Best Insurance for a Subaru Outback in Chula Vista

Insurance for Subaru OutbackThe recommended way to find better pricing on Subaru Outback insurance in Chula Vista is to compare prices annually from providers who provide car insurance in California. Prices can be compared by completing these steps.

  1. Gain an understanding of the different coverages in a policy and the modifications you can make to prevent rate increases. Many things that cause rate increases such as distracted driving and poor credit can be rectified by making minor changes in your lifestyle. This article gives more information to get low prices and get bigger discounts that may have been overlooked.
  2. Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO and State Farm, while independent agencies can provide rate quotes for a wide range of insurance providers.
  3. Compare the price quotes to your current policy to see if a cheaper rate is available. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
  4. Tell your current agent or company of your decision to cancel your current policy and submit a down payment along with a completed application to your new agent or company. As soon as you receive it, place the new certificate verifying proof of insurance in an accessible location in your vehicle.

An essential thing to point out is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every quote and and to compare every insurance company. Doing this guarantees a fair rate comparison and a good representation of prices.

Amazingly, a large majority of car insurance policyholders in California have stayed with the same insurance company for at least four years, and 38% of drivers have never quoted car insurance rates at all. With the average car insurance premium being $1,847, U.S. drivers could save roughly 46.5% every year just by comparing rates, but most tend to underestimate the benefits if they switched to a more affordable policy.

Locating the best insurance company for you in Chula Vista is really not that difficult. If you have insurance now, you will most likely be able to shop for the lowest rates using the concepts you’re about to learn. Nevertheless, California vehicle owners need to learn the methods companies use to determine premium rates and apply this information to your search.

Rates and other information

The data table displayed next outlines estimates of coverage prices for Subaru Outback models. Knowing how insurance prices are figured can be useful when making decisions on the best policy to buy.

Subaru Outback Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $264 $366 $596 $36 $178 $1,440 $120
Outback 2.5I Premium $264 $446 $596 $36 $178 $1,520 $127
Outback 2.5I Limited $264 $446 $596 $36 $178 $1,520 $127
Outback 3.6R $264 $446 $596 $36 $178 $1,520 $127
Outback 3.6R Premium $264 $446 $596 $36 $178 $1,520 $127
Outback 3.6R Limited $294 $524 $596 $36 $178 $1,628 $136
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rates do not factor in vehicle location which can modify insurance rates greatly.

Physical damage deductibles: Should you raise them?

When shopping for car insurance, a common question is what deductibles to buy. The premium rates below illustrate the rate difference when you select higher and lower physical damage coverage deductibles. The first price estimate table uses a $250 deductible and the second pricing table uses a $500 deductible.

Subaru Outback insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $386 $472 $442 $26 $132 $1,483 $124
Outback 2.5I Premium $386 $576 $442 $26 $132 $1,587 $132
Outback 2.5I Limited $386 $576 $442 $26 $132 $1,587 $132
Outback 3.6R $386 $576 $442 $26 $132 $1,587 $132
Outback 3.6R Premium $386 $576 $442 $26 $132 $1,587 $132
Outback 3.6R Limited $430 $678 $442 $26 $132 $1,733 $144
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Subaru Outback insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $314 $382 $442 $26 $132 $1,296 $108
Outback 2.5I Premium $314 $464 $442 $26 $132 $1,378 $115
Outback 2.5I Limited $314 $464 $442 $26 $132 $1,378 $115
Outback 3.6R $314 $464 $442 $26 $132 $1,378 $115
Outback 3.6R Premium $314 $464 $442 $26 $132 $1,378 $115
Outback 3.6R Limited $348 $546 $442 $26 $132 $1,494 $125
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in garaging location in Chula Vista which can decrease or increase insurance rates significantly.

Based on the above data, using a $250 deductible costs roughly $17 more each month or $204 for a full year averaged for all Outback models than quoting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at least 15 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Males versus Females

The information below visualizes the comparison of Subaru Outback insurance rates for male and female drivers. The costs are based on no accidents or driving violations, comp and collision included, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Full coverage rates vs. liability-only

The diagram below shows the comparison of Subaru Outback annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.

When to drop comprehensive and collision

There is no set rule to stop buying physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s pretend your Subaru Outback book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying your deductible. If you are paying in excess of $600 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some situations where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to maintain 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 if your current one is damaged, you should not drop full coverage.

What Determines Subaru Outback Insurance Rates?

When buying insurance it’s important to understand the rating factors that play a part in calculating insurance rates. If you understand what controls the rates you pay, this allows you to make good choices that may result in lower rates.

The itemized list below are some of the major factors insurance companies consider when setting rates.

Ratings for California auto insurance companies

Choosing a highly-rated insurance provider can be rather challenging considering how many choices you have in California. The company information below can help you pick which auto insurance companies you want to consider to insure your vehicles.

Top Auto Insurance Companies in Chula Vista
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Be persistent to save money

In this article, we covered a lot of ways to save on Subaru Outback insurance in Chula Vista. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even discover the lowest prices are with a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

The cheapest Subaru Outback insurance in Chula Vista is attainable both online as well as from independent agents in Chula Vista, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers may not have online rate quotes and many times these smaller providers only sell through independent agencies.

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