Affordable Insurance for a Subaru Outback in Bakersfield

It’s safe to conclude that auto insurance companies don’t want you to look for cheaper rates. Insureds who shop around once a year will presumably switch companies because they stand a good chance of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that people who make a habit of shopping around saved on average $3,400 over four years compared to drivers who never shopped around for better prices.

If finding the cheapest price for insurance in Bakersfield is your ultimate target, understanding how to get rate quotes and compare cheaper coverage can make shopping around easier.

The preferred way to find more affordable auto insurance rates in Bakersfield is to compare quotes once a year from providers who provide auto insurance in California.

1. Try to comprehend the different coverages in a policy and the changes you can make to drop your rates. Many policy risk factors that result in higher rates like distracted driving and a negative credit score can be amended by making small lifestyle or driving habit changes.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while independent agencies can quote prices for many different companies.
3. Compare the new rate quotes to your current policy to see if cheaper Outback coverage is available in Bakersfield. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.
4. Tell your current agent or company to cancel your current coverage and submit payment and a signed application for your new policy. Immediately keep the new proof of insurance certificate in your vehicle.

A crucial key to this process is to try to compare identical deductibles and limits on every price quote and and to compare as many companies as possible. Doing this guarantees a fair price comparison and many rates to choose from.

If you already have coverage, you should be able to cut your premiums using the ideas presented in this article. Locating the most cost-effective auto insurance policy in Bakersfield is really quite simple as long as you have a good starting point. But California car owners do need to learn the methods companies use to price insurance differently and apply this information to your search.

The quickest way to get policy rate comparisons for Subaru Outback insurance in Bakersfield takes advantage of the fact most insurance companies pay for the opportunity to quote your coverage. To get started, all you need to do is give them rating details like if it has an alarm system, how much school you completed, what your job is, and distance driven. Those rating factors is instantly provided to many of the top insurers and you get price estimates very quickly.

To compare multiple company lower-cost Subaru Outback insurance rates now, click here and find out if you can get cheaper insurance in Bakersfield.

The companies in the list below can provide quotes in Bakersfield, CA. If multiple providers are shown, it’s a good idea that you get rates from several of them in order to find the lowest rates.

Discounts for cheap insurance quotes

Auto insurance companies do not list all their discounts very clearly, so the next list breaks down both the well known and the harder-to-find savings tricks you should be using when you buy Bakersfield auto insurance online.

• Multi-car Discount – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
• Accident Waiver – This isn’t a discount exactly, but a few companies such as GEICO and Liberty Mutual allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
• Student Driver Training – Have your child take driver’s ed class in school.
• Sign Online – Some of the larger companies provide a small discount simply for signing over the internet.
• Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
• Senior Citizen Discount – Older drivers could receive lower premium rates.
• Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more on Outback insurance in Bakersfield.
• Seat Belt Usage – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
• Multi-line Discount – Insurance companies who offer life insurance give a small discount if you purchase auto and life insurance together.
• Renewal Discounts – Some larger companies reward drivers for switching companies prior to the expiration date on your current Outback insurance policy. This can save 10% or more.

As a sidenote, some credits don’t apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, it’s just not the way it works.

The information below visualizes the comparison of Subaru Outback insurance costs with and without policy discounts. The data is based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, marriage, claim-free, and multi-car discounts applied.

A partial list of companies that may offer these benefits include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• GEICO
• SAFECO

When getting a coverage quote, ask each company which discounts they offer. Some of the discounts discussed earlier may not be available in your area.

Analysis of coverages

The table below highlights detailed analysis of insurance premium costs for Subaru Outback models. Being aware of how insurance quotes are calculated can benefit drivers when making informed decisions.

Data assumes 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-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific location information which can change premiums significantly.

Policy deductible comparison

When buying car insurance, a common question is where to set your physical damage deductibles. The rates below may help to conceptualize the costs and benefits when you choose different deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium amounts do not factor in specific location information which can modify coverage prices noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $30 more each month or $360 annually across all Subaru Outback models than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have more than 13 months between claim filings, you would most likely save money if you opt for a higher deductible. Below is how you can come to your own conclusion.

One thing to be aware of is that a higher deductible results in a higher out-of-pocket expense when you file a claim. That will necessitate enough extra money in the event you need to pay the deductible for vehicle repair.

The chart below demonstrates how deductible levels and can influence Subaru Outback insurance costs for different age categories. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Safe drivers pay less for car insurance

The example below shows how speeding tickets and at-fault fender-benders influence Subaru Outback insurance premiums for each different age category. The premiums assume a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Car insurance premiums based on gender

The diagram below shows the comparison of Subaru Outback auto insurance costs for male and female drivers. The premium estimates are based on no claims or driving citations, full physical damage coverage, $500 deductibles, single marital status, and no other discounts are factored in.

Full coverage rates compared to liability-only

The information below visualizes the comparison of Subaru Outback annual premium costs with full physical damage coverage and with liability coverage only. The premiums assume no violations or accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to stop paying for full coverage

There is no specific rule for phasing out physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Subaru Outback replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after paying your deductible. If you are paying in excess of $600 annually for physical damage coverage, then it might be time to buy liability only.

There are some cases where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

What Determines Subaru Outback Insurance Rates?

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that are used to determine your premiums. If you have a feel for what determines base rates, this enables informed choices that could help you find lower premium levels. Many different elements are part of the calculation when pricing auto insurance. Some are obvious such as your driving record, although some other factors are not as apparent such as your credit history or how financially stable you are.

• Liability coverage is critical – Your policy’s liability coverage will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Credit history impact car insurance rates – Having a bad credit score is a large factor in determining premium rates. People with excellent credit scores tend to be less risk to insure than drivers who have bad credit. If your credit rating is not that good, you may save money insuring your Subaru Outback if you clean up your credit.
• Safer the car lower the rate – Cars with high safety ratings can get you lower premiums. The safest vehicles reduce the chance of injuries and lower rates of occupant injuries translates directly to fewer claims and cheaper rates on your policy. If your Subaru Outback scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• Lower premiums with alarm systems – Driving a car that has a built-in theft deterrent system can help lower your rates. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft and help bring rates down.

• Subaru Outback insurance loss statistics – Companies use data from past claims to help determine the rate you pay. Vehicles that historically have higher prevalence or dollar amount of losses will have a higher premium rate.

  The table shown below demonstrates the insurance loss data used by companies for Subaru Outback vehicles. For each insurance policy coverage type, the claim amount for all vehicles, as an average, is equal to 100. Values below 100 indicate a favorable loss history, while numbers that are greater than 100 point to more claims or larger claims.

  
  

  Car Insurance Loss Data for Subaru Outback Models

  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

  BETTER

  AVERAGE

  WORSE

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