Cheapest Rates for Subaru Outback Insurance in El Paso

No sane person likes buying auto insurance, in particular when they are paying too much.

Inconceivable but true, nearly 70% of Texas drivers have remained with the same auto insurance company for four years or more, and roughly 40% of drivers have never compared rate quotes at all. American insurance shoppers can save hundreds of dollars each year by just comparing quotes, but they don’t want to spend time to compare rates online. Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive best price available on Subaru Outback insurance in El Paso.

It’s a good idea to do rate comparisons every six months because prices tend to go up over time. Just because you found the lowest price on Subaru Outback insurance in El Paso at your last renewal there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you’re about to find out the quickest way to buy cheaper Subaru Outback insurance in El Paso.

The companies shown below can provide quotes in El Paso, TX. If more than one company is shown, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Subaru Outback coverage analysis

The information displayed below highlights a range of coverage costs for Subaru Outback models. Having a better idea how car insurance premiums are calculated can be of help when making informed decisions when comparing rates.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage prices substantially.

Physical damage deductible comparison

A question often asked by El Paso drivers is how high or low should comp and collision deductibles be. The data tables below can help illustrate the cost difference when you choose different physical damage coverage deductibles. The first rate estimation uses a $100 deductible and the second price table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can influence insurance rates considerably.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $39 more each month or $468 a year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 23 months between claims, you would save more money if you elect the higher deductible.

The information below shows how choosing a deductible and can raise or lower Subaru Outback insurance prices for different ages of insureds. The premiums assume a married male driver, comp and collision included, and no policy discounts are applied.

Accidents and violations increase rates

The chart below demonstrates how speeding tickets and accidents can increase Subaru Outback car insurance costs for different age groups. The information is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

Gender-based auto insurance premiums in El Paso

The chart below visualizes the comparison of Subaru Outback car insurance rates for male and female drivers. The rate quotes are based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.

Price comparison of only insuring for liability

The chart below shows the difference between Subaru Outback insurance premiums with liability coverage only compared to full coverage. Data assumes no violations or claims, $1,000 deductibles, single marital status, and no additional discounts are factored in.

When to eliminate full coverage

There is no exact formula to stop buying full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s assume your Subaru Outback replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $4,000 after paying your deductible. If you are paying over $400 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where eliminating full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Car insurance policy discounts for Subaru Outback insurance in El Paso

The price of auto insurance can be rather high, but you may qualify for discounts to help offset the cost. Certain discounts will be applied when you get a quote, but some discounts are required to be manually applied prior to receiving the credit.

• E-sign – A handful of larger companies give back up to $50 shop El Paso car insurance digitally online.
• Discount for New Cars – Insuring a new Outback can cost up to 25% less due to better safety requirements for newer vehicles.
• Claim Free – Good drivers with no accidents pay much less as opposed to insureds who have frequent claims or accidents.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
• ABS and Traction Control Discounts – Cars with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
• Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Discount for Multiple Policies – When you have multiple policies and insure them with the same company you may earn nearly 15% which can help you find the cheapest Subaru Outback insurance in El Paso.

Don’t be shocked that most of the big mark downs will not be given to the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, it’s just not the way it works. Any amount of discount will lower the cost of your policy.

The chart below compares Subaru Outback annual premium costs with and without discounts applied to the premium. The costs are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, claim-free, multi-car, and homeowner discounts applied.

Large car insurance companies and some of their more popular discounts are detailed below.

• State Farm offers discounts including defensive driving training, driver’s education, passive restraint, good student, and student away at school.
• GEICO may offer discounts for anti-lock brakes, multi-policy, multi-vehicle, anti-theft, seat belt use, air bags, and driver training.
• Allstate has savings for economy car, good payer, passive restraint, anti-lock brakes, defensive driver, and farm vehicle.
• SAFECO discounts include teen safe driver, homeowner, anti-lock brakes, multi-car, and bundle discounts.
• Farm Bureau may have discounts that include youthful driver, renewal discount, 55 and retired, multi-vehicle, and good student.
• Progressive offers premium reductions for multi-vehicle, homeowner, online quote discount, continuous coverage, online signing, and good student.
• AAA policyholders can earn discounts including anti-theft, multi-car, multi-policy, pay-in-full, AAA membership discount, education and occupation, and good student.

If you need lower rates, check with all the companies which discounts you may be entitled to. Some credits may not apply to policies in your area. If you would like to view insurance companies offering car insurance discounts in El Paso, click this link.

Car insurance is not optional

Despite the high cost, insurance may not be optional for several reasons.

First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Subaru Outback, more than likely the lender will require you to have full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Subaru at a more expensive rate and require you to pay a much higher amount than you were paying before.

Third, car insurance preserves both your vehicle and your personal assets. It will also cover most medical and hospital costs that are the result of an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If your car is damaged in a storm or accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance are definitely more than the cost, especially with large liability claims. The average driver in Texas is currently overpaying as much as $865 each year so shop around every year to save money.

Texas auto insurance company ratings

Insuring your vehicle with the best auto insurance company is hard considering how many companies provide coverage in El Paso. The information listed below could help you decide which car insurance companies to look at when comparing rate quotes.

Top 10 El Paso Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

You may need specialized insurance coverage

When it comes to buying insurance from an agent or online for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions can help discover if you may require specific advice.

• Will I be non-renewed for getting a DUI or other conviction?
• Can I afford low physical damage deductibles?
• Do they offer discounts for home and auto coverage?
• Does having multiple vehicles earn me a discount?
• Do I need replacement cost coverage?
• Can I still get insurance after a DUI?
• Am I covered when driving someone else’s vehicle?
• Does my personal policy cover me when driving out-of-state?
• Am I covered if hit by an uninsured driver?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Compare prices but still have a local neighborhood El Paso car insurance agent

Many drivers would rather get advice from a local agent and that is not a bad decision Licensed agents can make sure you are properly covered and help file insurance claims. The best thing about getting online price quotes is the fact that drivers can get lower rates but still work with a licensed agent.

For easy comparison, once you complete this form (opens in new window), your insurance data is submitted to local insurance agents in El Paso that give free quotes for your business. You don’t have to search for an agent because quoted prices will be sent immediately to your email address. In the event you want to quote rates from a particular provider, you would need to visit that company’s website and submit a quote form there.

Finding a good company requires more thought than just a cheap quote. Below are some questions you should ask.

• Do the companies they represent have a solid financial rating?
• Will the agent or a CSR service your policy?
• How are claims handled?
• Do they see any coverage gaps in your plan?
• Are there any extra charges for paying monthly?
• Do they offer accident forgiveness?
• Are claims handled at the agent’s location?
• Are all drivers listed on the coverage quote?

If you are wanting to purchase insurance from local El Paso agents, there are two types of insurance agents to choose from. Insurance agencies in El Paso can be categorized as either independent agents or exclusive agents depending on their employer. Either can sell and service insurance coverage, but it is a good idea to know why they differ because it can factor into the kind of agent you use.

Exclusive Agencies

Agents that elect to be exclusive can only quote rates from one company such as Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on sales techniques which helps them sell on service rather than price.

Shown below is a list of exclusive insurance agents in El Paso that are able to give rate quotes.

More insurance agents

Independent Agencies or Brokers

Agents in the independent channel are appointed with more than one company so they can insure your vehicles through lots of different companies and find you the best rates. If prices rise, they simply move your policy to a different company which is easy for the insured.

When comparing rates, it’s a good idea to get several quotes from independent agents for maximum quote selection.

Below are independent agents in El Paso willing to provide comparison quotes.

More insurance agents

Auto insurance 101

Having a good grasp of your car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, a tree branch falling on your vehicle, falling objects, hitting a deer and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

This provides protection from damages or injuries you inflict on people or other property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 30/60/25 which means a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, loss of income, funeral expenses, pain and suffering and structural damage. How much liability coverage do you need? That is your choice, but buy as large an amount as possible. Texas state minimum liability requirements are 30/60/25 but you should consider buying more coverage.

The illustration below shows why the minimum limit may not be high enough to cover claims.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Subaru Outback.

Due to the fact that many Texas drivers only purchase the least amount of liability that is required (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision coverage

This pays for damage to your Outback resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, sustaining damage from a pot hole, damaging your car on a curb, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible on your Outback to bring the cost down.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses like pain medications, X-ray expenses, chiropractic care and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage