Compare Subaru Outback Insurance Quotes in San Francisco

It goes without saying that insurance companies don’t want you to look at other companies. Drivers who shop around for a cheaper policy will most likely switch to a new company because they stand a good chance of finding better rates. A survey found that consumers who regularly compared price quotes saved approximately $72 a month compared to drivers who never shopped around for lower prices.

If finding budget-friendly car insurance in San Francisco is your intention, learning how to quote prices and compare insurance can save time and make the process easier.

Insurance for Subaru OutbackThe best way we recommend to find cheaper prices for Subaru Outback insurance is to compare prices once a year from providers in San Francisco. This can be done by following these guidelines.

  1. Gain an understanding of how insurance companies determine prices and the measures you can take to prevent expensive coverage. Many factors that are responsible for high rates like traffic violations and a low credit score can be rectified by making small lifestyle or driving habit changes. This article provides more information to help prevent costly coverage and get additional discounts that may have been overlooked.
  2. Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while independent agents can provide price quotes from multiple sources.
  3. Compare the new quotes to your current policy premium and determine if there is any savings. If you find a better price and change companies, make sure coverage does not lapse between policies.
  4. Provide adequate notice to your current company to cancel your current policy. Submit a completed policy application and payment for the new coverage. Be sure to put the proof of insurance certificate along with your vehicle registration.

A good piece of advice is to compare the same physical damage deductibles and liability limits on every price quote and and to look at as many companies as possible. Doing this guarantees a fair rate comparison and the best rate selection.

Buying affordable insurance in San Francisco can initially seem challenging. If you currently have a car insurance policy, you stand a good chance to be able to get lower rates using the ideas covered in this article. But California car owners can benefit by having an understanding of the methods companies use to market on the web because it can help you find the best coverage.

Companies offering Subaru Outback insurance in San Francisco

The companies shown below have been selected to offer quotes in San Francisco, CA. If the list has multiple companies, it’s a good idea that you compare several of them to get the best price comparison.

Analysis of Subaru Outback rates

The price information displayed below outlines a range of coverage prices for Subaru Outback models. Having knowledge of how auto insurance policy rates are determined helps drivers make informed decisions when comparing rates.

Subaru Outback Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $270 $374 $500 $30 $150 $1,324 $110
Outback 2.5I Premium $270 $454 $500 $30 $150 $1,404 $117
Outback 2.5I Limited $270 $454 $500 $30 $150 $1,404 $117
Outback 3.6R $270 $454 $500 $30 $150 $1,404 $117
Outback 3.6R Premium $270 $454 $500 $30 $150 $1,404 $117
Outback 3.6R Limited $300 $536 $500 $30 $150 $1,516 $126
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in specific location information which can affect rates noticeably.

Deductible analysis

One of the most common car insurance questions is how high should your deductibles be. The data tables below may help you to understand the rate differences when you choose different policy deductibles. The first set of prices uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.

Subaru Outback insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $430 $564 $442 $26 $132 $1,619 $135
Outback 2.5I Premium $430 $686 $442 $26 $132 $1,741 $145
Outback 2.5I Limited $430 $686 $442 $26 $132 $1,741 $145
Outback 3.6R $430 $686 $442 $26 $132 $1,741 $145
Outback 3.6R Premium $430 $686 $442 $26 $132 $1,741 $145
Outback 3.6R Limited $478 $810 $442 $26 $132 $1,913 $159
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Subaru Outback insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $314 $382 $442 $26 $132 $1,296 $108
Outback 2.5I Premium $314 $464 $442 $26 $132 $1,378 $115
Outback 2.5I Limited $314 $464 $442 $26 $132 $1,378 $115
Outback 3.6R $314 $464 $442 $26 $132 $1,378 $115
Outback 3.6R Premium $314 $464 $442 $26 $132 $1,378 $115
Outback 3.6R Limited $348 $546 $442 $26 $132 $1,494 $125
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle garaging location which can alter rates significantly.

Based on the above data, using a $100 deductible costs roughly $30 more each month or $360 every 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 normally average at least 13 months between claims, you would come out ahead if you elect the higher deductible.

Comparison of full coverage and liability-only policies

The illustration below compares Subaru Outback insurance costs with liability coverage only compared to full coverage. The premium estimates are based on no driving violations, no at-fault accidents, $250 deductibles, single status, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There is no clear-cut formula that is best for determining when to drop full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Subaru Outback replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after you pay the deductible. If it’s costing in excess of $700 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Get cheap Subaru Outback insurance in San Francisco with discounts

Some insurers do not list all their discounts in a way that’s easy to find, so the list below contains both well-publicized in addition to some of the lesser obvious credits available to you.

Just know that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.

The chart below illustrates the comparison of Subaru Outback insurance costs with and without discounts applied to the premium. Data assumes a female driver, no claims or violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, claim-free, marriage, and safe-driver discounts applied.

Some companies that have most of these discounts include:

When comparing rates, check with all companies you are considering what discounts are available to you. A few discounts may not be available in San Francisco. If you would like to see a list of insurance companies who offer cheap Subaru Outback insurance quotes in San Francisco, click here to view.

Exclusive or independent auto insurance agents

A small number of people prefer to go talk to an agent and often times that is recommended One of the best bonuses of price shopping on the web is you may find cheap rate quotes but also keep your business local.

Once you complete this simple form, your insurance coverage information is emailed to local insurance agents who will give you quotes for your business. You don’t have to contact any agents since rate quotes are delivered to you instantly. You’ll get the best rates without having to waste a lot of time. If you wish to compare rates from a specific insurance company, feel free to jump over to their website and submit a quote form there.

Picking an company is decision based upon more than just the quoted price. The questions below may impact your decision as well.

The lowest rates come from being thorough

Drivers change insurance companies for a number of reasons such as delays in responding to claim requests, policy non-renewal, high prices and denial of a claim. Regardless of your reason, choosing a new insurance company can be less work than you think.

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There have been many cases where an insured dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

You just learned quite a bit of information on how to find cheaper Subaru Outback insurance in San Francisco. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. Drivers may even discover the lowest auto insurance rates are with a small local company.

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