Best Cheap Insurance for a Subaru Outback in Kansas

When writing about shopping for auto insurance, the words “affordable” or “cheap” shouldn’t be used anywhere in the article. Nonetheless, cheap car insurance for a Subaru Outback is just plain contradictory. But don’t despair, because we will tell you how you can quote and buy coverage that works with your budget.

Your ability to find the best cheap coverage for a Subaru Outback in Kansas hinges on many rating criteria such as the safety features built into your vehicle, whether or not you are currently insured, and if you had any at-fault accidents in the last few years. Kansas drivers pay around $890 annually to insure an Outback, but that policy rate is an approximation rating a 40-year-old single female driver that purchased full coverage and $500 policy deductibles.

There is a very good chance that you’re not a 40-year-old female, maybe you are married instead of single, or maybe you don’t qualify for the same discounts. Just a slight difference in policy rating variables can generate big changes in the cost of insurance for a Subaru Outback.

Car insurance coverage is unique to each driver, so this is why your best chance at finding cheap insurance rates for your Subaru is to shop your policy around every couple of years. Quotes only take a few minutes and you can get rates from the best companies that insure vehicles in Kansas.

Compare Subaru Outback Insurance Rates

The specific trim level can impact the coverage cost, so the price to insure a Outback 2.5I will be $144 cheaper than the cost to insure the higher-end Outback 3.6R Limited model, as shown in the chart below.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific zip code location which can alter premiums greatly.

Locating cheap car insurance is tough enough, and figuring out which company offers the best auto insurance rates for a Subaru Outback takes additional perseverance. Each insurer has their own process to set premium rates, so we’ll take a look at the auto insurance companies that tend to have lower prices in Kansas.

Best Car Insurance Prices for Your Subaru

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USAA quotes some of the best car insurance rates in Kansas at around $766 a year. The Hartford, Travelers, Auto-Owners, and Allied would also make the list of some of the lowest-priced Kansas auto insurance companies.

In this example, if you are a policyholder with Travelers and switched to USAA, you could earn an annual savings of about $296. Drivers with Auto-Owners may save as much as $329 a year, and Allied customers might lower prices by up to $332 a year.

If you would like to find the best cheap insurance for a Subaru Outback in Kansas, click here to start your custom quote or visit any of the companies below.

Remember that these policy rates are averaged for all drivers and vehicles and do not factor in a specific rating modification for a Subaru Outback. So the insurer that can offer the best rates for your situation may not even be in the above list. That underscores the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

The example below demonstrates how deductible levels can impact annual premium costs when trying to find cheap insurance for a Subaru Outback. The prices are based on a married female driver, full coverage, and no policy discounts are applied.

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The chart above illustrates that a 40-year-old driver could reduce rates by $212 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $326 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old category, can save $530 or even more by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it’s a good idea to have emergency funds available to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Rate difference between full and liability-only coverage

Finding the best cheap insurance for a Subaru Outback in Kansas is important to the majority of drivers, and one of the best ways to lower the cost of insurance is to only pay for liability coverage. The diagram below illustrates the difference between car insurance rates with full phyical damage coverage and with liability coverage only. The information is based on a clean driving record, no claims, $100 deductibles, single status, and no discounts are applied.

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Averaged for all age groups, comp and collision coverage costs an extra $2,177 per year over and above liability only. That amount may make you wonder if full coverage is worth the money. There is no definitive guideline of when to exclude comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s replacement cost is $11,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $10,000 after paying your policy deductible. If you are paying in excess of $1,000 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

Find the best cheap insurance for a Subaru Outback in Kansas

The list below details some money-saving solutions that can help Kansas drivers locate lower-cost coverage.

• Do not get tickets
• Safer vehicles cost less to insure
• Frequent claims will increase rates
• Prevent rate increases by staying accident-free
• Improve your credit score
• Comparison shop frequently

The final tip is especially crucial, as was affirmed in this piece. Car insurance rates fluctuate constantly, so you should be ready to switch companies if a better rate can be found. Having a favorite company is great, but it’s not a great idea if that loyalty results in overpaying thousands of dollars over several years. Now is a great time to compare prices to find cheaper insurance for a Subaru Outback.

Which car insurance company is best?

When comparing auto insurance, the companies with the most market share are State Farm, Allstate, Geico, and Progressive. They all have a distinct set of features and optional coverages that may steer you one way or another. The data below compares some of the ratings and options offered by each one.

Cheap Subaru Outback insurance quotes

You have many ways to compare cheaper auto insurance rates in Kansas, but the most prevalent are through an exclusive insurance agency like State Farm or Allstate, an independent agent, or from a direct company like Geico. All three ways are similar, but it’s important to point out the distinctions in how they give price quotes.

Independent insurance agencies can place your business with multiple companies and can quote your policy with all of them. Agents of this type have the ability to give you more rates, which can help you get a better comparison. If your premiums go up, they can switch companies in-house without you having to go to a different agency.

An exlusive, or captive, agency is restricted to quoting rates for one insurance company, examples being a Farmers or Allstate agent. These agents are unable to quote rates from more than one company, so if rates are high, they cannot give you alternative choices.

Buying auto insurance direct means you skip a local agent and instead buy from a direct company like Esurance or Geico. Shopping for auto insurance direct may be a decent choice consumers who do not need high levels of coverage and have an above average understanding of what auto insurance covers and what it doesn’t.

When shopping for auto insurance, which way works best to buy the best cheap insurance for a Subaru Outback in Kansas? It would be simple to say buying direct results in the best prices because there is no agent involved, but that generally is not the case. An argument could also be made that an independent agent saves the most money due to increased selection, but again, that’s not accurate. In some circumstances, the exclusive agents may have very competitive prices that independents and direct companies can’t touch.

Because there are so many factors that make up auto insurance rates, really the best method to ensure you are not overpaying for auto insurance is to compare rate quotes from as many companies as possible. Make the effort to get quotes from all three types to have enough rates to compare. For a list of companies offering online discounts in Kansas, click here to view.