Best Cheap Insurance for a Subaru Outback in South Dakota

When writing about auto insurance, the word cheap really shouldn’t be used anywhere in the article to describe car insurance rates. Be that as it may, cheap car insurance for a Subaru Outback is not easy to find. Don’t let that get you down, though, because we can show you some ways you can find coverage that is affordable.

The likelihood of finding affordable insurance for a Subaru Outback in South Dakota relies on a calculation that uses factors like if you have purchased a home, if you have ever had a coverage lapse, and if you have any chargeable driving offenses. South Dakota drivers will pay on average $680 per year for Outback insurance, but that cost is an approximation calculated based on a 40-year-old married female who purchased both comprehensive and collision coverage and $1,000 policy deductibles.

It’s more than likely that you’re not a 40-year-old female, possibly single instead of married, and you need different coverage limits than the sample rates. Auto insurance rates are unique for each driver, so the most reliable way to find affordable rates for your Subaru is to compare as many rates as possible.

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The trim level of your vehicle tends to have a direct effect on the coverage cost, so the price you will be charged to insure a Outback 2.5I model will be $100 less expensive the cost to insure the higher-end Outback 3.6R Limited model, as shown below.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in specific location which can influence rates greatly.

Selecting the best insurance provider is difficult considering how many companies sell coverage in South Dakota. The company information shown next may help you analyze which insurers to look at purchasing coverage from.

These rankings only include the companies with a significant amount of written premium nationwide, so companies that focus mainly on South Dakota business will not be included in the list. To compare prices from the most competitive companies in South Dakota, click here.

The diagram below highlights how deductible selection can change premium costs when getting quotes for cheap insurance for a Subaru Outback. The rates are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

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In the chart above, a 50-year-old driver could lower their car insurance rates by $290 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $438 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could potentially save up to $718 annually just by choosing higher deductibles when buying full coverage. If you do raise deductibles, it is essential to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Find the best cheap insurance for a Subaru Outback in South Dakota

The list below shows many penny-pinching solutions that can help drivers quote the cheapest coverage.

• Good credit can mean cheaper rates
• Do not insure for full coverage
• Ensure your driving record is clean
• Drive attentively and avoid accidents
• Buy safe vehicles
• Higher physical damage deductibles lower rates
• Comparison shop frequently

That last tip is very crucial, as we hit on in the prior article. Coverage rates change a lot, so drivers shouldn’t hesitate to buy from a new company if a lower price can be found.

Having brand loyalty is commendable, but we do not recommend it if that faithfulness ends up costing you several hundred dollars every year. If you have a few minutes, shop around to find cheaper car insurance for a Subaru Outback.

Cheapest Subaru Outback insurance quotes

Thanks to the internet, there are a lot of ways to get affordable auto insurance quotes in South Dakota, but the most popular are from an exlusive agent like Allstate or Liberty Mutual, an independent insurance agent, or buying direct from a company like Progressive or Geico.

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

Independent insurance agents write for multiple companies and can get rate quotes from all of them. These types of agencies are able to get prices from more than one company, which may give you better odds of saving money. If you are not satisfied with one company, your policy can be moved and the insured can keep the same agent.

An exlusive, or captive, agency is only able to quote rates with one insurance company, two of the more popular are an Allstate or State Farm agent. These guys and gals cannot quote prices from more than a single company, so it’s a good idea to get additional price quotes.

Auto insurance from a direct company means you bypass local insurance agents and instead buy from a direct company like Esurance or Progressive. This option can be a good choice for families who have limited assets and understand what specific coverages they need.

Which method is best to buy the best cheap insurance for a Subaru Outback in South Dakota? We’d like to say buying from a direct company results in the best prices since that prevents the need to pay agent commissions, but unfortunately, that is not the case. We could also say that using an independent agent results in the cheapest rates due to having more companies to select from, but again, it’s not necessarily true. For the right applicant, the exclusive agents may have very competitive prices that other companies cannot beat.

Due to the large number of rating factors, the only real way to buy the cheapest coverage is to get as many comparison quotes as possible. It’s recommended that drivers get rate quotes from all three in order to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.