Cheapest Insurance for a Subaru Outback in Iowa

When we talk about car insurance, the word cheap really shouldn’t be used as a descriptor for car insurance rates. Be that as it may, cheap auto insurance for a Subaru Outback is almost non-existent. Don’t let that discourage you, because we are going to tell you how you can get coverage that is more affordable.

The chances that you’ll find cheap car insurance for a Subaru Outback in Iowa depends on a lot of factors such as how far you commute, the condition of your credit, and if you have a history of accidents. Drivers on average will pay $950 every 12 months to buy Subaru Outback insurance, but that policy rate is an approximation using rate data for a 30-year-old single male that purchased both comprehensive and collision coverage and $100 policy deductibles.

But there is a high probability that you are not exactly 30 years old and possibly not even male, you might be married instead of single, and maybe you have sub-par credit that needs to be factored in. Even a minor change in the factors used to determine rates can cause significant differences in the cost of a policy.

Auto insurance prices are based on the driver profile your best chance at finding the cheapest coverage for your Subaru is to compare as many rates as possible.

Compare Subaru Outback Insurance Rates

Vehicle trim level will influence the cost of coverage, so the rate you will pay to insure a Outback 2.5I will be $170 lower than the insurance cost for the higher-priced Outback 3.6R Limited version, as shown by the rates below.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Iowa minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price information does not factor in specific zip code location which can affect coverage prices considerably.

Buying low-cost auto insurance is not always easy, and deciding which company has the cheapest auto insurance rates for a Subaru Outback requires a little more work. Each insurer has a unique formula for filing rates in each state, so first let’s look at the rankings for the auto insurance companies that tend to have lower prices in Iowa.

It’s important to understand that Iowa auto insurance rates are based on many factors which can significantly increase or decrease the price you have to pay for coverage. Simply having another birthday, moving across town, or having an accident can trigger price changes that may make certain companies higher-priced than the competition.

Find the Cheapest Auto Insurance for Your Subaru

Compare Rates Now

USAA generally has some of the most affordable car insurance rates in Iowa at around $669 each year. Partners Mutual, Allied, Western National, and Hastings Mutual also rank well as some of the best Iowa auto insurance companies.

As shown above, if you buy coverage from Western National and switched to USAA, you could realize annual savings of upwards of $140. Policyholders with Hastings Mutual may save as much as $211 a year, and State Farm policyholders might cut rates by $258 a year.

It’s important to note that these premiums are averages across all types of insureds and vehicles and are not factoring in a specific rate value for a Subaru Outback. So the insurer that has the cheapest price for you may not even be included in the list of companies shown earlier. That underscores the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.

Liability rates compared to full coverage

Finding the cheapest insurance for a Subaru Outback in Iowa is probably important to the majority of drivers, and one way to lower the cost of insurance is to only buy liability insurance. The example below compares yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Iowa. The premiums are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2699,893],[‘Age 30’, 1429,493],[‘Age 40’, 1405,457],[‘Age 50’, 1275,429],[‘Age 60’, 1233,421],[‘Age 70’, 1493,561]]);var options = {title: ‘Comparison of Rates for Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback in Iowa’,minValue: 0,format: ‘$###,###’},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);}

Averaged for all age groups, physical damage coverage on your policy costs $1,589 per year more than just buying liability only. A very common question is if physical damage coverage is worth the money. There is no set rule of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s say your vehicle’s replacement cost is $5,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,500 after paying the physical damage deductible. If it’s costing you more than $450 a year for full coverage, then it may be the right time to buy liability only.

There are some circumstances where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Discounts on the cheapest insurance for a Subaru Outback in Iowa

Insurance providers that provide coverage for a Subaru Outback may provide premium discounts that can lower rates by 25% or more if you are eligible for them. Popular auto insurance companies and the discounts they provide are detailed below.

• Travelers offers premium reductions for early quote, new car, continuous insurance, hybrid/electric vehicle, and multi-policy.
• 21st Century discounts include 55 and older, automatic seat belts, driver training, air bags, good student, and homeowners.
• State Farm includes discounts for passive restraint, multiple autos, good student, Steer Clear safe driver discount, safe vehicle, and student away at school.
• GEICO policyholders can earn discounts including multi-policy, multi-vehicle, five-year accident-free, defensive driver, driver training, air bags, and emergency military deployment.
• SAFECO may include discounts for teen safe driver, homeowner, teen safety rewards, safe driver, anti-theft, drive less, and bundle discounts.
• AAA may have discounts that include multi-car, good driver, multi-policy, AAA membership discount, anti-theft, and education and occupation.

The example below compares insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no claims or driving violations, Iowa state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, accident-free, multiple vehicle, safe-driver, claim-free, and defensive driving course discounts applied. When taking advantage of discounts, the the amount saved on auto insurance for a Subaru Outback is 27% or $452.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2411,1739],[‘Age 30’, 1687,1225],[‘Age 40’, 1559,1137],[‘Age 50’, 1367,995],[‘Age 60’, 1323,961],[‘Age 70’, 1529,1107]]);var options = {title: ‘Comparison of Insurance Rates for a Subaru Outback’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback in Iowa’,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(‘qcibdisc’));chart.draw(data, options);}

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

The list below details many thrifty suggestions that can help you quote cheap auto insurance.

• Safe vehicles generally have lower rates
• Avoid having at-fault accidents
• Multi-policy discounts save money
• Try to remain claim-free
• Save money by obeying traffic laws and keeping a clean driving record
• Compare rates regularly to ensure the best deal

That last idea is remarkably crucial, as we stressed in this piece. Insurance rates can change significantly in a year, so you should be ready to buy a policy from a new company if a more affordable rate is found.

Having a favorite company is great, but it’s not a good idea if that faithfulness ends up costing you money that could be going to better use. Spend a few minutes and compare rates to find cheaper insurance for a Subaru Outback.

Which major car insurance company is best?

If you want reliable insurance for an Outback in Iowa, four good companies to start with are State Farm, Allstate, Progressive, and Geico. Combined they have over 45% of all car insurance policies written. They all have different options that may influence your buying decision. The table below compares ratings for price, service, and claims, in additional to some of the optional coverages shoppers can find with each company.

Cheap Subaru Outback insurance quotes

Drivers have a lot of ways to find cheaper auto insurance in Iowa, but the most common ways are through an exclusive insurance agency such as Allstate or State Farm, a non-exclusive or independent agent, or direct from companies such as Geico or Progressive. They all follow the same basic process, but it’s good to know the differences in how they function.

Independent agencies work for many companies and can compare coverage rates with every one. Agents of this type are able to give you more rate choices, which may provide you with a better chance of finding cheaper coverage. If they quote lower rates, your policy can be easily switched to a new company without having to get a different agent.

Exclusive agents are only able to quote rates with just one company such as a Farmers or Allstate agent. They generally cannot give you multiple price quotes, so always compare other rates.

The last way is buying direct, which means you forego either of the other two types of agents and instead buy buying direct from a company like Esurance or Geico. Shopping direct may be the best choice drivers who do not need advice for asset protection and know what specific coverages and deductibles they need.

Which way works best for finding the cheapest insurance for a Subaru Outback in Iowa? Most people would assume that buying from a direct car insurance company results in the cheapest rates because you bypass the agent, but unfortunately, that is not the case. A valid argument could also be made that buying auto insurance from an independent agent guarantees the best prices since they have access to many companies, but that is not necessarily true either. In some circumstances, the exclusive agents may have prices that are impossible to beat.

Since auto insurance prices vary so much, really the only way to make sure you’re not overpaying for auto insurance is to do a thorough rate comparison. It’s recommended that drivers get price quotes from independent, exclusive, and direct to have the best rate selection. For a list of companies offering online discounts in Iowa, click here to view.