Cheapest Insurance Quotes for a Subaru Outback in Vermont

Your chances of finding cheaper insurance for a Subaru Outback in Vermont depends upon a lot of different factors such as when you were born, your address, and your motor vehicle report. Vermont drivers pay on average $560 annually for Outback insurance, but that rate is a projection using cost data for a 50-year-old married male driver who purchased full coverage including both comprehensive and collision and $500 policy deductibles.

There is a high probability that you are not exactly 50 years old and possibly not even male, maybe you are single instead of married, and maybe your credit level is not the same as what was rated. Even a very minor difference in policy rating data may result in significant differences in the policy cost.

Insurance prices are based on the driver profile the best method for finding cheap insurance prices for your Subaru is to start the habit of comparing rates at least once a year. Quotes only take a few minutes and you will receive price comparisons from top-rated car insurance companies that insure Subaru vehicles in Vermont.

Cheapest Subaru Outback Insurance Rates

Your Subaru’s trim level will most likely have an effect on price, so the price you will pay to insure a Outback 2.5I will be $90 less than the price to insure the higher-priced Outback 3.6R Limited model, as shown in the chart below.

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in your specific Vermont location which can raise or lower price quotes considerably.

Insuring your vehicle with the best company is difficult considering how many companies there are to choose from in Vermont. The company ratings displayed below could help you pick which companies you want to consider when comparing rates. These rankings include large, nationwide insurance companies, so smaller regional companies are not factored into the list.

Liability only or full coverage

Finding the cheapest insurance for a Subaru Outback in Vermont is probably important to most drivers, and one great way to buy cheaper insurance is to not insure for full coverage. The information below illustrates the difference between insurance premiums with full phyical damage coverage and with liability coverage only. The premium estimates are based on no claims or driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.

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If we average the cost for ages 20 through 70, physical damage coverage costs an extra $1,656 per year more than just buying liability only. A very common question is when is the right time to remove full coverage. There is no exact formula of when to exclude physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s book value is $6,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,500 after the deductible is paid. If you are paying over $550 annually to have full coverage, then it may be the right time to buy liability only.

Discounts on Vermont car insurance rates

Insurance providers that offer the cheapest insurance for a Subaru Outback in Vermont may also provide premium discounts that can reduce rates by as much as 35% if you meet the requirements. Larger insurance companies and a partial list of their discounts can be found below.

• Progressive offers discounts for continuous coverage, homeowner, multi-vehicle, online signing, and online quote discount.
• The Hartford has discounts for defensive driver, good student, driver training, bundle, vehicle fuel type, and anti-theft.
• Mercury Insurance offers premium reductions for multi-car, good driver, anti-theft, multi-policy, and good student.
• GEICO policyholders can earn discounts including five-year accident-free, military active duty, seat belt use, anti-lock brakes, driver training, anti-theft, and daytime running lights.
• AAA has savings for multi-car, education and occupation, multi-policy, anti-theft, pay-in-full, AAA membership discount, and good driver.
• State Farm may offer discounts for anti-theft, driver’s education, Drive Safe & Save, good driver, and passive restraint.

The information below illustrates the difference between auto insurance rates with and without discounts applied. Data assumes a male driver, no violations or claims, Vermont state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, defensive driving course, anti-theft, claim-free, passive restraint, and homeowner discounts applied. In this example, the average savings per year on insurance for a Subaru Outback is 28% or $334.

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How to get the cheapest insurance for a Subaru Outback in Vermont

It is possible to find better rates, and here are some of the better penny-pinching suggestions that can help Vermont drivers locate cheaper auto insurance.

• Buy a car with high safety ratings
• Better credit scores save money
• Having at-fault accidents will increase rates
• Bundle home and auto and earn a discount
• Do not insure for full coverage
• Compare rate quotes frequently

The last suggestion is extremely valuable, as we pointed out in this piece. Prices charged by auto insurers in Vermont can change considerably in a year, so you should be ready to change to a new company if you can find a cheaper rate. Having brand loyalty is commendable, but it’s not a great idea if it’s costing you money that could be spent on other things. In just a few minutes you could compare prices and find cheaper car insurance for a Subaru Outback.