Truthfully, the best way to get affordable Subaru Outback insurance in Tucson is to start comparing rates regularly from insurers in Arizona.
- Step 1: Try to understand what coverages are included in your policy and the modifications you can make to prevent expensive coverage. Many rating factors that are responsible for high rates like at-fault accidents, careless driving, and a substandard credit history can be remedied by making small lifestyle or driving habit changes.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers.
- Step 3: Compare the price quotes to your current policy and see if there is a cheaper rate in Tucson. If you find a lower rate quote and make a switch, make sure there is no coverage gap between policies.
- Step 4: Notify your agent or company to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to your new company or agent. Once received, safely store the proof of insurance certificate in an accessible location in your vehicle.
An important note is to use identical coverage information on every quote request and and to get prices from every insurance company. Doing this enables an accurate price comparison and many rates to choose from.
It’s safe to assume that auto insurance companies don’t want policyholders to shop around. Consumers who shop around for better prices will presumably buy a new policy because there is a great chance of finding better rates. A study showed that drivers who compared rates regularly saved as much as $3,500 over four years as compared to drivers who never compared rates.
If saving money on car insurance in Tucson is your goal, then learning about the best way to compare coverages can make shopping around easier.
Finding the cheapest auto insurance coverage in Tucson is actually quite simple. If you’re already insured, you will definitely be able to lower your rates using the techniques covered below. Smart shoppers just need to learn the least time-consuming way to shop from many different companies.
The fastest way that we advise to compare insurance rates in your area is to know the trick most of the larger companies will pay a fee to give you rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information including if you require a SR-22, how much school you completed, how old drivers are, and if your license is active. Those rating factors is sent automatically to many different companies and you will get price comparisons instantly to find the best rate.
To check Subaru Outback insurance prices now, click here and complete the form.
The following companies can provide free quotes in Arizona. To find the best cheap car insurance in Tucson, we recommend you get rates from several of them in order to find the most competitive rates.
Get cheaper Subaru Outback insurance in Tucson with discounts
Auto insurance companies don’t always advertise all available discounts very clearly, so we break down a few of the more well known and the harder-to-find ways to save on auto insurance.
- Tucson Homeowners Pay Less – Owning a home in Tucson can earn you a little savings since home ownership means you have a higher level of financial diligence.
- Driver Training Discounts – Passing a driver safety class may get you a small discount and make you a better driver.
- Theft Deterrent – Vehicles that have factory anti-theft systems help deter theft and can earn a small discount on your policy.
- Government Employees – Simply working for the federal government can save as much as 8% with select insurance companies.
- Bundle and Save – If you can combine your homeowners and auto policy and insure them both with the same insurance company you could earn a discount of as much as 10 to 15 percent.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates.
- Driver Education Discount – Have your child enroll and complete driver’s education in high school.
- E-sign Discounts – Certain larger companies provide a small discount for completing your application on their website.
- ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control can avoid accidents and the ABS can save up to 10%.
- Safe Drivers – Insureds without accidents could pay up to 40% less than less cautious drivers.
Remember that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, you’re out of luck.
The example below visualizes the comparison of Subaru Outback annual premium costs with and without discounts applied to the rates. The price estimates are based on a male driver, no claims or driving violations, Arizona 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 marriage, homeowner, claim-free, multi-car, safe-driver, and multi-policy discounts applied.
A few companies that may include these money-saving discounts may include but are not limited to:
Double check with all companies you are considering which discounts you qualify for. All car insurance discounts may not apply to policyholders in every state.
Analysis of Subaru Outback rates
The rate information displayed below covers estimates of prices for Subaru Outback models. Having knowledge of how insurance policy premiums are calculated helps drivers make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $264 | $352 | $308 | $18 | $92 | $1,034 | $86 |
| Outback 2.5I Premium | $264 | $428 | $308 | $18 | $92 | $1,110 | $93 |
| Outback 2.5I Limited | $264 | $428 | $308 | $18 | $92 | $1,110 | $93 |
| Outback 3.6R | $264 | $428 | $308 | $18 | $92 | $1,110 | $93 |
| Outback 3.6R Premium | $264 | $428 | $308 | $18 | $92 | $1,110 | $93 |
| Outback 3.6R Limited | $296 | $506 | $308 | $18 | $92 | $1,220 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific location information which can impact insurance rates substantially.
The diagram below illustrates how your choice of deductibles and can influence Subaru Outback insurance costs for different age groups. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Bad driving habits will cost you more
The diagram below highlights how traffic violations and fender-benders can raise Subaru Outback insurance prices for different age groups. The costs are based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.
Liability only or full coverage
The chart below illustrates the comparison of Subaru Outback car insurance costs with and without physical damage coverage. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.
Guidelines for dropping full coverage
There is no definitive rule of when to stop paying for physical damage coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s assume your Subaru Outback settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after paying your policy deductible. If you are paying more than $700 a year for physical damage coverage, then it could be time to drop full coverage.
There are a few situations where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
How You Can Control Subaru Outback Insurance Prices
Many factors are used in the calculation when premium rates are determined. Some are pretty understandable such as your driving history, but other factors are not quite as obvious like your continuous coverage or your vehicle rating. Smart consumers have a good feel for some of the factors that are used to determine your premiums. If you know what influences your rates, this enables you to make decisions that may reward you with lower premium levels.
The itemized list below are a few of the things utilized by car insurance companies to help set your rates.
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Insurance rates are higher for high performance vehicles – The type of car, truck or SUV you are trying to find cheaper insurance for makes a substantial difference in determining your rates. Small economy passenger cars receive the most favorable rates, but that’s not the only thing that factors into the final price.
The following chart assumes a single male driver age 20, full coverage with $250 deductibles, and no discounts or violations. The data compares Subaru Outback insurance rates compared to other vehicles that have a range of performance risks.
- Cheaper rates with safer cars – Safe vehicles are cheaper to insure. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
- Uninterrupted coverage lowers auto insurance rates – Allowing your auto insurance policy to lapse can be a quick way to bump up your auto insurance costs. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a revoked license or a big fine.
- Keep the miles off and save – Driving a lot of miles every year the more it will cost to insure it. Many insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. It’s a smart idea to ensure your auto insurance coverage properly reflects annual mileage, because it can save money. An incorrectly rated Outback is throwing money out the window.
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Subaru Outback insurance loss probability – Insurers use past loss statistics for each vehicle to calculate a rate that will offset any claims. Vehicles that have a trend towards higher claims will have a higher cost to insure. The table below outlines the insurance loss data used by companies for Subaru Outback vehicles.
For each coverage type, the loss probability for all vehicles as a whole is considered to be 100. Percentage numbers below 100 suggest a positive loss record, while numbers shown that are more than 100 indicate more frequent losses or an increased likelihood of larger losses.
Subaru Outback Insurance Claim Statistics Vehicle 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 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Are insurance agents obsolete?
A small number of people still like to have an agent’s advice and often times that is recommended Experienced insurance agents are very good at helping people manage risk and help you file claims. An additional benefit of comparing insurance online is that drivers can save money and get cheap insurance quotes and still have a local agent.
By using this quick form, your coverage information is submitted to agents in your area who will return price quotes for your business. You won’t even need to even leave your home since rate quotes are delivered instantly to you. If you have a need to get a rate quote from a specific insurance company, just visit that company’s website and give them your coverage information.
Picking the best insurance company requires you to look at more than just a cheap price quote. Here are some questions you should ask.
- Are aftermarket or OEM parts used to repair vehicles?
- Will high miles depreciate repair valuations?
- By raising physical damage deductibles, how much would you save?
- Will the company cover a rental car if your car is getting fixed?
- How experienced are they in personal risk management?
If you want a good insurance agency, there are two different types of agents and how they can service your needs differently. Insurance agencies in Tucson are classified as either independent (non-exclusive) or exclusive. Either one can insure your vehicles, but it’s important to know why they differ because it can factor into the selection process.
Exclusive Insurance Agencies
Agents of this type can only quote rates from one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. They are unable to compare rates from other companies so it’s a take it or leave it situation. Exclusive agents receive extensive training on their company’s products and that can be a competitive advantage. Some insured continue to use the same exclusive agent mostly because of the prominent brand name rather than low rates.
Listed below are exclusive agents in Tucson that can give you price quote information.
- Tim Heffentrager – State Farm Insurance Agent
116 S Kolb Rd – Tucson, AZ 85710 – (520) 296-7181 – View Map - Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 – Tucson, AZ 85706 – (520) 746-1079 – View Map - Al Vasey – State Farm Insurance Agent
7401 E 22nd St – Tucson, AZ 85710 – (520) 514-0222 – View Map
Independent Insurance Agents
Independent agents often have affiliation with several companies so they can insure your vehicles with many different companies and potentially find a lower price. If your agent finds better pricing, they can switch companies in-house and the insured can keep the same agent.
If you need cheaper insurance rates, you will definitely want to get several quotes from a few independent agents to get the most accurate price comparison. They often place coverage with lesser-known insurance companies which can be an advantage.
Listed below are Tucson independent insurance agencies that can give you price quote information.
- AZ Insurance Center
8880 E Speedway Blvd #101 – Tucson, AZ 85710 – (520) 722-0665 – View Map - RightSure Insurance Group
5151 E Broadway Blvd #120 – Tucson, AZ 85711 – (520) 901-7010 – View Map - Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900 – View Map
Best auto insurance company in Tucson
Buying coverage from the right insurance provider can be challenging considering how many companies are available to choose from in Arizona. The ranking data in the lists below may help you select which auto insurers you want to consider putting your business with.
Top 10 Tucson Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
One last thing to lower rates
A few companies do not offer online quoting and usually these small, regional companies prefer to sell through independent agents. Affordable Subaru Outback insurance in Tucson is definitely available from both online companies in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture.
People leave their current company for a number of reasons such as not issuing a premium refund, questionable increases in premium, high rates after DUI convictions or an unsatisfactory settlement offer. Whatever your reason, finding a new insurance company is easier than you think.
We covered quite a bit of information on how to save on Subaru Outback insurance in Tucson. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the lowest car insurance rates come from a smaller regional carrier.
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- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Drunk Driving Statistics (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)