How Much Does Insurance Cost for a Subaru Outback in Alabama?

Our editors always tell us that when writing about auto insurance, the words cheap or affordable shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Despite the oxymoron, cheap auto insurance for a Subaru Outback can be difficult to find. We’ll try to make it up to you, because we are going to show you some ways you can find auto insurance that you are able to afford.

The odds of finding affordable coverage for a Subaru Outback in Alabama depends upon dozens of factors such as your date of birth, the performance level of your vehicle, and the level of deductible you choose. Alabama drivers pay around $900 per year to insure their Outback, but that policy rate is an estimation based on cost data for a 40-year-old single male driver that has full comprehensive and collision coverage and $1,000 physical damage deductibles.

This brings up the issue that more than likely you are not 40 years old and maybe not even male, possibly married instead of single, or possibly you just want cheap liability coverage. Having the smallest difference in rating criteria may result in a big change in the cost of insurance.

There is no one cookie-cutter policy that works for everyone, so the only real way to find cheap auto insurance rates for your Subaru is to put in the effort and compare rates. Comparing quotes is easy and you will be able to see rates from the best auto insurance companies available.

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The trim level of your Subaru tends to have a direct impact on the insurance rate, so the rate you will pay to insure a Outback 2.5I will be $132 less expensive the insurance cost for the more well-appointed Outback 3.6R Limited model, as demonstrated by the prices below.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in specific Alabama garaging location which can change insurance rates noticeably.

Picking the right auto insurance company can be difficult considering how many companies provide coverage in Alabama. The company information displayed below could help you analyze which auto insurance companies you want to consider buying from. These rankings are for the largest companies in the United States, so companies with more of a regional focus are not taken into consideration for these rankings.

Full coverage rates vs. liability-only in Alabama

Finding cheap insurance for a Subaru Outback in Alabama is probably important to most drivers, and one of the quickest ways to save on the cost of insurance is to not buy comprehensive and collision coverage. The diagram below shows the difference between insurance rates with and without full coverage. The rate quotes are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.

As an average, full coverage on your policy costs an additional $2,142 per year more than just insuring for liability. At some point, every insured wonders if you should buy full coverage. There isn’t a steadfast formula that is best for determining when to drop physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s claim settlement value is $9,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,500 after paying the physical damage deductible. If you are paying in excess of $850 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

The benefit of shopping around

Alabama insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Simply having another birthday, buying a new vehicle, or having an accident can trigger rate changes resulting in some rates now being more affordable than others.

Not only may your situation change, but car insurance companies amend pricing as often as every quarter to adjust for heavy claims or excess profits. Heavy losses can cause higher prices, while less frequent claims may result in cheaper Outback insurance rates.

To illustrate this point, the graph below shows the companies that have the cheapest car insurance in Alabama for a 40-year-old female driver with a good driving record, no prior claims, and good credit. If we estimate prices based on her current rating profile, Travelers might quote the cheapest car insurance rates in Alabama at $807 a year. This is $669 less than the average price paid by Alabama drivers of $1,476. Cincinnati Insurance, USAA, GEICO, and Country are also on the list of the cheapest Alabama auto insurance companies.

The next chart shows rates after we give the driver in the first chart a chargeable claim, poor credit, and an imperfect driving record. Since each auto insurer has their own guidelines for filing rates in each state, comparing prices may result in a slightly different list of companies as shown below.

Cincinnati Insurance now has the best price on car insurance in Alabama with Safeway, USAA, Progressive, and State Auto now being in the top five. This example proves why consumers need to shop around with many companies to find the best car insurance quotes for a Subaru Outback. Car insurance prices are calculated by many risk factors and change dramatically, so the most economical company a year ago may now be priced much higher than other options.

Cheapest Subaru Outback insurance quotes

You have many ways to get cheap insurance quotes in Alabama, but the most preferred methods are through an independent insurance agent, an exlusive agent such as Liberty Mutual or State Farm, or direct online or over the phone from a company like Geico or Progressive.

Each way is similar, but they differ slightly in how they give price quotes.

Independent insurance agents have contracts with many companies and can compare coverage rates with all of them. Independent agents do not work for one specific company and can give you a larger rate selection, which can give you more bang for your buck. If your agent finds better pricing, it’s easy for the agent to move the policy without you having to go to a different agency.

An exclusive agent is only able to quote rates with just one company, for example an Auto-Owners or State Farm agent. These agents are not able to provide rates from more than one company, so if finding the cheapest coverage is your goal, you will need to shop around.

If you buy direct, you do not use an independent or exclusive agent and instead shop from a direct company like Geico or Progressive. This insurance option may be good for consumers who do not need complex risk management and have knowledge of how insurance works and possible exclusions.

Out of those three methods, which one works best to find cheap insurance for a Subaru Outback in Alabama? It would be obvious to point out buying from a direct car insurance company results in the cheapest rates because you bypass the middleman, but unfortunately, it’s not that cut and dried. And we’d like to say an independent agent is the best way since they can provide multiple quotes, but that idea is not necessarily true either. And occasionally, the exclusive agents have price quotes that independents and direct companies can’t touch.

Because it’s impossible to say who has the best insurance rates, the one way to ensure you are not overpaying for insurance is to get as many comparison quotes as possible. It’s a good idea to get quotes from all three to get a good idea who is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

How to find budget-friendly insurance for a Subaru Outback

The list below details some of the better penny-pinching suggestions that can help Alabama drivers locate the cheapest coverage.

• Avoid accidents and claims
• Buy a vehicle with excellent safety ratings
• Be a safe driver
• Higher physical damage deductibles lower rates
• Higher credit scores can equal lower rates
• Shop around for cheaper prices often

The last idea is very valuable, as was emphasized in the prior article. Insurance prices in Alabama can be adjusted at any time, so you should be ready to switch to a new company if you find a cheaper price. Having a favorite company is great, but we do not recommend it if your bullheadedness ends up costing you thousands of dollars over several years. Spend a few minutes and compare rates and find cheaper auto insurance for a Subaru Outback.