Cheapest Insurance Quotes for a Subaru Outback in New York

The chances of buying affordable insurance for a Subaru Outback in New York is contingent on a large number of rating criteria like the safety features of your vehicle, your residence address, and the deductible amount you use. Drivers will pay on average $930 annually to buy Subaru Outback insurance, but that rate is an approximation calculated using a 40-year-old single female who needs full coverage and $250 policy deductibles.

This brings up the issue that more than likely you are not 40 and maybe not even a female, maybe you are married instead of single, or maybe you have a teen driver on your policy that needs to be considered. This demonstrates why the only way to find cheap insurance prices for your Subaru is to make a habit of comparing rates at every renewal.

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The trim level of your vehicle can impact the cost of insurance, so the price you will pay to insure a Outback 2.5I trim level will be $162 lower than the insurance cost for the fancier Outback 3.6R Limited model, as shown by the rates below.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific location which can change premium rates greatly.

Establishing which company has the cheapest car insurance rates for a Subaru Outback involves a little more work in order to find the most economical policy. Every auto insurer used slightly different criteria to set their prices, so let’s examine the car insurance companies with the most affordable rates in New York.

It’s a good idea to know that New York car insurance rates are based on many factors that will increase or decrease the price of your policy. Simply improving your credit, buying a home instead of renting, or getting a ticket for careless driving can trigger changes in premium that can now make some companies cheaper than before.

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USAA generally has some of the cheapest car insurance rates in New York at around $1,152 each year. Erie, Utica National, Travelers, and Progressive also make the cut as some of the cheapest New York insurance companies.

As shown above, if you currently buy coverage from Travelers and switched to Erie, you might achieve an annual savings of about $324. Drivers with Progressive may save as much as $353 a year, and MetLife customers might reduce rates by $383 a year.

It’s important to note that these premiums are averaged across all drivers and vehicles and and are not figured with a specific rate value for a Subaru Outback. So the company that has the cheapest rates for you may not even be featured in the above list. That affirms the importance of why you need to get auto insurance quotes using your own individual information.

How to get discounts on New York insurance

Auto insurance companies that offer the cheapest insurance for a Subaru Outback in New York may have rate discounts that could potentially reduce rates by as much as 30% if you meet specific criteria. A few of the larger companies and some of their more popular discounts include:

• State Farm may include discounts for multiple autos, multiple policy, accident-free, defensive driving training, anti-theft, and passive restraint.
• American Family may have discounts that include air bags, bundled insurance, defensive driver, TimeAway discount, Steer into Savings, mySafetyValet, and multi-vehicle.
• AAA discounts include multi-policy, good student, anti-theft, education and occupation, and pay-in-full.
• GEICO may offer discounts for multi-vehicle, seat belt use, federal employee, daytime running lights, driver training, and membership and employees.
• Mercury Insurance policyholders can earn discounts including age of vehicle, multi-policy, anti-theft, good driver, annual mileage, multi-car, and location of vehicle.
• Farmers Insurance includes discounts for alternative fuel, teen driver, early shopping, good student, and youthful driver.
• Progressive has savings for good student, online quote discount, multi-vehicle, homeowner, and online signing.

The chart below visualizes the comparison of insurance prices with and without policy discounts. The premium estimates are based on a male driver, no claims, a clean driving record, New York state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, accident-free, safe-driver, multiple policy, anti-theft, and claim-free discounts applied. In this example, the the amount saved on car insurance for a Subaru Outback is 28% or $448.

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State Farm, Geico, Allstate, and Progressive: Who is cheapest?

When comparing rates for car insurance, four of the best places to start are State Farm, Geico, Allstate, and Progressive. Between them, they make up almost 50% of all auto insurance written. The data below rates some of the different options that are available from each company.

How to find more affordable car insurance for a Subaru Outback

Here are some of the better penny-pinching solutions that can help New York drivers buy lower-cost coverage.

• Older vehicles may not need full coverage
• Buy safe vehicles
• Do not get tickets or violations
• Avoid having at-fault accidents
• Home or renters coverage can save on auto insurance
• Try to pay small claims out-of-pocket
• Compare prices frequently to find the best deal

The last tip in the list is notably significant, as was stressed in this write-up. Car insurance rates in New York can be adjusted at any time, so drivers shouldn’t be resistant to switch carriers if a cheaper price is available. Many drivers prefer to stick with one company, but it’s not a great idea if it’s costing you money that could be going to better use. If you have a few minutes, compare prices to find cheaper car insurance for a Subaru Outback.