Compare Subaru Outback Insurance Rate Quotes in Irvine

Are you looking for low-cost insurance rates in Irvine, CA? Irvine consumers have a choice when looking for low-cost Subaru Outback insurance. They can either spend hours driving around to get rate comparisons or use the internet to compare rates.

There are more efficient ways to buy insurance so you’re going to learn the absolute fastest way to compare rates on a Subaru and find the lowest price from both online companies and Irvine agents.

Finding a lower price on Subaru Outback insurance is actually easier than you may think. Consumers just need to invest a little time comparing free Irvine auto insurance quotes online from several insurance companies.

The companies shown below offer price quotes in California. To get cheaper auto insurance in Irvine, CA, we recommend you get price quotes from several of them in order to find the cheapest rates.

Statistics and details

The coverage information displayed next covers a range of insurance costs for Subaru Outback models. Learning how auto insurance policy rates are formulated can be of help when making smart choices when selecting a policy.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in garaging location in Irvine which can impact prices substantially.

Physical damage deductible comparison

A question often asked by Irvine drivers is the level to set your comp and collision deductibles. The following tables help summarize the differences in price of buying low and high coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in zip code location which can influence price quotes significantly.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $45 more each month or $540 every year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 20 months between claim filings, you would more than likely save some money going with the higher deductible.

Three reasons insurance is important

Even though it’s not necessarily cheap to insure a Subaru in Irvine, buying insurance may be required and benefits you in several ways.

• Most states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your Outback, most banks will make it a condition of the loan that you carry insurance to guarantee payment of the loan. If the policy lapses, the lender may insure your Subaru at a much higher premium rate and require you to fork over for it.
• Insurance protects your vehicle and your assets. Insurance will also pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage will also pay to defend you if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay to restore your vehicle to like-new condition.

The benefits of buying insurance are without a doubt worth the cost, especially with large liability claims. As of last year, the average driver in California overpays more than $820 a year so we recommend shopping around every year to ensure rates are competitive.

Why You Might Pay Inflated Rates in Irvine

Lots of things are part of the equation when quoting car insurance. A few of the factors are predictable such as your driving record, but some are not as apparent such as your marital status or how safe your car is. Smart consumers have a good feel for some of the elements that help calculate the rates you pay for auto insurance. If you have a feel for what determines premiums, this empowers consumers to make smart changes that may reward you with big savings.

• Insure your auto and home with one company – Some insurers allow better rates for people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare Subaru Outback rates in Irvine to guarantee you are still saving the most. You may still save money even if you have your coverage with different companies

• Teenagers are high risk – Young drivers in California tend to get distracted easily with other occupants in the car so auto insurance rates are higher. Having to add a teenage driver to your auto insurance policy can really hurt. Older insureds are more responsible, file fewer claims, and are generally more financially stable.

  The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Do you work long hours in a tough vocation? – Did you know that where you work can have an impact on rates? Careers like military personnel, business owners, and medical professionals tend to pay the highest rates due to high stress and incredibly demanding work hours. On the flip side, jobs like actors, historians and retirees have the lowest average rates.
• Physical damage deductibles – Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and burglary. The deductibles represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. The more money you choose to pay out-of-pocket, the less your company will charge you for insurance.

• Men are more aggressive – Over the last 50 years, statistics have shown that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Females and males have fender benders at a similar rate, but males tend to have higher claims. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.

  The diagram below shows the comparison of Subaru Outback insurance prices for male and female drivers. The data assumes no violations or accidents, full coverage, $100 deductibles, drivers are single, and no discounts are applied.

• Obey driving laws and save – Attentive drivers tend to pay less for car insurance than their less careful counterparts. Only having one moving violation can increase rates by as much as twenty percent. Drivers who have gotten dangerous violations such as DUI or reckless driving may find that they have to to complete a SR-22 with their state DMV in order to prevent a license revocation.

  The information below illustrates how speeding tickets and at-fault claims impact Subaru Outback insurance rates for different age groups of insureds. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

• Do you save by driving less? – The higher the mileage driven annually the higher the price you pay to insure it. A lot of companies calculate prices based upon how you use the vehicle. Cars that sit idle most of the time qualify for better rates than cars that get driven a lot. Verify your auto insurance policy is rated on the right rating data, because it can save money. Having an incorrect usage rating on your Outback may be wasting your money.

• Insurance loss probability for a Subaru Outback – Insurance companies use past insurance losses as a way to help calculate a profitable premium price. Models that statistically have a trend towards higher claim severity or frequency will cost more for specific coverages.

  The table below illustrates the historical insurance loss data for Subaru Outback vehicles. For each policy coverage, the claim probability for all vehicles compiled together is set at 100. Numbers shown that are under 100 suggest losses that are better than average, while values that are above 100 indicate frequent claims or larger claims.

  
  

  Auto Insurance Loss Data for Subaru Outback Models

  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

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car insurance rates and discounts

Car insurance is neither fun to buy or cheap, but you may find discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time you complete a quote, but a few must be requested specifically before you get the savings. If you don’t get every credit possible, you may be paying too high a price.

• Good Grades Discount – Performing well in school can get you a discount of up to 25%. Most companies allow this discount up to age 25.
• Low Miles Discount – Keeping the miles down on your Subaru can qualify you for lower rates due to less chance of an accident.
• First Accident Forgiveness – This one is not really a discount per se, but certain companies will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free prior to the accident.
• Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations could trigger savings on your policy.
• Auto/Life Discount – If the company offers life insurance, you could get lower prices if you buy a life insurance policy as well.
• Payment Method – If you can afford to pay the entire bill instead of making monthly payments you can avoid monthly service charges.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, that’s just not realistic.

The illustration below illustrates the comparison of Subaru Outback insurance prices with and without discounts applied. The data assumes a female driver, no violations or accidents, California 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 multi-policy, multi-car, safe-driver, marriage, homeowner, and claim-free discounts applied.

A list of car insurance companies and their offered discounts are detailed below.

• Farm Bureau has savings for 55 and retired, renewal discount, driver training, good student, and multi-policy.
• Liberty Mutual has discounts for good student, new vehicle discount, teen driver discount, newly retired, new graduate, new move discount, and preferred payment discount.
• State Farm may include discounts for Drive Safe & Save, good driver, multiple policy, accident-free, driver’s education, and passive restraint.
• Auto-Owners Insurance offers discounts for air bags, student away at school, safe driver, paid in full, and teen driver.
• GEICO may offer discounts for good student, defensive driver, air bags, driver training, military active duty, anti-lock brakes, and five-year accident-free.
• SAFECO offers premium reductions for teen safety rewards, safe driver, anti-theft, anti-lock brakes, and teen safe driver.

Before buying, ask every company how you can save money. Some credits might not be available to policyholders in your state. To choose insurance companies that have a full spectrum of discounts in California, follow this link.

Situations that may require an agent’s advice

When choosing your policy for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For instance, these questions may help you determine if your insurance needs may require specific advice.

• Why is insurance for a teen driver so high in Irvine?
• When should I not file a claim?
• Do I have ACV or replacement cost coverage?
• Do I need motorclub coverage?
• Do I have coverage when pulling a U-Haul trailer?
• Am I covered when driving someone else’s vehicle?
• Is business property covered if stolen from my car?
• Who sells insurance for high-risk drivers?
• Do I have coverage when making deliveries for my home business?
• How do I insure my teen driver?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance agent or online?

Some consumers would rather buy from a licensed agent. Agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of comparing rates online is that you can obtain cheap rate quotes and still buy from a local agent. Buying insurance from neighborhood insurance agencies is important particularly in Irvine.

Upon completion of this short form, the quote information is sent to local insurance agents that provide free Irvine auto insurance quotes to get your business. You never need to search for any insurance agencies since price quotes are sent instantly to you. If you wish to quote rates from a particular provider, feel free to jump over to their website and submit a quote form there.

When researching a reliable insurance agency, you must know there are a couple different agency structures and how they can service your needs differently. Insurance agencies are considered either independent agents or exclusive agents depending on their employer. Either one can sell and service insurance coverage, but it’s important to point out how they differ since it can impact your selection of an agent.

Independent Insurance Agencies

Agents in the independent channel often have affiliation with several companies so as a result can place your coverage through many different insurance companies and get the cheapest rates. If your premiums go up, an independent agent can move your coverage and you don’t have to switch agencies.

When comparing insurance rates, you definitely need to contact several independent insurance agents in order to have the best price comparison. Many write coverage with companies you’ve never heard of who may have lower rates.

Below is a small list of independent agencies in Irvine who may provide free insurance quotes.

• Gardner Insurance Orange County
  4952 Warner Ave – Huntington Beach, CA 92649 – (714) 846-4231 – View Map
• Ryan Hoherd, AFLAC Insurance Agent: Orange County, Long Beach, Riverside County
  2770 S Harbor Blvd – Santa Ana, CA 92704 – (562) 212-3290 – View Map
• Tustin Insurance Agency
  17621 Irvine Blvd #112 – Tustin, CA 92780 – (714) 838-1704 – View Map

More Irvine agents

Exclusive Agencies

Agents in the exclusive channel are contracted to one company such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide other company’s prices so they really need to provide good service. Exclusive insurance agents receive extensive training on what they offer which helps offset the inability to provide other markets. Some people will only buy from the same agent for years primarily because of the brand name instead of buying on price only.

Shown below is a short list of exclusive insurance agencies in Irvine who can help you get price quote information.

• Chris Barr – State Farm Insurance Agent
  17802 Irvine Blvd a121 – Tustin, CA 92780 – (714) 544-2558 – View Map
• John Luithly – State Farm Insurance Agent
  16277 Laguna Canyon Rd F – Irvine, CA 92618 – (949) 727-4442 – View Map
• Allstate Insurance: Jeff Adams
  4860 Irvine Blvd Ste 206 – Irvine, CA 92620 – (714) 505-2457 – View Map

More Irvine agents

Choosing an car insurance agent should include more criteria than just the price. Below are some questions you should ask.

• Will the quote change when the policy is issued?
• Do they regularly work with personal auto policies in Irvine?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Does their agency support local causes in Irvine?
• Do they make recommendations based only on price?
• When do they do a full risk review?
• What company holds the largest book of business for them?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.

The best rates come from being thorough

A few companies do not offer internet price quotes and many times these small insurance companies only sell through local independent agencies. Cheaper insurance in Irvine is possible online in addition to local insurance agencies, and you need to price shop both to have the best selection.

Insureds leave their current company for many reasons like denial of a claim, poor customer service, policy non-renewal and high prices. Whatever your reason, finding a new insurance company can be less work than you think.

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The goal is to get the best coverage possible at the best possible price, not the least amount of coverage.

Steps to finding the cheapest rates for Subaru Outback insurance in Irvine

The most effective way to find discount car insurance rates is to start comparing prices regularly from insurance carriers who provide auto insurance in Irvine.

1. Try to learn a little about how your policy works and the changes you can make to prevent rate increases. Many factors that cause rate increases like inattentive driving and a less-than-favorable credit history can be amended by making lifestyle changes or driving safer.
2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple companies.
3. Compare the new rates to your existing coverage and determine if there is any savings. If you find better rates and decide to switch, make sure there is no lapse in coverage.

A tip to remember is that you’ll want to make sure you compare the same amount of coverage on every price quote and and to get rates from as many companies as you can. This enables an accurate price comparison and and a good selection of different prices.

More information is available below:

• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• Who Has Affordable Irvine Auto Insurance for a Kia Forte? (FAQ)
• Who Has the Cheapest Irvine Car Insurance Rates for Inexperienced Drivers? (FAQ)
• Who Has Cheap Auto Insurance Rates for Electric Cars in Irvine? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Seniors in Irvine? (FAQ)
• Who Has the Cheapest Irvine Car Insurance Rates for Police Officers? (FAQ)
• Choosing a Car for Your Teen (State Farm)
• Eight Auto Insurance Myths (Insurance Information Institute)
• Distracted Driving (Insurance Information Institute)