Find Cheaper Subaru Outback Insurance in Boston

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Discount Subaru Outback insuranceHow long has it been since you shopped around for low-cost Subaru Outback insurance in Boston? No one loves paying for auto insurance, especially when they are aware that they could find better prices if they shop around.

A recent NerdWallet.com study revealed that over 70% of consumers have purchased from the same company for at least four years, and practically 40% of auto insurance customers have never even compared rates from other companies. Drivers in the U.S. could save as much as 46.5% every year, but they don't know how much money they would save if they changed companies.

How to find affordable Subaru Outback insurance in Boston

If you want to save the most money, the best way to find low-cost Subaru Outback insurance in Boston is to compare quotes annually from providers who provide car insurance in Massachusetts.

  • Step 1: Get an understanding of how your policy works and the modifications you can make to keep rates down. Many rating criteria that cause high rates such as getting speeding tickets and bad credit can be improved by making minor changes in your lifestyle. Continue reading for additional tips to lower rates and get additional discounts.
  • Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can provide prices from multiple companies.
  • Step 3: Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you can save some money and make a switch, verify that coverage does not lapse between policies.

The most important part of shopping around is to use similar coverage information on each price quote and and to compare as many companies as possible. This ensures a fair price comparison and a thorough price selection.

There is such a variety of auto insurance companies to choose from, and although it's nice to be able to choose, it can be more difficult to compare rates and find the lowest cost auto insurance.

Finding affordable auto insurance coverage in Boston is much easier if you have a good place to start. If you are already insured or need new coverage, you can use these tips to reduce the price you pay without reducing protection. Smart shoppers just have to learn the most effective way to compare different rates instantly.

Affordable Boston Subaru Outback insurance

All the larger car insurance companies like State Farm and Allstate give coverage price quotes on their websites. Comparing Subaru Outback insurance rates online is quite simple as you just enter the coverages you want into the form. After you submit the form the quote system makes automated requests for reports for credit and driving violations and gives you a price quote based on the data you entered. Getting online rate quotes for Subaru Outback insurance in Boston helps simplify price comparisons, and it's also necessary to do this if you want to find the best rate possible.

To save time and compare pricing, compare rates from the companies below. If you currently have coverage, we recommend you duplicate coverages and limits exactly as shown on your declarations page. This ensures you will have rate quotes for similar insurance coverage.

The auto insurance companies shown below provide comparison quotes in Massachusetts. If your goal is to find the best cheap auto insurance in Boston, MA, we recommend you compare several of them to get a more complete price comparison.

Subaru Outback insurance coverage information

The coverage table below highlights detailed analysis of policy rates for Subaru Outback models. Having a good understanding how auto insurance premiums are formulated helps drivers make informed decisions.

Subaru Outback Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $264 $354 $452 $26 $136 $1,232 $103
Outback 2.5I Premium $264 $432 $452 $26 $136 $1,310 $109
Outback 2.5I Limited $264 $432 $452 $26 $136 $1,310 $109
Outback 3.6R $264 $432 $452 $26 $136 $1,310 $109
Outback 3.6R Premium $264 $432 $452 $26 $136 $1,310 $109
Outback 3.6R Limited $294 $508 $452 $26 $136 $1,416 $118
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices significantly.

How high should deductibles be?

One of the hardest decisions when shopping for car insurance is how high should your deductibles be. The comparisons below lay out the rate fluctuation between low and high comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Subaru Outback insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $292 $358 $334 $20 $100 $1,129 $94
Outback 2.5I Premium $292 $436 $334 $20 $100 $1,207 $101
Outback 2.5I Limited $292 $436 $334 $20 $100 $1,207 $101
Outback 3.6R $292 $436 $334 $20 $100 $1,207 $101
Outback 3.6R Premium $292 $436 $334 $20 $100 $1,207 $101
Outback 3.6R Limited $324 $512 $334 $20 $100 $1,315 $110
Get Your Own Custom Quote Go
Subaru Outback insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $180 $224 $334 $20 $100 $858 $72
Outback 2.5I Premium $180 $274 $334 $20 $100 $908 $76
Outback 2.5I Limited $180 $274 $334 $20 $100 $908 $76
Outback 3.6R $180 $274 $334 $20 $100 $908 $76
Outback 3.6R Premium $180 $274 $334 $20 $100 $908 $76
Outback 3.6R Limited $200 $322 $334 $20 $100 $976 $81
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in garaging location in Boston which can modify coverage rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you about $25 more each month or $300 annually than opting for the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 30 months between claim filings, you would more than likely save some money by going with a higher deductible.

The example below demonstrates how deductible levels and can influence Subaru Outback insurance premiums for different categories of driver ages. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Subaru Outback insurance rates: Men versus women

The information below compares Subaru Outback annual premium costs for male and female drivers. The data is based on no violations or claims, full coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Liability only or full coverage

The example below shows the difference between Subaru Outback insurance costs with and without full coverage. The premiums assume no claims or driving citations, $100 deductibles, drivers are single, and no discounts are taken into consideration.

When to stop buying full coverage

There is no set guideline to exclude comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Subaru Outback book value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying the physical damage deductible. If premiums are more than $300 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where removing full coverage is not a good idea. If you haven't satisfied your loan, you have to carry 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 in the event your current vehicle is totaled, you should keep full coverage on your policy.

Three good reasons to insure your vehicle

Despite the fact that auto insurance is not cheap in Boston, auto insurance may be required for several reasons.

  • Most states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability protection in order to drive the car legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a loan on your Outback, it's guaranteed your bank will force you to have comprehensive coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Subaru at a more expensive rate and make you pay for the much more expensive policy.
  • Insurance safeguards not only your vehicle but also your assets. Insurance will pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage also covers legal expenses if you cause an accident and are sued. If your Subaru gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of buying auto insurance are definitely more than the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $820 a year so compare quotes from several companies at every policy renewal to ensure rates are competitive.

Informed Decisions Result in Lower Insurance Costs

Many different elements are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving record, but some are more obscure such as whether you are married or how safe your car is. An important part of buying insurance is that you know the factors that help calculate the level of your policy premiums. When you know what positively or negatively influences your rates, this allows you to make educated decisions that could result in big savings.

Safer cars save money - Safer cars can get you lower premiums. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts which can mean better rates for you. If your Subaru Outback has ratings of a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Increase coverage deductibles to save - Physical damage deductibles tell how much you are willing to pay out-of-pocket before your insurance pays a claim. Insurance for physical damage, also called 'full coverage', covers damage that occurs to your car. Some instances where coverage would apply are collision with another vehicle, damage from fire, and damage caused by road hazards. The more expense the insured is willing to pay, the less your company will charge you for insurance.

Discounts for alarms and GPS tracking - Choosing a vehicle with an alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.

Extra coverages are wasting money - There are a ton of add-on coverages that can add up but may not be useful. Coverages like vanishing deductibles, better glass coverage, and membership fees may not be needed and are just wasting money. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so remove them from your policy.

Responsible drivers pay better premiums - Having a clean driving record has a big impact on rates. Only having one driving citation can increase rates by as much as thirty percent. Attentive drivers have lower premiums than their less careful counterparts. Drivers unfortunate enough to have license-revoking violations like hit and run, DWI or reckless driving convictions are required to prove financial responsibility with their state in order to drive a vehicle legally.

The diagram below shows how speeding tickets and accidents can influence Subaru Outback insurance rates for each different age category. The rate quotes are based on a married male driver, full coverage, $100 deductibles, and no other discounts are factored in.

Mature drivers pay less - Teen drivers in Massachusetts have been known to be careless and easily distracted when driving and because of this, their insurance rates are much higher. More mature drivers are viewed as being more responsible, tend to file fewer claims, and tend to be get fewer driving tickets.

The following data uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

No policy gaps is important - Going without insurance is a guaranteed way to increase your rates. Not only will you pay higher rates, getting caught without coverage might get you fines and jail time.

Insurance losses for a Subaru Outback - Car insurance companies use data from past claims to calculate a price that offsets possible losses. Models that the data determines to have higher frequency or amount of claims will cost more for coverage. The next table shows the historical loss data for Subaru Outback vehicles.

For each coverage type, the claim amount for all vehicles compiled together is considered to be 100. Values that are 100 or less indicate better than average losses, while numbers above 100 point to more claims or a tendency for claims to be larger.

Subaru Outback Insurance Loss Statistics
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

Statistics from IIHS.org for 2013-2015 Model Years

Get lower-cost rates by taking advantage of discounts

Auto insurance companies do not list all their discounts very clearly, so we researched some of the more common and the harder-to-find discounts that you may qualify for.Insurance discounts

  • Student Driver Training - Cut your cost by having your teen driver complete a driver education course as it can save substantially.
  • Responsible Driver Discount - Drivers who don't get into accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
  • Discount for Home Ownership - Simply owning a home can get you a discount because of the fact that having a home demonstrates responsibility.
  • Professional Organizations - Being in certain professional organizations is a good way to get lower rates on insurance.
  • Discounts for Government Workers - Employees or retirees of the government can save as much as 8% with certain companies.
  • Seat Belts Save - Drivers who always wear seat belts and also require passengers to buckle their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Early Renewal Discounts - A few insurance companies allow discounts for switching to them early. It can save you around 10%.
  • Life Insurance - Larger companies have a discounted premium rate on car insurance if you buy a life policy as well.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

The illustration below illustrates the comparison of Subaru Outback auto insurance costs with and without discounts applied. The rate quotes are based on a male driver, no accidents, no driving violations, Massachusetts state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, claim-free, multi-policy, and multi-car discounts applied.

If you would like to see a list of insurers who offer discounts in Massachusetts, click this link.

Special considerations

Always keep in mind that when comparing coverage online or from an agent, there really isn't a cookie cutter policy. Your needs are unique to you so your insurance needs to address that.Drive safe and save Here are some questions about coverages that could help you determine if you will benefit from professional help.

  • Do I need motorclub coverage?
  • What is an adequate liability insurance limit?
  • Do I need special endorsements for business use of my vehicle?
  • Are rock-chip repairs free?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will I lose any money if I cancel my policy before it expires?
  • How much coverage applies to personal belongings?
  • Can my babysitter drive my car?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

When should I get advice from an insurance agent?

A lot of people still like to get professional advice from a licensed agent. Good agents are trained risk managers and help submit paperwork. A nice benefit of comparing insurance prices online is the fact that drivers can get cheap insurance rates and still choose a local agent.

Find insurance agent in BostonUpon completion of this quick form, your information is transmitted to participating agents in Boston who can give free rate quotes for your business. There is no need to drive around because prices are sent immediately to you. If you have a need to get a rate quote for a specific company, you can always search and find their rate quote page to submit a rate quote request.

Picking the best insurer requires you to look at more than just a low price. Agents should be asked these questions:

  • Will they make sure you get an adequate claim settlement?
  • Are there any extra charges for paying monthly?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How many years of experience in personal auto insurance do they have?
  • Are they in the agency full-time?

Massachusetts auto insurance company ratings

Insuring your vehicle with the right car insurance company can be difficult considering how many companies there are in Boston. The company ratings shown below could help you decide which insurers you want to consider when shopping your coverage around.

Best Auto Insurance Companies in Boston
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Mercury Insurance 87 96 100 87% A+ 93.4
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Cheaper auto insurance is a realistic goal

You just read some good ideas how to save on Subaru Outback insurance in Boston. The key thing to remember is the more you quote Boston auto insurance, the higher your chance of finding low cost Boston auto insurance quotes. Consumers may even find the lowest car insurance rates are with a company that doesn't do a lot of advertising. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

When buying insurance coverage, it's not a good idea to skimp on coverage in order to save money. There are too many instances where an accident victim reduced liability coverage limits to discover at claim time that the savings was not a smart move. The proper strategy is to buy enough coverage for the lowest cost while still protecting your assets.

Steps to finding cheaper Subaru Outback insurance in Boston

If you want to save money, the best way to get low-cost Subaru Outback insurance is to regularly compare quotes from insurers who can sell car insurance in Boston. Rates can be compared by following these steps.

First, spend a few minutes and learn about how companies price auto insurance and the measures you can control to prevent expensive coverage. Many rating criteria that cause rate increases such as speeding tickets, careless driving and a negative credit history can be remedied by making lifestyle changes or driving safer.

Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and State Farm, while independent agents can give you price quotes from multiple companies.

Third, compare the new quotes to your existing coverage to see if you can save by switching companies. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company of your intent to cancel your current coverage and submit the completed application along with a down payment for your new policy. Be sure to safely store the certificate verifying proof of insurance with the vehicle registration.

The most important part of shopping around is to use the same amount of coverage on each quote request and to quote with as many auto insurance providers as possible. This enables a fair rate comparison and the most accurate and complete price analysis.

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