Cheap Insurance for a Subaru Outback in Seattle

Do you want an efficient way to compare more affordable Subaru Outback insurance in Seattle? Nobody I know fancies paying their premiums for car insurance, especially when they are aware that their premiums are through the roof.

Regrettably, most car insurance customers have purchased from the same company for a minimum of four years, and 38% of customers have never shopped around. Many drivers in Washington could save as much as $400 each year just by getting comparison quotes, but most undervalue how much they could save if they switched to a cheaper policy.

Drivers have so many insurance companies to buy insurance from, and even though it’s nice to be able to choose, so many choices can make it hard to find the lowest cost provider for Subaru Outback insurance in Seattle.

We hope to teach you the best way to buy inexpensive insurance and also pocket some savings If you currently have insurance, you will definitely be able to cut your premiums using the concepts covered in this article. Nevertheless, Washington drivers need to have an understanding of how the larger insurance companies sell online because it varies considerably.

Best companies for Subaru Outback insurance

The following companies have been selected to offer free quotes in Washington. If several companies are displayed, it’s highly recommended you visit several of them to get a more complete price comparison.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can change coverage rates significantly.

Policy deductible comparison

When shopping for car insurance, a common question is how high should your deductibles be. The comparison tables below may help to illustrate the differences in premium rates when you select higher and lower coverage deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in Seattle location which can influence coverage rates noticeably.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $21 more each month or $252 a year than selecting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 19 months between claims, you would save money if you decide on a higher deductible.

Save a ton by earning discounts

The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. Certain credits will be shown when you get a quote, but some may not be applied and must be specially asked for before they will apply.

• Full Payment Discount – By paying your entire bill at once instead of making monthly payments you can actually save on your bill.
• Save over 55 – If you’re over the age of 55, you could receive better auto insurance rates.
• Employee of Federal Government – Active or former government employment may qualify for a discount when you quote Seattle car insurance with some auto insurance companies.
• Claim-Free Discount – Drivers with accident-free driving histories pay much less in comparison to accident-prone drivers.
• Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of 25 to 30%.
• Service Members Pay Less – Being on active deployment in the military could qualify you for better rates.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A list of companies and their offered discounts are outlined below.

• Travelers offers premium reductions for multi-car, IntelliDrive, good student, hybrid/electric vehicle, and multi-policy.
• 21st Century has savings for 55 and older, anti-lock brakes, driver training, teen driver, and good student.
• State Farm includes discounts for driver’s education, passive restraint, student away at school, good student, and Steer Clear safe driver discount.
• GEICO may include discounts for federal employee, membership and employees, anti-theft, driver training, and good student.
• SAFECO policyholders can earn discounts including bundle discounts, anti-theft, multi-car, safe driver, homeowner, and accident prevention training.
• AAA offers discounts including good driver, education and occupation, multi-policy, anti-theft, AAA membership discount, and good student.

Double check with each company which credits you are entitled to. Some discounts listed above may not apply to policyholders in your area. If you would like to choose from a list of companies who offer discounts in Washington, follow this link.

Auto insurance agents near you

Certain consumers just prefer to buy from a licensed agent. One of the best bonuses of getting online price quotes is that you can find cheaper rates and still buy from a local agent. And buying from local agents is definitely important in Seattle.

After filling out this quick form, your insurance coverage information is sent to local insurance agents in Seattle who can give free rate quotes for your insurance coverage. You won’t even need to even leave your home since rate quotes are delivered immediately to your email address. You can most likely find cheaper rates and an insurance agent to talk to. If you want to get a price quote from a specific insurance company, you just need to navigate to their website and fill out their quote form.

Shown below are agents in Seattle that can give you rate quotes for Subaru Outback insurance in Seattle.

More Seattle agents

Deciding on an provider requires you to look at more than just the price. Here are some questions you should ask.

• Do they get paid more for recommending certain coverages?
• Are they involved in claim handling?
• Is vehicle damage repaired with OEM or aftermarket parts?
• How many years have they been established?
• Do they make recommendations based only on price?
• How experienced are they in personal risk management?
• What insurance companies do they work with in Seattle?

Is there truth in advertising?

Car insurance companies such as Allstate and Progressive endlessly run ads on TV and radio. They all seem to try to convey promises that you can save just by moving your policy. How does every car insurance company lower your auto insurance rates? Here is how they do it.

All the different companies quote their best rates for the type of driver that will not have excessive claims. For example, this type of insured may need to be married and over the age of 30, insures multiple vehicles, and has a short commute. Anyone who meets those qualifications gets the lowest prices and as a result will probably save if they switch.

Consumers who are not a match for these standards will probably be forced to pay a higher rate with the end result being the prospect going elsewhere. If you pay attention, the ads say “people who switch” but not “all drivers who get quotes” can save as much as they claim. That is how companies can truthfully state the savings.

Because every company is different, you absolutely need to do a rate comparison at every renewal. It’s just too difficult to predict which company will provide you with the cheapest Subaru Outback insurance in Seattle.

Compare but don’t skimp

When getting Seattle car insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured cut collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

You just read a lot of tips how to reduce Subaru Outback insurance rates online in Seattle. The key concept to understand is the more you quote Seattle car insurance, the better your comparison will be. You may even be surprised to find that the lowest priced auto insurance comes from a small local company. Smaller companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

More learning opportunities

• What is Full Coverage? (Allstate)
• Who Has Affordable Auto Insurance Rates for Drivers with Bad Credit in Seattle? (FAQ)
• Who Has Cheap Seattle Auto Insurance for Inexperienced Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance for Infrequent Drivers in Seattle? (FAQ)
• Determing Auto Insurance Rates (GEICO)
• Auto Insurance Learning Center (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• How Much Auto Coverage do I Need? (Insurance Information Institute)