Insurance quote for Subaru Outback in Fort WayneWant to know how to find lower-priced Subaru Outback insurance in Fort Wayne? Getting affordable Fort Wayne Subaru Outback insurance quotes can appear to be challenging for people new to quoting and price shopping online. When there are so many online companies available, how can Fort Wayne drivers even start to compare all the different companies and get the best pricing?

Unimaginable but true, nearly 70% of consumers have remained with the same car insurance company for a minimum of four years, and almost half have never compared quotes from other companies. Many drivers in America can save $850 each year just by shopping around, but they don't know the actual amount they would save if they switched to a cheaper policy.

Compare free Fort Wayne Subaru Outback insurance quotes

To find cheaper quotes, there are a couple of ways to get quotes from many available auto insurance companies in Indiana. By far the easiest way to compare Subaru Outback insurance prices consists of shopping online. Just remember that more quotes gives you a better chance of getting the best price. Some insurance companies are not set up to provide online price quotes, so it's recommended that you also compare quotes from the smaller companies as well.

The companies in the list below are our best choices to provide price comparisons in Fort Wayne, IN. If multiple companies are shown, it's highly recommended you visit two to three different companies in order to get a fair rate comparison.

Subaru Outback Insurance Price Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $222 $276 $290 $18 $86 $892 $74
Outback 2.5I Premium $200 $294 $280 $16 $84 $874 $73
Outback 2.5I Limited $238 $358 $286 $16 $86 $984 $82
Outback 3.6R $116 $190 $264 $16 $80 $666 $56
Outback 3.6R Premium $264 $428 $286 $16 $86 $1,080 $90
Outback 3.6R Limited $338 $632 $380 $22 $114 $1,486 $124
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rates do not factor in specific location which can increase or decrease auto insurance rates noticeably.

How much more does full coverage cost in Fort Wayne?

The example below illustrates the difference between Subaru Outback insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Indiana. The data is based on no claims, a clean driving record, $1,000 deductibles, married female driver, and no discounts are applied.

When to eliminate full coverage

There isn't a steadfast formula for eliminating physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let's say your Subaru Outback claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If you are currently paying more than $500 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Raise deductibles and save

The diagram below highlights how deductible selection and can influence Subaru Outback insurance costs for different age categories. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Where to set your deductibles

One of the most common car insurance questions is where to set your physical damage deductibles. The figures shown below can help show the premium difference of buying low and high policy deductibles. The first set of prices uses a $250 deductible and the second set of rates uses a $500 deductible.

Subaru Outback insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $244 $300 $280 $16 $84 $949 $79
Outback 2.5I Premium $244 $366 $280 $16 $84 $1,015 $85
Outback 2.5I Limited $244 $366 $280 $16 $84 $1,015 $85
Outback 3.6R $244 $366 $280 $16 $84 $1,015 $85
Outback 3.6R Premium $244 $366 $280 $16 $84 $1,015 $85
Outback 3.6R Limited $272 $430 $280 $16 $84 $1,107 $92
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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 $200 $242 $280 $16 $84 $822 $69
Outback 2.5I Premium $200 $294 $280 $16 $84 $874 $73
Outback 2.5I Limited $200 $294 $280 $16 $84 $874 $73
Outback 3.6R $200 $294 $280 $16 $84 $874 $73
Outback 3.6R Premium $200 $294 $280 $16 $84 $874 $73
Outback 3.6R Limited $222 $348 $280 $16 $84 $950 $79
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can impact insurance rates noticeably.

Using the data above, we can ascertain that using a $250 deductible costs about $12 more each month or $144 each year than choosing the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 21 months between claim filings, you would probably be better off if you opt for a higher deductible.

Insurance is an important decision

Despite the fact that insurance is not cheap in Fort Wayne, paying for insurance is required for several reasons.

First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability protection if you want to drive legally. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Subaru Outback has a loan, it's most likely the lender will require you to have insurance to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the bank or lender will purchase a policy for your Subaru at a much higher premium rate and force you to pay for the much more expensive policy.

Third, insurance protects both your Subaru Outback and your assets. It will also cover hospital and medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, your insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your car are without a doubt worth the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is overpaying over $825 a year so compare rate quotes once a year at a minimum to ensure rates are inline.

Auto insurance companies are expert advertisers

Big name companies like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim about how much you will save if you change to them. Is it even possible that every company can give you a lower rate on Subaru Outback insurance in Fort Wayne? Just pay attention to how they say it.

Many companies give the cheapest rates for the type of customer that will not have excessive claims. One example of a profitable risk profile should be a female over age 40, has no driving citations, and drives less than 5,000 miles a year. A propective insured that matches those criteria will probably get cheap car insurance rates and will also save some money.

Drivers who are not a match for those criteria may be required to pay a higher premium which leads to the customer buying from someone else. The trick is to say "drivers that switch" but not "all drivers who get quotes" save that kind of money. This is how companies can make the claims of big savings.

Because of this risk profiling, it's extremely important to quote coverage with many companies. Because you cannot predict the company that will have the best Subaru Outback insurance in Fort Wayne.

Save with these discounts

Car insurance can cost a lot, but you might already qualify for some discounts that you may not even know about. Some discounts will apply at the time of quoting, but occasionally some discounts must be specifically requested in order for you to get them.Discount car insurance

As a sidenote, most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount should help lower your overall premium however.

A few of the larger companies and some of the premium reductions they offer are detailed below.

Double check with every prospective company what discounts are available to you. A few discounts may not be available in your area. If you would like to view insurance companies that offer the discounts shown above in Indiana, click here.

Exclusive and independent car insurance agents

Many people just want to talk to a local agent and that is OK! The biggest benefit of getting free rate quotes online is that you can find the best rates but also keep your business local. Supporting neighborhood agents is important especially in Fort Wayne.

Insurance agency in Fort WayneUpon completion of this form (opens in new window), your coverage information is instantly submitted to companies in Fort Wayne who will give competitive quotes for your coverage. You don't have to leave your house because prices are sent to the email address you provide. You can find the lowest rates AND a local agent. If you wish to quote rates from a specific insurance company, you just need to search and find their rate quote page and give them your coverage information.

Not all auto insurance agents are the same

When searching for a local agent, it helps to know the two different types of agents to choose from. Fort Wayne agents may be either exclusive or independent.

Independent Car Insurance Agents

These agents are not restricted to one company so they have the ability to put coverage through many different car insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply switch companies in-house which requires no work on your part.

If you need lower rates, it's recommended you include price quotes from at least one independent agent so that you can do a thorough price comparison. Most independent agents also contract with smaller mutual companies that can offer cheaper rates than bigger companies.

Shown below is a partial list of independent agencies in Fort Wayne that may be able to provide price quotes.

More insurance agents

Exclusive Agents

Exclusive agents can only quote rates from one company like American Family, State Farm, and Allstate. They generally cannot place coverage with different providers so keep that in mind. They receive a lot of sales training on their company's products which helps them sell insurance even at higher premiums. A lot of people buy from exclusive agents partially due to the prominent brand name and the convenience of having a single billing for all their coverages.

Shown below are Fort Wayne exclusive insurance agents that are able to give price quotes.

More insurance agents

Picking the best auto insurance agent shouldn't rely on just a cheap price quote. The questions below may impact your decision as well.

You are unique and your insurance should be too

When quoting and choosing insurance from an agent or online for your vehicles, there really isn't a "best" method to buy coverage. Everyone's situation is a little different.Insurance savings

Here are some questions about coverages that may help highlight whether your personal situation could use an agent's help.

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, take a second and complete this form.

Don't give up on cheaper premiums

Cheaper Subaru Outback insurance in Fort Wayne can be sourced from both online companies and from local insurance agents, so you need to shop Fort Wayne car insurance with both to get a complete price analysis. Some companies may not have internet price quotes and these regional insurance providers work with independent agencies.

When shopping online for insurance, don't be tempted to buy poor coverage just to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to find out that it was a big mistake. The aim is to get the best coverage possible at the best cost, but don't skip important coverages to save money.

Drivers switch companies for many reasons like not issuing a premium refund, delays in responding to claim requests, lack of trust in their agent and high prices. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.

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