Best Ways to Save on Omaha Subaru Outback Insurance

The recommended way to get discount Subaru Outback insurance is to start comparing rates regularly from insurance carriers who provide car insurance in Omaha.

First, spend some time learning about coverages and the steps you can take to prevent rate increases. Many policy risk factors that cause rate increases like getting speeding tickets and an imperfect credit rating can be eliminated by making small lifestyle or driving habit changes. Read the full article for information to help prevent costly coverage and find missing discounts.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like Progressive and State Farm, while independent agencies can quote prices for many different companies.

Third, compare the new rate quotes to your existing coverage to see if cheaper Outback coverage is available. If you find a lower rate quote and decide to switch, ensure there is no coverage lapse between policies.

Fourth, provide adequate notice to your current company of your intention to cancel your existing policy. Submit the application along with any required down payment to your new carrier. Don’t forget to safely store the proof of insurance paperwork in an easily accessible location in your vehicle.

A good tip to remember is to make sure you’re comparing similar deductibles and liability limits on each quote and to quote with as many different companies as possible. This guarantees a fair price comparison and a thorough selection of prices.

It’s an obvious conclusion that car insurance companies want to keep your business as long as possible. Drivers who get price quotes annually will presumably move their business because there is a great chance of finding a lower-priced company. A recent study showed that people who regularly compared rates saved on average $850 each year as compared to drivers who never shopped around for lower prices.

If finding the most affordable insurance in Omaha is your goal, then having some insight into the best way to compare auto insurance can help make the process easier.

Finding more affordable Omaha car insurance rates is pretty simple and can save money. You just have to take time comparing rate quotes to find the company with the cheapest Subaru Outback rate quotes.

The companies shown below are our best choices to provide price comparisons in Nebraska. If you want cheap auto insurance in Nebraska, we recommend you compare several of them to find the most competitive auto insurance rates.

Lower rates by qualifying for discounts

Some insurers do not advertise all their discounts very clearly, so the next list breaks down some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates. If you do not check that you are getting every discount available, you could be paying more than you need to.

• Accident Free – Drivers with accident-free driving histories can earn big discounts in comparison to drivers with a long claim history.
• Membership in Organizations – Being a member of a professional or civic organization is a good way to get lower rates on your next renewal.
• Resident Student – Older children living away from Omaha attending college and won’t have access to an insured vehicle may qualify for this discount.
• Driver’s Education for Students – Teen drivers should enroll in driver’s education as it will make them better drivers and lower rates.
• Early Switch Discount – Some auto insurance companies give discounts for signing up prior to your current Outback insurance policy expiration. You can save around 10% with this discount.
• Lower Rates for Military – Being on active deployment in the military could be rewarded with lower prices.
• Good Drivers – Drivers without accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
• Low Miles Discount – Driving less may allow you to get substantially lower prices.
• Mature Driver Discount – If you’re over the age of 55, you may receive better auto insurance rates.

As a disclaimer on discounts, many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic. But any discount should help reduce the amount you pay for coverage.

The example below compares Subaru Outback insurance rates with and without discounts applied to the rates. The rates are based on a male driver, no accidents, no driving violations, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, homeowner, multi-car, and multi-policy discounts applied.

A list of companies and a selection of discounts include:

• State Farm offers premium reductions for safe vehicle, Drive Safe & Save, driver’s education, accident-free, and passive restraint.
• GEICO may have discounts that include federal employee, air bags, defensive driver, good student, driver training, five-year accident-free, and anti-lock brakes.
• Progressive discounts include homeowner, multi-policy, good student, online quote discount, online signing, continuous coverage, and multi-vehicle.
• 21st Century may offer discounts for anti-lock brakes, theft prevention, air bags, early bird, 55 and older, defensive driver, and automatic seat belts.
• American Family includes discounts for early bird, bundled insurance, TimeAway discount, accident-free, defensive driver, good driver, and mySafetyValet.
• The Hartford has discounts for bundle, defensive driver, vehicle fuel type, good student, and anti-theft.
• AAA has savings for education and occupation, pay-in-full, multi-car, anti-theft, AAA membership discount, multi-policy, and good student.

Before buying, ask each company or agent to give you their best rates. A few discounts may not be available in your state. To locate insurance companies with discount rates in Nebraska, click this link.

Facts and figures for Subaru Outback insurance

The data table displayed next showcases detailed analysis of coverage prices for Subaru Outback models. Having a good grasp of how insurance policy premiums are established can assist in making informed coverage decisions.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific location information which can decrease or increase premium rates greatly.

Comparison of policy deductibles

One common question asked by Omaha drivers is which deductibles should you choose. The rates below may help to illustrate the rate difference when you choose different insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific location which can decrease or increase coverage prices noticeably.

Based on these figures, using a $100 deductible will cost you roughly $32 more each month or $384 each year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 28 months between claims, you would save more money if you opt for a higher deductible.

One thing to note is that a higher deductible level results in more money out-of-pocket at claim time. That will force you to have enough money put aside in the event you need to pay the higher deductible.

Rate difference between full and liability-only coverage

The diagram below shows the difference between Subaru Outback insurance rates when comparing full coverage to liability only. The premiums are based on no claims or violations, $500 deductibles, single status, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no definitive guideline of when to phase out physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s say your Subaru Outback settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are paying in excess of $600 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some cases where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

When to have guidance from an agent

Some consumers would rather go talk to an agent and that is just fine! Professional agents will help you protect your assets and help you file claims. One of the best bonuses of comparing insurance online is the fact that drivers can get cheap rate quotes and still buy from a local agent. And buying from local insurance agents is important particularly in Omaha.

Upon completion of this quick form, the quote information gets sent to companies in Omaha who will return price quotes for your insurance coverage. There is no reason to drive around since rate quotes are delivered directly to you. If you need to compare prices from a specific insurance provider, you would need to search and find their rate quote page and give them your coverage information.

Do you need an independent or exclusive car insurance agent?

If you are wanting to find a reliable insurance agency, you must know there are a couple different types of agencies that you can choose from. Insurance agents in Omaha are categorized either exclusive or independent (non-exclusive). Both types of agents can do a good job, but we need to point out how they differ because it can influence the type of agent you choose.

Independent Insurance Agents

Agents of this type do not write with just one company and that is an advantage because they can write policies with many different companies and help determine which has the cheapest rates. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparing insurance rates, we recommend you include price quotes from several independent insurance agents to have the best price comparison. Many independent agencies also insure through companies that do not advertise much which can be an advantage.

The following is a list of independent agencies in Omaha who may be able to give you free price quotes.

• Omaha Division Insurance
  14792 Ray Sapp Dr – Omaha, NE 68138 – (402) 334-7087 – View Map
• Alvarez Insurance Agency
  4629 S 23rd St – Omaha, NE 68107 – (402) 733-1878 – View Map
• Nia Insurance Agency Inc
  2816 N 24th St – Omaha, NE 68110 – (402) 779-8999 – View Map

More Omaha agents

Exclusive Insurance Agencies

Exclusive agents write business for a single company like Allstate and State Farm. These agents are not able to place coverage with different providers so you need to shop around if the rates are high. These agents receive extensive training on their company’s products and that enables them to sell even at higher rates. Consumers often buy insurance from these agents partially due to high brand loyalty rather than low rates.

Listed below are exclusive insurance agents in Omaha that are able to give rate quotes.

• American Family Insurance – John Cuenca
  4601 S 50th St Ste 306 – Omaha, NE 68117 – (402) 614-5004 – View Map
• Larry Smith – State Farm Insurance Agent
  11717 Burt St #105 – Omaha, NE 68154 – (402) 491-0111 – View Map
• Araf Evans – State Farm Insurance Agent
  12005 W Center Rd #95 – Omaha, NE 68144 – (402) 884-1885 – View Map

More Omaha agents

Choosing an insurance agent needs to be determined by more than just the bottom line cost. A good agent in Omaha will have answers to these questions.

• How are claims handled?
• Where would your vehicle be repaired?
• Are they actively involved in the community?
• Are they able to influence company decisions when a claim is filed?
• What companies can they write with?
• Is there a Errors and Omissions policy in force?

What is the best insurance coverage?

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that might help in determining if you would benefit from professional advice.

• Do I have coverage if I rent a car in Mexico?
• Should I carry comprehensive and collision coverage?
• Is other people’s property covered if stolen from my vehicle?
• Who is covered by my policy?
• Is business property covered if stolen from my car?
• Should I file a claim if it’s only slightly more than my deductible?
• Is upholstery damage covered by car insurance?
• Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

How Insurers Determine Subaru Outback Insurance Rates

Consumers need to have an understanding of the factors that aid in calculating the rates you pay for auto insurance. If you know what impacts premium levels, this empowers consumers to make smart changes that can help you get better auto insurance rates.

The items below are some of the items auto insurance companies consider when setting your rates.

Frequent policy claims will increase rates – Auto insurance companies in Nebraska award better rates to policyholders who do not file claims often. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for more catastrophic claims.

Being married is a good thing – Being married may save some money on auto insurance. Marriage is viewed as being more mature and responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Save money by having responsible credit – Having a bad credit score will be a significant factor in determining your rates. So if your credit history is not that good, you may save money insuring your Subaru Outback by improving your credit score. People that have high credit scores tend to file fewer claims than drivers with poor credit.

Bundle policies and save – Most insurance companies will give discounts to buyers that buy multiple policies. It’s known as a multi-policy discount. Even though this discount sounds good, consumers should still compare Subaru Outback rates in Omaha to help ensure you have the lowest rates.

Premiums are affected by your address – Living in less populated areas of the country has definite advantages when it comes to auto insurance. Urban drivers regularly have more road rage incidents and a longer drive to work. Fewer drivers and short commutes means less chance of accidents and also fewer theft and vandalism claims.

Auto insurance rates and your occupation – Jobs such as judges, architects, and emergency personnel tend to have higher premium rates due to intense work requirements and lengthy work days. On the other hand, careers such as actors, engineers and homemakers pay the least.

Low deductibles can be expensive – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your Subaru. Some examples of covered claims could be collision with another vehicle, hitting a deer, and damage caused by flying debris. Deductibles for physical damage are how much you are required to pay if you file a covered claim. The more expense you choose to pay out-of-pocket, the better rate you will receive.

Cheaper to insure women? – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that males are worse at driving than females. Women and men cause at-fault accidents at a similar rate, but the males have costlier accidents. Not only that, but men also get more serious tickets such as reckless driving.

The information below shows the comparison of Subaru Outback auto insurance rates for male and female drivers. The costs are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

Subaru Outback claim statistics – Companies factor in insurance loss information as a tool for profitable underwriting. Vehicles that the statistics show to have high amounts or severity of claims will have a higher premium rate. The table below demonstrates the compiled insurance loss statistics for Subaru Outback vehicles.

For each coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is a value of 100. Percentage values below 100 suggest a positive loss record, while values over 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.

Three reasons car insurance is important

Despite the fact that car insurance is not cheap in Omaha, insuring your vehicle is not optional due to several reasons.

• Most states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability insurance if you don’t want to risk a ticket. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Subaru with a loan, it’s most likely the lender will have a requirement that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Subaru for a lot more money and force you to pay for the much more expensive policy.
• Insurance safeguards your vehicle and your assets. It will also provide coverage for many types of medical costs incurred in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your car more than offset the price you pay, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is wasting up to $820 a year so it’s important to compare rates every year to ensure rates are inline.

Compare. Compare. Compare.

Some insurance companies do not provide rates over the internet and many times these small insurance companies only sell coverage through independent insurance agents. Cheaper Subaru Outback insurance in Omaha can be found from both online companies and also from your neighborhood Omaha agents, and you should compare rates from both in order to have the best price selection to choose from.

Consumers leave their current company for many reasons like an unsatisfactory settlement offer, not issuing a premium refund, poor customer service and even policy cancellation. Whatever your reason, choosing a new company can be less work than you think.

You just read a lot of tips how to get a better price on Subaru Outback insurance in Omaha. The key concept to understand is the more providers you compare, the better chance you’ll have of finding inexpensive Omaha car insurance quotes. You may even be surprised to find that the best price on car insurance is with a smaller regional carrier.

Helpful learning opportunities

• Teen Driving Statistics (iihs.org)
• How Much are Auto Insurance Rates for Single Moms in Omaha? (FAQ)
• Who Has the Cheapest Omaha Car Insurance Quotes for High School Students? (FAQ)
• How Much are Car Insurance Quotes for a Ford Escape in Omaha? (FAQ)
• Event Data Recorders FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• What is Covered by GAP Insurance? (Allstate)