only in Fort Worth

The illustration below compares Subaru Outback auto insurance costs with liability coverage only compared to full coverage. The rates are based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no specific rule for phasing out physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let's say your Subaru Outback claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your deductible. If it's costing you more than $300 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where dropping full coverage is not a good plan. If you haven't satisfied your loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should keep full coverage.

What Determines Subaru Outback Insurance Prices?

When buying insurance it's important to understand a few of the rating criteria that help determine your premiums. If you have some idea of what controls the rates you pay, this enables informed choices that could result in big savings. Many different elements are considered when pricing auto insurance. Some factors are common sense such as traffic violations, although some other factors are more transparent such as your marital status or your commute time.

The itemized list below are some of the items used by your company to calculate your prices.

  • Additional coverages that may be costing you - There are quite a few additional coverages that may not really be needed on your insurance policy. Coverages for roadside assistance, towing, and membership fees could be just wasting money. You may think they are a good idea at first, but now you might not need them so eliminate them to save money.
  • Where you reside plays a part - Having an address in less populated areas has it's advantages when talking about insurance. Drivers in populated areas have to deal with more traffic problems and more time behind the wheel. Less people living in that area means reduced accidents in addition to fewer liability claims.
  • Don't cancel your policy without a new one in place - Having a gap between insurance policy dates is a guaranteed way to bump up your insurance costs. Not only will you pay more, the inability to provide proof of insurance can result in a fine, jail time, or a revoked license. You may have to file a SR-22 with the Texas motor vehicle department to get your license reinstated.
  • Increase coverage deductibles to save - Insurance for physical damage, also called 'full coverage', covers damage that occurs to your Subaru. Examples of some claims that would be covered are a broken side mirror, collision with an animal, and damage caused by flying debris. Comp and collision deductibles state the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more of the claim you are required to pay out-of-pocket, the less money you will pay for insurance.
  • Insurance losses for a Subaru Outback - Companies take into consideration insurance loss statistics for every vehicle to help determine prices. Vehicles that the statistics show to have higher loss trends will cost more for specific coverages.

    The next table illustrates the actual insurance loss data for Subaru Outback vehicles. For each coverage category, the claim amount for all vehicles averaged together equals 100. Numbers below 100 suggest losses that are better than average, while values over 100 indicate more frequent claims or a tendency for claims to be larger.

    Insurance Loss Ratings for Subaru Outback Vehicles
    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