Best Insurance for a Subaru Outback in Chandler

If you want to find the absolute lowest rates, then the best way to find affordable quotes for Subaru Outback insurance in Chandler is to make a habit of regularly comparing prices from different companies who provide auto insurance in Arizona.

• Step 1: Get a basic knowledge of auto insurance and the things you can control to prevent expensive coverage. Many policy risk factors that cause high rates such as high-risk driving behaviors and a less-than-favorable credit rating can be eliminated by being financially responsible and driving safely.
• Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agents can provide price quotes from multiple companies.
• Step 3: Compare the new rate quotes to your existing policy and see if you can save money. If you can save money and switch companies, ensure coverage does not lapse between policies.

One tip to remember is that you’ll want to compare identical limits and deductibles on each quote and and to get price estimates from all possible companies. Doing this ensures a fair rate comparison and a better comparison of the market.

Everyone knows that insurance companies want to keep you from comparing rates. Insureds who perform rate comparisons will most likely switch companies because of the good chance of finding a cheaper policy. A recent survey found that drivers who made a habit of comparing rates saved an average of $70 a month as compared to drivers who never shopped around for better prices.

If finding the lowest rates on Subaru Outback insurance is why you’re here, then having some insight into how to find and compare insurance can help make the process easier and more efficient.

Finding the cheapest auto insurance coverage in Chandler is much easier if you know where to start. If you are already insured, you should be able to find better prices using this information. You just need to use the least time-consuming way to compare prices online.

All the larger car insurance companies make it easy to get prices for coverage online. Comparing Subaru Outback insurance rates online is possible for anyone as you just type in the amount of coverage you want into a form. Once entered, their system collects reports for credit and driving violations and generates a price based on many factors.

This makes it simple to compare prices and it’s very important to get many rate quotes if you are searching for the most affordable premium possible.

To find out what other companies charge, take a look at the companies shown below. If you currently have coverage, we recommend you complete the form with the coverages exactly as they are listed on your policy. This helps ensure you will be getting comparison quotes using the same coverage and limits.

The companies shown below offer price quotes in Arizona. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.

Subaru Outback insurance coverage information

The premium information displayed next highlights estimates of insurance premium costs for Subaru Outback models. Understanding more about how policy premiums are established is important for drivers to make smart choices when buying a policy.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific Chandler garaging location which can affect rates greatly.

Physical damage deductibles: Should you raise them?

One common question asked by Chandler drivers is how high should the deductibles for physical damage be. The rates below may help you to understand the differences in price between low and high policy deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can modify price quotes greatly.

Based on the above data, using a $100 deductible costs roughly $22 more each month or $264 a year across all Subaru Outback models than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 18 months between claims, you would probably come out ahead if you choose a higher deductible.

Poor driving habits will raise your car insurance rates

The illustration below shows how violations and at-fault claims can affect Subaru Outback insurance costs for different categories of driver ages. Data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Subaru Outback full coverage rates compared to liability only

The information below illustrates the comparison of Subaru Outback premium costs with and without physical damage coverage. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied.

When to stop buying physical damage coverage

There is no set rule that works best for making the decision to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s pretend your Subaru Outback claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after paying your deductible. If premiums are more than $800 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

You may qualify for discounts for Subaru Outback insurance in Chandler

Companies that sell car insurance don’t always advertise every discount they offer very well, so the following list contains some of the more common and the harder-to-find ways to save on car insurance.

• Professional Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on car insurance.
• Active Military Service – Having a family member in the military may lower your premium rates slightly.
• Fewer Miles Equal More Savings – Driving less could earn lower prices due to less chance of an accident.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little on the premium charged for medical payments and/or PIP.
• New Vehicle Savings – Buying insurance on a new vehicle can save you some money because newer models have to meet stringent safety requirements.
• Distant Student Discount – Youth drivers living away from Chandler attending college and leave their car at home could get you a discount.
• Life Insurance – Companies who offer life insurance give lower premium rates if you buy some life insurance too.
• Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
• Pay Now and Pay Less – By making one initial payment rather than spreading payments over time you may have a lower total premium amount.
• Data Collection Discounts – Drivers who elect to allow their car insurance company to monitor their driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if their driving habits are good.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

The information below shows the comparison of Subaru Outback insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, safe-driver, marriage, and multi-car discounts applied.

Insurance companies that may offer most of the discounts above possibly include:

• American Family
• State Farm
• 21st Century
• Travelers
• GEICO

When getting free Chandler car insurance quotes, it’s a good idea to each company or agent the best way to save money. A few discounts may not be offered in your area.

Buying the right vehicle insurance in Arizona is an important decision

Even though it can be expensive, insuring your vehicle serves an important purpose.

• Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Outback has a lienholder, most lenders will have a requirement that you buy insurance to guarantee loan repayment. If you let the policy lapse, the lender will be forced to insure your Subaru at an extremely high rate and force you to reimburse them the higher premium.
• Insurance safeguards your Subaru Outback and your assets. It will also pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your auto insurance policy will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance definitely exceed the price paid, especially when you need to use it. But the average driver in Arizona overpays more than $850 per year so smart consumers compare quotes at every renewal to ensure rates are competitive.

Auto insurance is unique, just like you

When it comes to buying a policy for your vehicles, there really isn’t a one-size-fits-all type of policy. Everyone’s needs are different.

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

• Does my Subaru Outback need full coverage?
• Do I need to file an SR-22 for a DUI in Arizona?
• Do I need PIP coverage since I have good health insurance?
• Do I have newly-acquired coverage?
• Will my rates increase for filing one claim?
• Do I need more liability coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Compare prices but buy from a local Chandler insurance agency

A small number of people just want to talk to an insurance agent and doing that can be a smart decision Experienced insurance agents are highly skilled in risk management and help file insurance claims. The biggest benefit of comparing rate quotes online is the fact that you can find the best rates and still choose a local agent.

Once you complete this simple form, your insurance coverage information is submitted to participating agents in Chandler who can give free rate quotes for your business. You won’t need to even leave your home since rate quotes are delivered to you instantly. If you want to get a comparison quote from one company in particular, don’t hesitate to find their quoting web page to submit a rate quote request.

Selecting a provider should depend on more than just a cheap price. Here are some questions to ask:

• Does the agent have a valid license to sell insurance in Arizona?
• If you raise deductibles, how much can you save?
• Does the company allow you to choose your own collision repair facility?
• What company holds the largest book of business for them?
• Are they giving you every discount you deserve?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Independent or Exclusive: It’s your choice

If you are wanting to find a good Chandler insurance agent, it helps to know the two different types of agents and how they can service your needs differently. Agents in Chandler may be either independent (non-exclusive) or exclusive. Both write insurance policies, but it’s good to learn the difference between them since it may influence the selection process.

Exclusive Agencies

These type of agents can only quote rates from one company such as Allstate, Farmers Insurance or State Farm. They generally cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies are very knowledgeable on their company’s products and that enables them to sell even at higher rates. Some people will only purchase coverage from exclusives partially due to the prominent brand name rather than having low rates.

Listed below is a list of exclusive insurance agents in Chandler that can give you price quote information.

• Farmers Insurance – Peter Fenton
  287 E Frye Rd #3 – Chandler, AZ 85225 – (480) 351-0629 – View Map
• Jason Earl – State Farm Insurance Agent
  3120 S Gilbert Rd #4 – Chandler, AZ 85286 – (480) 895-2040 – View Map
• Allstate Insurance: Jim Kaup
  565 W Chandler Blvd Ste 218 – Chandler, AZ 85225 – (480) 821-2763 – View Map

More insurance agents

Independent Insurance Agents

Independent agents do not sell for just one brand so they have the ability to put coverage amongst many companies and get you the best rates possible. If they find a lower price, the business is moved internally and you can keep the same agent.

When comparison shopping, you need to contact at a minimum one independent agency to have the most options to choose from. Most also have access to additional companies that you may not be familiar with which may have better rates.

Shown below is a short list of independent insurance agents in Chandler willing to provide rate quotes.

• Citywide Insurance, Inc.
  369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map
• Foothills Insurance Agency
  2490 S Gilbert Rd #105 – Chandler, AZ 85286 – (480) 759-1970 – View Map
• San Marcos Insurance Group
  584 W Chandler Blvd – Chandler, AZ 85225 – (480) 899-6633 – View Map

More insurance agents

Upon receiving good responses for all questions you ask as well as an affordable premium quote, you’ve probably found an insurance agent that can be trusted to provide insurance coverage.