Subaru Outback Insurance Rates in Philadelphia

  1. Home
  2. >
  3. Popular Vehicles
  4. >
  5. Subaru Outback

Discount Subaru Outback insuranceTrying to find cheaper Subaru Outback insurance in Philadelphia may be slightly frustrating for drivers who have little experience quoting coverage rates online. With literally dozens of insurance companies available, it can easily be a burden to find the lowest price on Subaru Outback insurance.

It's amazing but nearly 70% of customers kept buying from the same company for more than four years, and approximately 40% of consumers have never quoted rates to find cheaper coverage. Consumers in the United States could save roughly 47% a year, but they just don't want to find cheaper insurance by shopping around.

If you have insurance now, you will surely be able to cut your premiums using the techniques presented in this article. The purpose of this post is to instruct you on the best ways to compare prices and also pocket some savings Nevertheless, Pennsylvania consumers can benefit from knowing how big insurance companies compete online and use it to find better rates.

Auto insurance providers offering low-cost price quotes in Pennsylvania

The companies shown below are ready to provide price quotes in Philadelphia, PA. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.

Subaru Outback insurance rate analysis

The premium information shown below covers detailed analysis of prices for Subaru Outback models. Being more informed about how rate quotes are figured can assist in making decisions on the best policy coverages.

Subaru Outback Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $290 $386 $340 $20 $102 $1,138 $95
Outback 2.5I Premium $290 $470 $340 $20 $102 $1,222 $102
Outback 2.5I Limited $290 $470 $340 $20 $102 $1,222 $102
Outback 3.6R $290 $470 $340 $20 $102 $1,222 $102
Outback 3.6R Premium $290 $470 $340 $20 $102 $1,222 $102
Outback 3.6R Limited $324 $554 $340 $20 $102 $1,340 $112
Get Your Own Customized Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in specific location which can increase or decrease auto insurance rates noticeably.

Where to set your deductibles

One frequently asked question is what deductibles to buy. The following tables may help to conceptualize how much more rates are of buying low and high coverage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Subaru Outback insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $320 $420 $330 $20 $98 $1,213 $101
Outback 2.5I Premium $320 $512 $330 $20 $98 $1,305 $109
Outback 2.5I Limited $320 $512 $330 $20 $98 $1,305 $109
Outback 3.6R $320 $512 $330 $20 $98 $1,305 $109
Outback 3.6R Premium $320 $512 $330 $20 $98 $1,305 $109
Outback 3.6R Limited $356 $602 $330 $20 $98 $1,431 $119
Get Your Own Customized Quote Go
Subaru Outback insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $234 $284 $330 $20 $98 $966 $81
Outback 2.5I Premium $234 $346 $330 $20 $98 $1,028 $86
Outback 2.5I Limited $234 $346 $330 $20 $98 $1,028 $86
Outback 3.6R $234 $346 $330 $20 $98 $1,028 $86
Outback 3.6R Premium $234 $346 $330 $20 $98 $1,028 $86
Outback 3.6R Limited $260 $408 $330 $20 $98 $1,116 $93
Get Your Own Customized Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in specific garaging location which can increase or decrease coverage prices noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $23 more each month or $276 for a full year averaged for all Outback models than selecting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 17 months between claims, you would come out ahead by selecting a higher deductible.

Insurance rate increases from tickets or accidents

The diagram below demonstrates how speeding tickets and fender-benders raise Subaru Outback yearly insurance costs for each different age group. Data assumes a married male driver, full coverage, $500 deductibles, and no discounts are applied.

Insurance cost for men versus women in Philadelphia

The example below illustrates the difference between Subaru Outback car insurance costs for male and female drivers. The data assumes no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, single status, and no other discounts are factored in.

Full coverage versus liability-only

The example below illustrates the comparison of Subaru Outback car insurance rates with full physical damage coverage and with liability coverage only. The data assumes no claims or violations, $250 deductibles, drivers are not married, and no other discounts are factored in.

Guidelines for eliminating full coverage

There is no clear-cut formula that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Subaru Outback replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after the deductible is paid. If it's costing in excess of $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where eliminating full coverage is not in your best interest. If you haven't paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Car insurance discounts help lower rates for Subaru Outback insurance in Philadelphia

Insuring your vehicles can cost a lot, but you might find some hidden discounts that many consumers don't even know exist. A few discounts will be applied when you purchase, but some must be specially asked for before they will apply.

  • No Charge for an Accident - Not a discount per se, but a handful of insurance companies allow you one accident before raising your premiums so long as you are claim-free prior to being involved in the accident.
  • Defensive Driver - Participating in a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • ABS Braking Discount - Cars and trucks that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Discount for Life Insurance - If the company offers life insurance, you could get a discount if you purchase life insurance.
  • Student Driver Training - Require your teen driver to participate in a local driver's education class if it's offered in school.
  • Federal Employees - Simply working for the federal government could qualify for a slight premium decrease with some car insurance companies.

It's important to understand that some credits don't apply to the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So even though you would think it's possible to get free car insurance, insurance companies wouldn't stay in business.

The example below illustrates the comparison of Subaru Outback auto insurance costs with and without discounts being applied to the rates. The prices are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.

Large car insurance companies and their possible discounts are outlined below.

  • State Farm has savings for good student, Steer Clear safe driver discount, good driver, driver's education, multiple policy, and student away at school.
  • Esurance policyholders can earn discounts including claim free, multi-car, online shopper, Pac-12 alumni, defensive driver, paid-in-full, and anti-lock brakes.
  • Progressive may have discounts that include online quote discount, good student, multi-vehicle, online signing, and multi-policy.
  • Liberty Mutual offers discounts for multi-policy, exclusive group savings, new vehicle discount, preferred payment discount, newly married, teen driver discount, and new move discount.
  • Auto-Owners Insurance offers premium reductions for student away at school, anti-theft, good student, paperless, paid in full, multiple vehicles, and group or association.
  • GEICO may include discounts for membership and employees, air bags, federal employee, seat belt use, multi-vehicle, daytime running lights, and military active duty.

Before purchasing a policy, check with each insurance company to give you their best rates. Some discounts may not apply in every state. To view insurers that offer the discounts shown above in Pennsylvania, click this link.

When to get professional advice

When quoting and comparing the best car insurance coverage for your personal vehicles, there really isn't a "best" method to buy coverage. Your situation is unique and a cookie cutter policy won't apply. For instance, these questions may help highlight if your situation might need an agent's assistance.

  • Is my Subaru Outback covered for flood damage?
  • Is my son or daughter covered when driving my car?
  • What if a claim settlement is too low?
  • Am I getting all the discounts available?
  • Should I buy more coverage than the required Pennsylvania minimum liability coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What does medical payments coverage do?
  • Do I have ACV or replacement cost coverage?
  • Can I drive in Mexico and have coverage?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance agencies near you

Some people prefer to talk to a local agent and doing that can be a smart decision An additional benefit of getting free rate quotes online is you can get lower rates and still have a local agent. Supporting neighborhood insurance agencies is important particularly in Philadelphia.

Philadelphia insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), the quote information is submitted to participating agents in Philadelphia that give free quotes and help you find cheaper coverage. There is no reason to find an agent on your own as quotes are delivered directly to your email. You can find the lowest rates without a big time investment. In the event you want to get a price quote from a specific insurance company, feel free to visit that company's website to submit a rate quote request.

Shown below are agents in Philadelphia that can give you price quotes for Subaru Outback insurance in Philadelphia.

View more agents

Finding a good insurer needs to be determined by more than just a cheap price. The questions below may impact your decision as well.

  • In the event of vehicle damage, can you pick the collision repair facility?
  • How much experience to they have in personal lines coverages?
  • By raising physical damage deductibles, how much would you save?
  • How long has the business existed?
  • If independent agents, which companies do they recommend?

If you get reasonable responses for all questions you ask and an acceptable price quote, chances are good that you have found a company that will provide insurance coverage.

Persistence is the key to affordable rates

When buying insurance coverage, it's a bad idea to skimp on coverage in order to save money. There have been many cases where someone sacrificed full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage for the lowest cost.

We covered many ways to shop for Subaru Outback insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may even find the best prices are with an unexpected company. These companies may often insure only within specific states and give better rates than the large multi-state companies such as Progressive and GEICO.

Even more information can be read by following these links: