Cheapest Kansas City Subaru Outback Insurance

Truthfully, the best way to get affordable Subaru Outback insurance is to compare prices once a year from different companies in Kansas City.

• First, try to comprehend the coverage provided by your policy and the steps you can take to prevent high rates. Many things that cause rate increases like accidents, careless driving, and a less-than-favorable credit history can be improved by making minor changes in your lifestyle. This article provides additional ideas to help prevent costly coverage and get additional discounts that may be available.
• Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while agents who are independent can quote prices for many different companies.
• Third, compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you can save money and switch companies, make sure there is no coverage gap between policies.

A good tip to remember is to try to compare the same deductibles and limits on each quote request and and to get quotes from as many companies as you can. Doing this ensures a fair rate comparison and and a good selection of different prices.

Statistics show that nearly 70% of Missouri drivers renewed their policy with the same company for at least four years, and about 40% of consumers have never shopped around. U.S. drivers could save an average of as much as $860 each year by just comparing quotes, but they don’t invest the time required to shop their coverage around.

If you have car insurance now, you stand a good chance to be able to reduce premiums using the concepts covered in this article. Choosing the most cost-effective car insurance policy in Kansas City is actually very simple if you learn how to start. But Missouri drivers must learn how the larger insurance companies set your policy premium and use it to find better rates.

The are a couple different ways to compare prices from different companies. The easiest way to find the cheapest Subaru Outback insurance rates is simply to get online rate quotes.

Getting price quotes online is very simple and it makes it obsolete to actually drive to insurance agencies in your area. Comparing online rate quotes eliminates the middleman unless your situation requires the extra assistance that only an agent can give. You can, however, compare online quotes and have a local agent actually service the policy.

It’s important to know that making a lot of price comparisons provides better odds of finding better pricing.

The companies shown below offer quotes in Missouri. If multiple companies are listed, it’s a good idea that you compare several of them to get the best price comparison.

Auto insurance in Missouri serves several purposes

Despite the high cost, paying for auto insurance is a good idea for several reasons.

• Just about all states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability protection in order to be legal. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your vehicle has a loan, more than likely the lender will make it mandatory that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Subaru for a much higher rate and force you to pay the higher premium.
• Insurance protects not only your vehicle but also your assets. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. Today the average American driver is wasting up to $850 per year so compare rates at every renewal to save money.

Rates and detailed analysis

The information displayed next outlines detailed analysis of policy rates for Subaru Outback models. Learning more about how car insurance premiums are established helps drivers make smart choices when purchasing an insurance policy.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific garaging location which can increase or decrease auto insurance rates considerably.

Policy deductible comparison

One frequently asked question is at what level do you set your deductibles. The premium rates below show the rate fluctuation between high and low comp and collision deductibles. The first set of rates uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Table data does not factor in specific garaging location which can influence insurance rates noticeably.

Based on this data, using a $100 deductible costs an average of $29 more each month or $348 annually across all Subaru Outback models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 31 months between claims, you would save money if you decide on a higher deductible.

The chart below shows how different deductible levels and can affect Subaru Outback insurance rates for each age group. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Gender-based auto insurance premiums

The information below visualizes the comparison of Subaru Outback premium costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, drivers are single, and no additional discounts are factored in.

Does full coverage make sense?

The diagram below illustrates the comparison of Subaru Outback annual premium costs when comparing full coverage to liability only. The data assumes no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

When to drop full coverage

There is no set rule to stop buying physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Subaru Outback settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the policy deductible has been paid. If premium cost is more than $800 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are a few cases where only buying liability is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Take advantage of these ten discounts

Some companies don’t necessarily list every discount they offer in a way that’s easy to find, so the list below gives a summary of a few of the more well known and the harder-to-find ways to save on car insurance.

• Defensive Driver – Taking part in a driver safety course could earn you a small percentage discount if you qualify.
• Save with a New Car – Adding a new car to your policy can save up to 30% because newer vehicles are generally safer.
• Drive Safe and Save – Safe drivers can pay as much as 50% less compared to rates paid by drivers with frequent claims.
• Discount for Passive Restraints – Vehicles equipped with air bags may earn rate discounts up to 30%.
• Driver’s Education for Students – Teen drivers should participate in a local driver’s education class in school or through a local driver safety program.
• Good Students Pay Less – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last up to age 25.
• Military Discounts – Being deployed with a military unit could be rewarded with lower prices.
• Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted rate on car insurance if you buy auto and life insurance together.
• Multiple Vehicles – Buying coverage for multiple vehicles with the same car insurance company can get a discount on all vehicles.
• Senior Discount – Drivers that qualify as senior citizens may be able to get a slight reduction on a Kansas City auto insurance quote.

Just know that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The information below shows the comparison of Subaru Outback auto insurance rates with and without discounts applied to the policy rates. Data assumes a male driver, no violations or accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, claim-free, and homeowner discounts applied.

Large car insurance companies and their offered discounts are detailed below.

• State Farm may have discounts that include good driver, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, and good student.
• Progressive may include discounts for online quote discount, good student, homeowner, continuous coverage, and multi-policy.
• Travelers policyholders can earn discounts including early quote, hybrid/electric vehicle, student away at school, driver training, IntelliDrive, and multi-policy.
• American Family offers discounts for TimeAway discount, bundled insurance, air bags, multi-vehicle, mySafetyValet, and Steer into Savings.
• Liberty Mutual discounts include new vehicle discount, preferred payment discount, hybrid vehicle, exclusive group savings, and new graduate.

Double check with every company which credits you are entitled to. Some of the discounts discussed earlier may not apply everywhere. If you would like to see a list of car insurance companies who offer online Subaru Outback insurance quotes in Missouri, click here to view.

Car insurance companies ranked

Selecting a highly-rated insurance provider can be difficult considering how many different companies sell coverage in Missouri. The rank data in the next section may help you decide which car insurance providers you want to consider when comparing rate quotes.

Top 10 Kansas City Car Insurance Companies Overall

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family