Who Has Cheap Insurance Quotes for a Subaru Outback in Virginia?

The chances of buying the cheapest insurance for a Subaru Outback in Virginia hinges on a very complex rating algorithm that uses multiple factors like when you were born, if you are a frequent claim filer, and if you have tickets or violations. Drivers in Virginia pay around $710 a year to insure their Outback, but that rate is based upon a 50-year-old single male driver that wants comprehensive and collision coverage and $500 physical damage deductibles.

When making auto insurance estimates, the issue arises that you are not exactly 50 years old and possibly not even male, maybe you are married instead of single, or maybe you do not need full coverage. Not everyone needs the same coverages, so the most reliable way to find cheap insurance prices for your Subaru is to get into the habit of shopping around regularly.

Cheapest Subaru Outback Insurance Rates

The specific trim level can impact the coverage cost, so the price you will pay to insure a Outback 2.5I trim level will be $118 cheaper than the cost to insure the high end Outback 3.6R Limited trim level, as shown in the table below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can influence price quotes significantly.

Buying coverage from the right insurer is hard considering how many companies are available to choose from in Virginia. The rank data listed below could help you analyze which car insurance companies you want to consider buying from. The ratings below include companies that write coverage in many states, so companies that focus mainly on Virginia business are not taken into consideration for this list.

Impact of careless driving on Virginia car insurance rates

The easiest way to maintain cheap insurance for a Subaru Outback in Virginia is to pay attention while driving and not have accidents or get tickets. The diagram below demonstrates how citations and at-fault collisions can impact insurance premiums for different categories of driver ages. The data is based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2063,2531,3001],[‘Age 30’, 1419,1893,2359],[‘Age 40’, 1323,1793,2261],[‘Age 50’, 1157,1629,2097],[‘Age 60’, 1121,1589,2057],[‘Age 70’, 1307,1779,2245]]);var options = {title: ‘Impact of Violations and Accidents on Virginia Subaru Outback Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback in Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of auto insurance in Virginia per year with no violations or accidents is $1,398. Get written up for two speeding tickets and the average cost jumps to $1,869, an increase of $471 each year. Then include one accident along with the two speeding tickets and the yearly cost of car insurance for a Subaru Outback jumps again to an average of $2,337. That’s an increase of $938, or $78 per month, just for not driving responsibly!

Does full coverage make sense?

Finding cheap insurance for a Subaru Outback in Virginia is probably important to most vehicle owners, and an effective way to reduce the cost of insurance is to only buy liability insurance. The example below illustrates the difference between annual premium costs when comparing full coverage to liability only. The premiums assume no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3059,921],[‘Age 30’, 1601,509],[‘Age 40’, 1585,471],[‘Age 50’, 1437,441],[‘Age 60’, 1389,435],[‘Age 70’, 1675,579]]);var options = {title: ‘Full Coverage and Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback in Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an average for all age groups, physical damage coverage on your policy costs an additional $1,791 per year more than just insuring for liability. Many of you may wonder when is it safe to stop buying full coverage. There is no specific rule for dropping physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s say your vehicle’s claim settlement value is $8,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,500 after the policy deductible has been paid. If it’s costing you more than $750 annually for your policy with full coverage, then you might consider buying liability only.

Who has the cheapest Subaru Outback insurance quotes?

Thanks to the internet, there are a lot of ways to get affordable car insurance quotes in Virginia, but the most popular ways are using a captive (or exclusive) agency such as State Farm or Liberty Mutual, a non-exclusive or independent agent, or from a direct company like Progressive.

Each way has the same basic steps, but it’s important to point out the distinctions in how they function.

Independent insurance agents can place your business with multiple companies and can compare rates with every one. They can provide you with more rates, which can help you get more bang for your buck. If premiums increase, your policy can be easily switched to a different company and you won’t have to switch agencies.

Exclusive agencies are able to quote prices with a single company, two examples being State Farm and Allstate agents. These guys and gals cannot quote prices from more than just one company, which necessitates shopping around.

Consumers who buy car insurance direct bypass an agent and buy buying direct from a company like Progressive or Esurance. This car insurance option is a good choice for consumers who do not have a need for a risk management assessment and know how car insurance works.

So which of the methods works best to buy cheap insurance for a Subaru Outback in Virginia? Most people would assume that buying direct results in the cheapest rates because there is no agent involved, but that is not always the case. We could also say that going through an independent agent saves the most money since they can quote with many companies, but again, that’s not accurate. In a lot of cases, the exclusive agents may have very competitive prices that are well below what direct and independents offer.

Due to that fact that car insurance uses so many rating variables, the only true way to find out which one is cheapest is to get quotes and compare the rates. The ideal approach is to get rate quotes from independent agents, exclusive agents, and direct companies to get an idea of which is cheapest. For a list of car insurance companies with low rates, click here to view.