Subaru Outback insurance image courtesy of QuoteInspector.com
Finding cheaper car insurance for a Subaru Outback depends on a whole bunch of factors such as when you were born, where you live, and any prior driving citations you have received. Colorado drivers pay approximately $970 annually for Outback insurance, but that is a projection calculated based on a 40-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
If we were betting, you are not 40 years old and maybe not even female, maybe you are married instead of single, or maybe you prefer liability limits higher than required by Colorado state law. Just a minor difference in rating variables could end up in a significant change in rates.
There is no one cookie-cutter policy that works for everyone, so the best method for finding cheap insurance prices for your Subaru is to just compare rates yourself.
The trim level of your vehicle will influence the insurance rate, so the price to insure a Outback 2.5I model will be $136 cheaper than the insurance cost for the higher-end Outback 3.6R Limited model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$182||$326||$456||$28||$136||$1,128||$94|
|Outback 2.5I Limited||$182||$326||$456||$28||$136||$1,128||$94|
|Outback 3.6R Premium||$182||$326||$456||$28||$136||$1,128||$94|
|Outback 3.6R Limited||$202||$384||$456||$28||$136||$1,206||$101|
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in specific location information which can impact price quotes greatly.
Figuring out which company quotes the lowest-priced auto insurance rates for a Subaru Outback takes a bit more work than just getting one or two price quotes.
Each insurer uses a little different formula to set premium rates, so we'll take a look at the auto insurance companies that tend to have lower prices in Aurora.
Find Cheaper Auto Insurance for Your Subaru
|Rank||Company||Cost Per Year|
|15||Colorado Farm Bureau||$1,592|
|Quote Your Rates Go|
The Hartford may have some of the best car insurance rates in Aurora at around $859 per year. Grange, USAA, Nationwide, and Travelers also rank well as some of the cheapest Aurora, CO auto insurance companies.
As shown in the rates above, if you are currently insured with USAA and switched to The Hartford, you may see a yearly price reduction of upwards of $150. Colorado drivers with Nationwide may save as much as $284 a year, and Travelers insureds might cut rates by $324 a year.
These policy prices are averaged across all drivers and vehicles and and are not calculated with an exact zip code location for a Subaru Outback. So the insurer that fits your age and vehicle best may not even be in the top 21 companies in the list above. That is why you need to get rate quotes from many companies using your own driver and vehicle profiles.
Violations and accidents raise rates
The ideal way to enjoy affordable auto insurance rates in Aurora for an Outback is to be a cautious driver and avoid getting tickets or having accidents. The diagram below shows how traffic citations and at-fault fender-benders can raise annual premium costs for different age groups of insureds. The price estimates are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are applied.
In the prior example, the average cost of car insurance in Aurora per year with no violations or accidents is $1,779. Get one speeding ticket and the average cost swells to $2,042, an increase of $263 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance for a Subaru Outback goes up to an average of $2,762. That's an increase of $983, or $82 per month, just for not driving attentively!
The importance of shopping around
Aurora auto insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Improving your credit score, having a teen driver, or getting caught speeding can cause premium changes that may make certain companies cheaper than others.
Additionally, insurers file new rates as often as every quarter to help ensure profitability. Significantly higher losses can cause high rates, while a lower level of claims can cause more affordable Outback insurance rates.
To illustrate this example, the bar chart below shows which company has the cheapest car insurance in Aurora, CO for a 30-year-old male driver with no violations or accidents, and great credit. If we estimate prices based on his personal profile, The Hartford may have the cheapest car insurance rates in Aurora at $1,110 per year. This is $468 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are also on the list of the most affordable Aurora, CO auto insurance companies.
Now we will pretend the driver in the first example a claim or two, bad credit, and a couple of points charged on his driving record. Since each insurance company has a unique approach for determining prices, getting updated rate quotes may now present a significantly different list of the cheapest car insurance companies in Aurora as shown below.
Travelers now has the best car insurance rate in Aurora with State Farm, American Family, Grange, and Progressive also having competitive pricing. This example shows why it is important to take the time to shop around when trying to find the most affordable insurance quotes for a Subaru Outback. Insurance rates can be determined by many things and change dramatically, so the most affordable company the last time you checked may now be priced much higher than other options.
The insurance agencies listed below are willing to answer your questions and help you decide which coverage meets your needs best, as many people would rather have a little guidance when shopping around for cheaper insurance for a Subaru Outback. It can be time-consuming to find the cheapest rate yourself, so a professional agent can give you peace of mind knowing you have adequate protection in the event of a claim. To find an agent using an interactive map, click the link at the bottom or click here to compare rates now.
MG Insurance Brokers Llc
2600 S Parker Rd # 263 - Aurora, CO 80014 - (303) 309-6200
Allstate Insurance: Jack Sughrue
2226 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 751-4701
Rick Simmons - State Farm Insurance Agent
14571 E Mississippi Ave - Aurora, CO 80012 - (303) 369-4100
Robbie Wright - State Farm Insurance Agent
3091 S Jamaica Ct #130 - Aurora, CO 80014 - (303) 597-1997
Allstate Insurance: Larry Meurisse
1710 S Buckley Rd Unit 6 - Aurora, CO 80017 - (303) 752-1441
Ideas for finding more affordable insurance for a Subaru Outback
Below you'll find a few money-saving solutions that can help Aurora drivers buy cheaper coverage.
- Raise your deductibles
- Drivers with good credit ratings often pay less
- Do not get traffic tickets
- Do not insure for full coverage
- Buy a safer vehicle
- Maintain a safe distance and avoid accidents
- Shop around and save
The final tip is extraordinarily necessary, as we pointed out in the prior information. Car insurance prices vary greatly, so don't be afraid to switch companies if a cheaper rate is available. Loyalty to a specific company is fine, but it isn't a good idea if that dedication is costing potentially thousands of dollars a year. In just a couple of minutes you could compare prices to find cheaper car insurance for a Subaru Outback in Aurora.