Do you want low-cost Subaru Outback insurance in Chicago? Scraping up a payment for pricey Subaru Outback insurance in Chicago can dry up your personal savings and make it impossible to make ends meet. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.
Regrettably, 70% of consumers kept their policy with the same company for over three years, and nearly the majority have never even compared quotes to find cheaper rates. Most drivers in America can save roughly $859 each year by just comparing quotes, but they just feel it’s too hard to find cheaper auto insurance rates. Big companies like State Farm, Allstate, GEICO and Progressive continually bombard you with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
Cheapest companies for Subaru Outback insurance in Illinois
The providers in the list below are ready to provide quotes in Illinois. If multiple providers are shown, it’s highly recommended you compare several of them to get the cheapest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $160 | $176 | $342 | $20 | $102 | $800 | $67 |
| Outback 2.5I Premium | $142 | $228 | $246 | $14 | $74 | $704 | $59 |
| Outback 2.5I Limited | $178 | $288 | $250 | $14 | $76 | $806 | $67 |
| Outback 3.6R | $196 | $336 | $246 | $14 | $74 | $866 | $72 |
| Outback 3.6R Premium | $260 | $340 | $342 | $20 | $102 | $1,064 | $89 |
| Outback 3.6R Limited | $218 | $392 | $274 | $16 | $82 | $982 | $82 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in vehicle location which can influence rates substantially.
Cost comparison with and without full coverage
The example below illustrates the difference between Subaru Outback car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or driving violations, $100 deductibles, married female driver, and no discounts are applied.
When to drop full coverage
There is no exact formula to stop buying comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Subaru Outback claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 a year to have full coverage, then it might be time to buy liability only.
There are some circumstances where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Careless drivers pay higher rates
The information below illustrates how violations and at-fault fender-benders can influence Subaru Outback auto insurance costs for different age groups. The premiums assume a married male driver, full coverage, $100 deductibles, and no discounts are applied.
Auto insurance rates based on gender
The example below compares Subaru Outback insurance rates for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Check for these discounts on Subaru Outback insurance in Chicago
Auto insurance is not inexpensive, but you can get discounts that you may not know about. A few discounts will be applied at the time of quoting, but a few need to be asked about prior to receiving the credit.
- Paper-free Discount – Some auto insurance companies will give a small break just for signing your application on the internet.
- Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts could save 15% off the PIP or medical payment premium.
- Drive Less and Save – Driving fewer miles can qualify you for substantially lower premium rates.
- ABS and Traction Control Discounts – Cars that have anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
- Air Bag Discount – Options like air bags or automatic seat belts may get savings of 25 to 30%.
A little note about advertised discounts, most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.
Companies and their offered discounts can be found below.
- Farm Bureau includes discounts for youthful driver, multi-policy, safe driver, good student, and driver training.
- Liberty Mutual may offer discounts for safety features, exclusive group savings, multi-car, new move discount, teen driver discount, newly married, and new vehicle discount.
- State Farm discounts include safe vehicle, Drive Safe & Save, good driver, Steer Clear safe driver discount, student away at school, and accident-free.
- Auto-Owners Insurance offers discounts for safe vehicle, group or association, safe driver, multiple vehicles, and multi-policy.
- GEICO may have discounts that include emergency military deployment, five-year accident-free, multi-vehicle, daytime running lights, and defensive driver.
- SAFECO offers premium reductions for teen safe driver, drive less, bundle discounts, homeowner, and anti-theft.
Before buying, ask each insurance company to apply every possible discount. Some discounts might not be offered in your state. To find providers that can offer you the previously mentioned discounts in Illinois, follow this link.
How Your Outback Insurance Rates are Determined
Multiple criteria are part of the equation when you quote your car insurance policy. Some are pretty understandable like an MVR report, although some other factors are more obscure like your continuous coverage or how safe your car is.
Shown below are some of the things used by insurance companies to determine rates.
Excellent credit scores equal low prices – An insured’s credit rating factor in determining premium rates. People with high credit ratings tend to be more responsible and file fewer claims than drivers who have worse credit. If your credit can be improved, you could pay less to insure your Subaru Outback by repairing your credit.
Youthful drivers pay higher premiums – More experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents, and tend to be get fewer driving tickets.Teenage drivers tend to be easily distracted when driving with friends and because of this, their auto insurance rates are much higher.
Adjust comp and collision deductibles and save – Deductibles for physical damage are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your car. A few examples of covered claims would be a windshield broken by a bird, collision with a deer, or theft of your vehicle. The more you’re willing to pay, the less money you will pay for auto insurance.
Don’t get traffic citations – Having just one moving violation can increase the cost of insurance twenty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers who have received multiple tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive a vehicle.
Vehicles with better crash test results mean better rates – Safer cars are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you.
Subaru Outback claim statistics – Insurers study historical loss data to calculate a rate that will offset any claims. Vehicles that statistically have increased claim numbers or amounts will have increased rates. The table below outlines the loss history for Subaru Outback vehicles.
For each coverage type, the statistical loss for all vehicles averaged together is a value of 100. Percentage values below 100 imply a favorable loss record, while percentages above 100 indicate more frequent losses or statistically larger losses.
Car Insurance Loss Data for Subaru Outback Models
| Specific Subaru Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Subaru Outback 4WD | 58 | 68 | 106 | 63 | 64 | 68 |
| Subaru Outback with Eyesight 4WD | 57 | 46 | 106 | 61 | 58 | 40 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Special considerations
When quoting and comparing the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. You are unique and your car insurance should be unique as well.
These are some specific questions might point out if your situation would benefit from an agent’s advice.
- Can I afford to buy a different vehicle if my Subaru Outback is totaled?
- When can I cancel my policy?
- What is the rate difference between pleasure use and commuting?
- Will I be non-renewed for getting a DUI or other conviction?
- How high should deductibles be on a Subaru Outback?
- Does my medical payments coverage pay my health insurance deductible?
- When would I need rental car insurance?
- What are the financial responsibility laws in my state?
- Am I covered when driving a rental car?
- Am I getting all the discounts available?
If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
When should I contact an agent?
A small number of people still like to get advice from a local agent and that is recommended in a lot of cases Licensed agents are trained risk managers and help file insurance claims. A good thing about comparing auto insurance online is that you can find lower rates and still buy from a local agent. And providing support for neighborhood agents is definitely important in Chicago.
After completing this quick form, your coverage information is emailed to local insurance agents in Chicago who want to provide quotes for your business. It makes it easy because there is no need to search for an agent due to the fact that quote results will go directly to your email. In the event you want to compare prices from a specific auto insurance provider, you can always search and find their rate quote page and fill out their quote form.
When narrowing the list to find a reliable insurance agent, there are two different types of agencies and how they work. Agents in Chicago can be described as either independent (non-exclusive) or exclusive. Both types can do a good job, but it is important to understand the difference in the companies they write for because it can impact buying decisions.
Independent Insurance Agents
Agents that choose to be independent often have many company appointments so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If prices rise, your agent can switch companies and you don’t have to do anything. When comparing rates, you need to include rate quotes from at a minimum one independent agency for the best price selection.
Below is a small list of independent agents in Chicago that may be able to give competitive price quotes.
Thomas Ward Insurance Group
707 W Willow St – Chicago, IL 60614 – (312) 254-1500 – View Map
Skyline Insurance Agency, Inc.
2302 W Belmont Ave – Chicago, IL 60618 – (773) 525-7500 – View Map
Urban Insurance Agency
800 W Huron St #301 – Chicago, IL 60642 – (312) 664-8088 – View Map
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive can only provide pricing for a single company like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive agencies are very knowledgeable on their products and sales techniques and that can be a competitive advantage.
Shown below are Chicago exclusive insurance agents that can give you price quote information.
Roni Siegel – State Farm Insurance Agent
860 N Clark St – Chicago, IL 60610 – (312) 751-0500 – View Map
Russ Spinelli – State Farm Insurance Agent
1525 E 53rd St #727 – Chicago, IL 60615 – (773) 955-3133 – View Map
Bill Dillard – State Farm Insurance Agent
516 W Diversey Pkwy – Chicago, IL 60614 – (773) 549-2605 – View Map
Choosing the best car insurance agent shouldn’t rely on just the premium amount. Any agent in Chicago should be forthright in answering these questions:
- Do they carry Errors and Omissions coverage?
- Do they offer rental car reimbursement?
- Will the agent or a CSR service your policy?
- Are claims handled at the agent’s location?
- Which company do they place the most coverage with?
Upon receiving reasonable responses for all questions you ask and the cheapest Subaru Outback insurance in Chicago quotes, it’s possible that you found an insurance agent that will service your policy. It’s important to know that you are able to terminate coverage any time you want so never feel that you are obligated to the auto insurance policy for a certain time period.
Cheaper insurance is a realistic goal
As you prepare to switch companies, you should never reduce needed coverages to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.
Discount Subaru Outback insurance in Chicago can be found on the web as well as from independent agents in Chicago, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide price quotes online and most of the time these smaller companies only sell coverage through local independent agencies.
To learn more, take a look at the resources below:
- Get the Right Protection (InsureUonline.org)
- What Car Insurance is Cheapest for Hybrid Vehicles in Chicago? (FAQ)
- Who Has Cheap Auto Insurance with Multiple Speeding Tickets in Chicago? (FAQ)
- Who Has Cheap Car Insurance Rates for 16 Year Olds in Chicago? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Ford Explorer in Chicago? (FAQ)
- Who Has the Cheapest Chicago Auto Insurance for a Nissan Altima? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- State Car Insurance Guides (GEICO)