Cheap Insurance Quotes for a Subaru Outback in Louisiana

Your odds of finding affordable auto insurance for a Subaru Outback in Louisiana is contingent on a complex equation that considers factors such as your date of birth, your address, and if your driving record shows any at-fault accidents. Drivers pay around $1,560 annually to buy insurance for a Subaru Outback, but that price is a valuation that uses rate data for a 30-year-old married male with both comprehensive and collision coverage and $100 policy deductibles.

The problem with using this number is the good chance you are not 30 and possibly not even male, maybe you are single instead of married, or maybe you just want liability only instead of full coverage. Auto insurance is not “one size fits all”, so the way we recommend to find the cheapest insurance price for your Subaru is to just take the time to do a thorough rate comparison.

Compare Rates Now

Vehicle trim level will be a contributing factor to the insurance rate, so the rate you will pay to insure a Outback 2.5I will cost $306 less than the insurance cost for the higher-priced Outback 3.6R Limited version, as shown in the table below.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in Louisiana location which can affect insurance rates substantially.

Figuring out which company offers the most affordable insurance rates for a Subaru Outback calls for a bit more work in order to find the most economical policy.

Each insurance company has their own unique process for determining rates, so let’s take a look at the most budget-friendly insurance companies in Louisiana. It’s important to understand that Louisiana insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. Simply having another birthday, buying a new vehicle, or having an at-fault accident may prompt premium changes that can make some companies more affordable than others.

Find the Cheapest Car Insurance for Your Subaru

Click to Compare Rates Now

USAA may offer some of the cheapest car insurance rates in Louisiana at around $1,642 per year. MetLife, GEICO, Progressive, and Safeway also qualify as some of the most economical Louisiana car insurance companies.

As shown in the rates above, if you are a customer of GEICO and switched to USAA, you may see yearly savings of in the neighborhood of $245. Drivers with Progressive may save as much as $304 a year, and Safeway insureds might cut rates by $578 a year.

Understand that those rates are averages for all drivers and vehicles in Louisiana and do not factor in a specific rate value for a Subaru Outback. So the car insurance company that can offer you the best rate may not even be featured in the list above. That affirms the importance of why you need to get quotes using your own driver information and specific vehicle type.

Discounts on Louisiana insurance rates

Auto insurance companies that offer cheap insurance for a Subaru Outback in Louisiana may also provide special discounts that can reduce rates by 35% or more if you qualify. Large insurance companies and a summarized list of policyholder discounts are detailed below.

The diagram below illustrates the comparison of auto insurance rates with and without policy discounts. The rate quotes are based on a male driver, no claims, a clean driving record, Louisiana state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, defensive driving course, passive restraint, vehicle safety, claim-free, and multiple policy discounts applied. When taking advantage of discounts, the the average yearly reduction on insurance for a Subaru Outback is % or $.

Impact of speeding/accidents on insurance rates

The ideal way to snag the cheapest insurance prices in Louisiana for an Outback is to drive cautiously and avoid getting tickets or having accidents. The information below shows how violations and at-fault accidents can affect car insurance rates for each age group. The rates are based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of an auto insurance policy in Louisiana per year with no violations or accidents is $2,792. Add in one speeding ticket and the average cost surges to $3,164, an increase of $373 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for a Subaru Outback jumps again to an average of $4,201. That’s an increase of $1,409, or $117 per month, just for not being a responsible driver!

How to get cheap insurance for a Subaru Outback in Louisiana

Lowering your rates is not difficult, and here are many thrifty solutions that can help you buy more affordable coverage.

• If possible, do not file small claims
• Drivers with good credit ratings often pay less
• Do not get tickets or violations
• Avoid having at-fault accidents
• Raise your deductibles
• Multi-policy discounts save money
• Ensure you have the best deal by shopping around regularly

That final tip is certainly valuable, as was emphasized in the prior article. Prices charged by companies in Louisiana can change in a short period of time, so don’t be unwilling to buy a different policy if you can find a cheaper rate.

Many drivers prefer to stick with one company, but it’s not a good idea if that loyalty results in overpaying a wad of cash every year. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for a Subaru Outback.

Who has the cheapest Subaru Outback insurance quotes?

There are quite a few ways to compare cheaper insurance rates in Louisiana, but the most prevalent are from an independent agent, a captive (or exclusive) agent like Liberty Mutual or State Farm, or direct from companies such as Progressive or Geico. They all follow the same basic process, but insurance buyers need to understand the differences in how they price policies.

Independent insurance agencies can place your business with multiple companies and can get policy pricing from all of them. They have the freedom to get prices from more than one company, which can give you improved odds of finding cheaper coverage. If your agent finds better pricing, your policy is moved internally which makes it simple for you.

A captive, or exclusive, agent is only able to give prices for just one company, two of the more popular are an Allstate or State Farm agent. This type of agents cannot compare rates from other companies, so drivers will want to get other quotes as well.

Insurance from a direct company means you do not use an independent or exclusive agent and instead shop buying direct from a company like Progressive or Geico. Buying direct may be the best choice drivers who do not need advice for risk management and know more than average about what coverage options they need.

Which way works best for finding cheap insurance for a Subaru Outback in Louisiana? The quick answer would be buying from a direct car insurance company results in the cheapest price because there isn’t an agent involved, but that is not always the case. A valid argument could also be made that an independent agency can save the most money due to more options, but again, it’s not a sure thing. In the right set of circumstances, exclusive agents have really good rates that are the cheapest.

Due to the large number of rating factors, the only true way to get the lowest rate is to compare rate quotes from as many companies as possible. If time allows, get rate quotes from all three to have a good selection of rates to choose from. For a list of insurance companies with low rates, click here to view.