Save Money on Subaru Outback Insurance in Madison

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Insurance for Subaru OutbackDo you need a better way to compare more affordable Subaru Outback insurance in Madison? Do you get exhausted from scraping the payment together to make your car insurance payment? You are no different than many other Wisconsin drivers.

Shocking but true, nearly 70% of customers kept their coverage with the same car insurance company for four years or more, and 38% of drivers have never even compared quotes to find cheaper rates. The average driver in the United States could cut their rates by 47% a year, but they don't want to spend time to find cheaper car insurance rates.

How to save on Subaru Outback insurance in Madison

The recommended way to get more affordable Subaru Outback insurance in Madison is to compare prices annually from different companies who provide auto insurance in Wisconsin. You can compare prices by following these guidelines.

First, read about how car insurance works and the measures you can control to keep rates low. Many things that result in higher rates such as accidents, traffic violations, and poor credit history can be controlled by making lifestyle changes or driving safer. Continue reading for more ideas to help prevent high rates and find hidden discounts.

Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of insurance providers.

Third, compare the new quotes to the price on your current policy and determine if cheaper Outback coverage is available. If you can save some money, ensure coverage does not lapse between policies.

One thing to point out is to try to compare the same deductibles and limits on each quote and and to get rates from as many different companies as possible. Doing this enables an accurate price comparison and the best price selection.

Popular companies such as Progressive, State Farm and GEICO continually hit you with TV and radio ads and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.

It's a great practice to do rate comparisons before your next renewal because prices are variable and change quite frequently. If you had the lowest quotes on Subaru Outback insurance in Madison six months ago you will most likely find a better rate today. There is a lot of bad advice regarding Outback insurance out there, but in a few minutes you can learn some good information on how to lower your car insurance bill.

If you have a current auto insurance policy or need new coverage, you can use these tips to reduce premiums without reducing protection. Locating the best rates in Madison is quite easy if you know the best way to do it. Vehicle owners just have to understand the most time-saving way to compare prices online.

Low Cost companies for Subaru Outback insurance

The companies in the list below are our best choices to provide price quotes in Madison, WI. If your goal is to find cheap auto insurance in WI, we suggest you visit two to three different companies to get the best price comparison.

Analysis of coverages

The rate table displayed below covers different prices for Subaru Outback models. Having a better idea how auto insurance premiums are calculated can help guide drivers when making informed decisions.

Subaru Outback Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $182 $226 $236 $14 $70 $728 $61
Outback 2.5I Premium $182 $276 $236 $14 $70 $778 $65
Outback 2.5I Limited $182 $276 $236 $14 $70 $778 $65
Outback 3.6R $182 $276 $236 $14 $70 $778 $65
Outback 3.6R Premium $182 $276 $236 $14 $70 $778 $65
Outback 3.6R Limited $204 $324 $236 $14 $70 $848 $71
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can revise premiums noticeably.

Physical damage deductible comparison

When buying car insurance, a common question is how high should the physical damage coverage deductibles be. The premium rates below highlight how much more you'll pay of buying low and high physical damage deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.

Subaru Outback insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $224 $294 $230 $14 $68 $855 $71
Outback 2.5I Premium $224 $358 $230 $14 $68 $919 $77
Outback 2.5I Limited $224 $358 $230 $14 $68 $919 $77
Outback 3.6R $224 $358 $230 $14 $68 $919 $77
Outback 3.6R Premium $224 $358 $230 $14 $68 $919 $77
Outback 3.6R Limited $248 $422 $230 $14 $68 $1,007 $84
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Subaru Outback insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $164 $198 $230 $14 $68 $674 $56
Outback 2.5I Premium $164 $242 $230 $14 $68 $718 $60
Outback 2.5I Limited $164 $242 $230 $14 $68 $718 $60
Outback 3.6R $164 $242 $230 $14 $68 $718 $60
Outback 3.6R Premium $164 $242 $230 $14 $68 $718 $60
Outback 3.6R Limited $182 $284 $230 $14 $68 $778 $65
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates substantially.

Based on the data above, we can derive that using a $100 deductible costs an average of $17 more each month or $204 for a full year than requesting 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 tend to have at a minimum 24 months between claim filings, you would save money by selecting a higher deductible.

Does full coverage make sense?

The example below compares Subaru Outback auto insurance rates with full coverage and liability only. The costs are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no discounts are applied.

When to eliminate full coverage

There is no definitive formula for eliminating physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let's say your Subaru Outback claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after the deductible is paid. If it's costing in excess of $200 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where eliminating full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Eight Tips to Get More Affordable Madison Insurance Costs

Multiple criteria are considered when premium rates are determined. Some are pretty understandable like a motor vehicle report, but others are not as apparent like where you live or your vehicle rating. When buying car insurance it's important to understand the different types of things that play a part in calculating the price you pay for car insurance. If you know what determines base rates, this allows you to make good choices that will entitle you to lower premium levels.

Lower rates for married couples - Having a spouse may cut your premiums compared to being single. Marriage generally demonstrates drivers are more mature than a single person and statistics show drivers who are married are more cautious.

Youthful vs. mature drivers - Inexperience drivers have been known to be more careless when behind the wheel so car insurance rates are higher. More mature drivers are viewed as being more responsible, tend to file fewer claims, and usually have better credit.

The chart below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

Are you male or female? - Statistics show that men are more aggressive behind the wheel. Now that doesn't mean females are better drivers. Females and males are responsible for auto accidents in similar numbers, but guys tend to have more serious accidents. Men also tend to receive more major tickets like reckless driving and DUI. Male teenagers tend to get in the most accidents and thus pay the highest rates.

The example below visualizes the comparison of Subaru Outback insurance prices for male and female drivers. The premiums are based on no claims or violations, full coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Filing insurance claims can cost more - If you are the type of insured that files lots of claims you can definitely plan on higher rates. Companies in Wisconsin award the lowest premiums to policyholders who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for larger claims.

Performance affects costs - The performance level of the car you own makes a big difference in determining your rates. Lower cost passenger cars generally have the cheapest insurance rates, but many other things help determine your insurance rates.

The chart below is based on a married female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Subaru Outback policy rates compared to other models that have a range of performances.

Traffic violations mean higher rates - Drivers with clean records tend to pay less for car insurance as compared to those with violations. Getting just one ticket may cause rates to rise by twenty percent. Drivers who get careless citations such as DUI or reckless driving may find they need to complete a SR-22 with their state in order to legally drive a vehicle.

The chart below demonstrates how citations and accident claims raise Subaru Outback car insurance costs for different age groups. The data is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

Cheaper rates by consolidating - Most major car insurance companies give a discount for people that buy multiple policies. It's known as a multi-policy discount. Even with this discount applied, it's in your best interest to compare other company rates to guarantee you are still saving the most. It's possible to still save more without the discount even if you have your coverage with different companies

Drive less and pay lower prices - The more you drive in a year's time the more you'll pay to insure it. Almost all companies charge rates based upon how the vehicle is primarily used. Cars left parked in the garage can be on a lower rate level than those that get driven frequently. Make sure your car insurance coverage correctly shows the right rating data. Improper usage on your Outback can result in significantly higher rates.

Subaru Outback historical loss data - Companies take into consideration historical loss data for every vehicle as a way to help calculate a profitable premium rate. Vehicles that the statistics show to have increased claim numbers or amounts will be charged more to insure. The table below demonstrates the insurance loss data used by companies for Subaru Outback vehicles.

For each insurance policy coverage type, the claim probability for all vehicles, without regard to make or model, is set at 100. Numbers shown that are under 100 imply a favorable loss record, while values that are 100 or greater point to more claims or an increased probability of a larger loss.

Car Insurance Loss Data for Subaru Outback Models
Make and 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
BETTER
AVERAGE
WORSE

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

These discounts can slash Subaru Outback insurance rates

Insurance is easily one of your largest bills, but you might find some hidden discounts that you may not even be aware of. Some discounts will apply at the time you complete a quote, but a few must be asked for before you get the savings.Cheaper insurance with discounts

  • Defensive Driving Course - Taking a course in driver safety could earn you a small percentage discount if you qualify.
  • Government Employee Discount - Federal government employees could provide a small rate reduction depending on your company.
  • Switch and Save Discount - A few companies give discounts for switching companies prior to the expiration date on your current Outback insurance policy. The savings is around 10%.
  • Good Students Pay Less - Performing well in school may save as much as 25% on a Madison auto insurance quote. The discount lasts until age 25.
  • Anti-lock Brake System - Cars equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
  • Low Mileage Discounts - Maintaining low annual mileage could be rewarded with cheaper premium rates.
  • Save with a New Car - Buying insurance coverage on a new vehicle is cheaper since newer models have better safety ratings.
  • Full Payment Discount - By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
  • Passenger Safety Discount - Cars that have air bags or motorized seat belts may get savings of 20% or more.
  • Save over 55 - Older drivers can possibly qualify for better insurance rates.

Don't be shocked that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, that's just not realistic. Any qualifying discounts will bring down your policy premiums.

The example below shows the comparison of Subaru Outback insurance premiums with and without discounts applied to the premium. The premiums assume a female driver, a clean driving record, no at-fault accidents, Wisconsin state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, homeowner, and marriage discounts applied.

A few popular companies and their possible discounts are:

  • State Farm discounts include good student, passive restraint, driver's education, student away at school, multiple policy, and safe vehicle.
  • American Family offers premium reductions for Steer into Savings, TimeAway discount, accident-free, good student, air bags, and defensive driver.
  • AAA may include discounts for good driver, pay-in-full, multi-policy, AAA membership discount, and anti-theft.
  • GEICO offers discounts for air bags, driver training, multi-policy, good student, multi-vehicle, and seat belt use.
  • Mercury Insurance has savings for type of vehicle, age of vehicle, multi-car, good student, ease of repair, and accident-free.
  • Farmers Insurance may offer discounts for mature driver, multi-car, youthful driver, electronic funds transfer, and distant student.
  • Progressive policyholders can earn discounts including continuous coverage, good student, multi-vehicle, online quote discount, online signing, and multi-policy.

When getting free Madison auto insurance quotes, it's a good idea to every company what discounts are available to you. Savings might not be available to policyholders in Madison. To see insurance companies with the best Subaru Outback insurance discounts in Madison, follow this link.

Local agents and car insurance

A lot of people would rather buy from a local agent and that is recommended in a lot of cases Good agents can help you build your policy and will help you if you have claims. A good thing about comparing rate quotes online is you may find the lowest rates and also buy local. And supporting local insurance agencies is important particularly in Madison.

Insurance agency in MadisonTo find an agent, once you fill out this quick form, your insurance data is submitted to local insurance agents in Madison that can give you free Madison auto insurance quotes for your business. It's much easier because you don't need to search for an agent since rate quotes are delivered directly to your email. In the event you want to quote rates from a specific company, you just need to visit that company's website and give them your coverage information.

The following are Madison auto insurance companies that may be willing to give price quote information for Subaru Outback insurance in Madison.


425 Grand Canyon Dr - Madison, WI 53719 - (608) 833-9000 - View Map


3830 Atwood Ave - Madison, WI 53714 - (608) 273-3361 - View Map


624A Struck St - Madison, WI 53719 - (608) 271-9395 - View Map


7941 Tree Ln #205 - Madison, WI 53717 - (608) 824-9950 - View Map

View more agents

Choosing an provider should include more criteria than just a cheap quote. Some important questions to ask are:

  • Do they get paid more for recommending certain coverages?
  • Which members of your family are coverage by the policy?
  • Do they offer claims assistance after hours?
  • What company do they have the most business with?
  • Do the agents have professional certifications like CPCU or CIC?
  • Are they primarily personal or commercial lines agents in Madison?

If you receive good answers in addition to an acceptable price estimate, you have narrowed it down to an insurer that meets the criteria to provide car insurance coverage. Just remember consumers can cancel your coverage when you choose so don't think you are locked into a specific company with no way to switch.

What is the best auto insurance company in Madison?

Buying coverage from the right insurance company is hard considering how many companies provide coverage in Madison. The company rank data in the next section can help you select which auto insurers to look at purchasing coverage from.

Top 10 Madison Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA - 92%
  2. Erie Insurance - 88%
  3. American Family - 88%
  4. State Farm - 88%
  5. Nationwide - 88%
  6. 21st Century - 88%
  7. AAA Insurance - 87%
  8. Liberty Mutual - 87%
  9. Farmers Insurance - 87%
  10. The Hartford - 87%

Top 10 Madison Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Don't give up on cheap premiums

Some auto insurance companies don't offer rate quotes online and many times these small, regional companies only sell through local independent agents. Cheap Subaru Outback insurance in Madison is possible on the web and from local agencies, and you should compare price quotes from both to have the best rate selection.

You just read many tips how you can reduce Subaru Outback insurance premium rates online in Madison. It's most important to understand that the more price quotes you have, the better likelihood of getting cheaper Madison auto insurance quotes. Consumers could even find that the lowest priced auto insurance comes from a smaller regional carrier. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

Steps to buying affordable Subaru Outback insurance in Madison

The recommended way to get discount Subaru Outback insurance is to compare quotes once a year from providers in Madison. Price quotes can be compared by following these steps.

Step 1: Take a little time to learn about the different coverages in a policy and the modifications you can make to drop your rates. Many risk factors that result in higher rates like inattentive driving and an unacceptable credit history can be amended by being financially responsible and driving safely.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agents can quote prices from multiple sources. Start a quote

Step 3: Compare the quotes to your existing rates to determine if switching companies saves money. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.

Step 4: Tell your current company of your intent to cancel your current coverage. Submit a down payment and signed policy application to your new carrier. When you receive it, keep the new proof of insurance certificate above your visor, in the console, or in the glove compartment.

The key thing to remember is to compare the same physical damage deductibles and liability limits on every quote and and to get prices from as many companies as possible. Doing this ensures a level playing field and a good representation of prices.

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