Cheap Quotes for Subaru Outback Insurance in Los Angeles

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Want a free price quotes on cheaper Subaru Outback insurance in Los Angeles? Sick and tired of trying to scrape together enough money to insure your Subaru every month? You have the same problem as many other California consumers.

Insurance quote for Subaru Outback in Los AngelesRemarkably, a study showed that the vast majority of insurance customers have remained with the same insurance company for at least the last four years, and nearly 40% of drivers have never even shopped around for cheaper coverage. Drivers in California can save hundreds of dollars each year just by comparing rates, but they don't know how much money they would save if they changed companies.

Because there are so many options for buying affordable insurance for a Subaru Outback in Los Angeles, it's difficult to find the lowest cost insurance provider.

Companies offering Subaru Outback insurance in California

The companies shown below are ready to provide price comparisons in California. If the list has multiple companies, we suggest you visit several of them to find the cheapest auto insurance rates.

Coverage statistics and figures

The information shown below showcases a range of insurance policy prices for Subaru Outback models. Understanding how premiums are calculated is important to be able to make informed decisions when comparing rates.

Subaru Outback Insurance Rates in Los Angeles, CA
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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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate quotes do not factor in specific Los Angeles garaging location which can impact insurance rates substantially.

Choosing deductibles

One of the hardest decisions when shopping for insurance is how high should the physical damage deductibles be. The comparisons below can help show the differences in premium rates between low and high physical damage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Subaru Outback insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $386 $472 $442 $26 $132 $1,483 $124
Outback 2.5I Premium $386 $576 $442 $26 $132 $1,587 $132
Outback 2.5I Limited $386 $576 $442 $26 $132 $1,587 $132
Outback 3.6R $386 $576 $442 $26 $132 $1,587 $132
Outback 3.6R Premium $386 $576 $442 $26 $132 $1,587 $132
Outback 3.6R Limited $430 $678 $442 $26 $132 $1,733 $144
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Subaru Outback insurance premium estimates 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
Get Your Own Customized Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in zip code location which can increase or decrease coverage rates significantly.

We can derive from the above data that using a $250 deductible costs an average of $17 more each month or $204 annually across all Subaru Outback models than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 15 months between claims, you would probably save some money by selecting a higher deductible.

The illustration below demonstrates how deductibles and can impact Subaru Outback insurance costs for each age group. Data assumes a married male driver, full physical damage coverage, and no discounts are factored in.

Does it make sense to buy full coverage?

The example below compares Subaru Outback insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums assume no violations or accidents, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Should you pay for full coverage?

There is no clear-cut formula to exclude full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your Subaru Outback book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after you pay the deductible. If you are currently paying more than $700 annually for full coverage, then it might be time to consider dropping full coverage.

There are a few situations where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Do you qualify for discounts on Subaru Outback insurance in Los Angeles?

The price of auto insurance can be rather high, but there may be some discounts that many people don't even know exist. A few discounts will automatically apply when you purchase, but a few must be asked about before you get the savings.

  • College Student Discount - Children who are attending college without a vehicle on campus may qualify for this discount.
  • Discount for Low Mileage - Maintaining low annual mileage could earn better prices on cars that stay parked.
  • Switch and Save Discount - A few larger companies offer discounts for switching to them before your current coverage expires. This discount can save up to 10%.
  • Air Bags and Passive Restraints - Cars that have air bags can qualify for discounts as much as 30%.
  • Auto/Life Discount - Larger insurance carriers have a small discount if you purchase a life insurance policy as well.
  • Seat Belts Save - Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Multi-policy Discount - When you combine your auto and homeowners insurance and place coverage with the same company you may earn 10% to 20% off each policy.

Discounts lower rates, but most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think you could get a free car insurance policy, insurance companies wouldn't stay in business.

The chart below compares Subaru Outback auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, homeowner, safe-driver, and multi-policy discounts applied.

To choose insurers that offer multiple discounts in Los Angeles, follow this link.

Insurance is available from your local insurance agencies

Many drivers would rather talk to a local agent and that can be a great decision The biggest benefit of comparing insurance online is that drivers can save money and get cheap rate quotes and still choose a local agent. Putting coverage with small agencies is important especially in Los Angeles.

Los Angeles insurance agentsAfter filling out this short form, your insurance coverage information is immediately sent to companies in Los Angeles who can give free rate quotes for your business. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered directly to you. You can get cheaper insurance rates without requiring a lot of work. In the event you want to compare rates from one company in particular, you can always go to their quote page and complete a quote there.

Finding the right company requires more thought than just a low price. Get answers to these questions too.

  • Which family members are covered?
  • Do you qualify for any additional discounts?
  • Do they offer accident forgiveness?
  • How often do they review coverages?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Are they properly licensed to sell insurance in California?
  • If independent agents, which companies do they recommend?
  • Do they have any clout with companies to ensure a fair claim settlement?

Upon getting positive feedback for all questions you ask and low cost Subaru Outback insurance quotes, it's a good possibility that you have found an provider that can be relied on to insure your vehicles.

A little work can save a LOT of money

When trying to cut insurance costs, it's a bad idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed liability coverage limits only to regret at claim time that the savings was not a smart move. The aim is to purchase plenty of coverage at a price you can afford, but don't skip important coverages to save money.

We just covered quite a bit of information on how to reduce Subaru Outback insurance rates online in Los Angeles. It's most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with the least-expected company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

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