We don’t have to tell you that auto insurance companies want to keep you from comparing prices. Consumers who shop around for cheaper rates will presumably switch companies because they have a good chance of finding a lower rate. Remarkably, a study showed that people who shopped around every year saved about $860 a year compared to policyholders who never compared other company’s rates.
If finding the cheapest rates on car insurance in Mesa is why you’re reading this, then having some insight into the best way to quote and compare insurance coverage can make shopping around easier.
If you want to save the most money, the best way to get more affordable Subaru Outback insurance in Mesa is to make a habit of regularly comparing prices from providers in Arizona.
- Step 1: Get a basic knowledge of the coverage provided by your policy and the measures you can control to lower rates. Many rating criteria that cause high rates like accidents, traffic violations, and a substandard credit score can be eliminated by making small lifestyle or driving habit changes.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple insurance companies. View rates
- Step 3: Compare the new quotes to the price on your current policy and see if there is a cheaper rate in Mesa. If you find better rates and change companies, make sure there is no lapse in coverage.
- Step 4: Notify your company or agent to cancel your current coverage. Submit payment and a signed application to your new insurance company. Make sure you keep the new certificate of insurance in a readily accessible location in your vehicle.
The most important part of shopping around is to make sure you’re comparing the same amount of coverage on every price quote and and to compare as many carriers as you can. Doing this helps ensure the most accurate price comparison and the best price quote selection.
If you are already insured, you stand a good chance to be able to cut your premiums using the concepts you’re about to learn. Getting quotes for the best-priced insurance coverage in Mesa is easy to do. But Arizona vehicle owners must learn the way insurance companies market insurance on the web because it varies considerably.
Analysis of coverages
The price information below highlights estimates of rate quotes for Subaru Outback models. Learning how car insurance prices are calculated is important for drivers to make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $224 | $314 | $338 | $20 | $102 | $998 | $83 |
| Outback 2.5I Premium | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| Outback 2.5I Limited | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| Outback 3.6R | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| Outback 3.6R Premium | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| Outback 3.6R Limited | $250 | $450 | $338 | $20 | $102 | $1,160 | $97 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in vehicle garaging location which can impact rates noticeably.
Raise deductibles and save
One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The following insurance rates show the rate difference when you buy lower versus higher insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $292 | $382 | $300 | $18 | $90 | $1,107 | $92 |
| Outback 2.5I Premium | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Outback 2.5I Limited | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Outback 3.6R | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Outback 3.6R Premium | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Outback 3.6R Limited | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $162 | $202 | $300 | $18 | $90 | $772 | $64 |
| Outback 2.5I Premium | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Outback 2.5I Limited | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Outback 3.6R | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Outback 3.6R Premium | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Outback 3.6R Limited | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Information does not factor in Mesa location which can increase or decrease rates substantially.
Using the premium rates above, we can conclude that using a $100 deductible costs roughly $32 more each month or $384 every year than selecting 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 usually have at a minimum 28 months between claim filings, you would probably come out ahead if you decide on a higher deductible. The numbers below show a better example of how this calculation is made.
| Average monthly premium for $100 deductibles: | $100 |
| Average monthly premium for $1,000 deductibles (subtract): | – $68 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 28 months |
Tickets and at-fault accidents raise rates
The diagram below demonstrates how speeding tickets and accidents drive up Subaru Outback insurance rates for different age groups. Data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Companies offer money-saving discounts on Subaru Outback insurance in Mesa
Some providers don’t necessarily list the complete list of policy discounts very well, so the following is a list of a few of the more well known and also the more inconspicuous credits available to you.
- Federal Employees – Active or former government employment can save as much as 8% with a few auto insurance companies.
- No Claim Discounts – Drivers who don’t have accidents can save substantially as opposed to bad drivers.
- Anti-lock Brakes – Cars with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
- Paperwork-free – A handful of insurance companies will give you a small discount for buying your policy on your computer.
- Drivers Education – Teen drivers should participate in a local driver’s education class in school or through a local driver safety program.
- New Vehicle Savings – Buying a new car instead of a used Outback can save up to 30% because newer models have to meet stringent safety requirements.
- Low Miles Discount – Driving less could earn substantially lower rates.
- Student Discounts – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle up could cut 10% or more off PIP or medical payments premium.
Policy discounts save money, but some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.
The information below compares Subaru Outback insurance prices with and without discounts applied to the policy premium. The costs are based on a male driver, no driving violations, no at-fault accidents, Arizona 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 homeowner, marriage, multi-policy, safe-driver, claim-free, and multi-car discounts applied.
Larger auto insurance companies and some of their more popular discounts are outlined below.
- State Farm has savings for good driver, multiple autos, safe vehicle, passive restraint, Drive Safe & Save, good student, and driver’s education.
- Progressive may offer discounts for online quote discount, continuous coverage, homeowner, multi-vehicle, online signing, multi-policy, and good student.
- Travelers may include discounts for hybrid/electric vehicle, continuous insurance, home ownership, student away at school, early quote, new car, and IntelliDrive.
- American Family offers discounts including early bird, Steer into Savings, bundled insurance, good driver, accident-free, and good student.
- Liberty Mutual includes discounts for newly retired, safety features, multi-policy, good student, and teen driver discount.
Check with all companies you are considering which discounts you may be entitled to. Some discounts listed above may not apply in your state. To see a list of insurers that can offer you the previously mentioned discounts in Arizona, click here to view.
The coverage is in the details
Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Comprehensive (Other than Collision)
This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Auto liability insurance
This coverage will cover damage that occurs to other people or property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 15/30/10 that translate to a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against claims such as loss of income, medical services, bail bonds and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford. Arizona state minimum liability requirements are 15/30/10 but you should think about purchasing better liability coverage.
The illustration below demonstrates why buying low liability limits may not be high enough to adequately cover claims.
Protection from uninsured/underinsured drivers
This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Outback.
Since many Arizona drivers only purchase the least amount of liability that is required (Arizona limits are 15/30/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, hospital visits, pain medications and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Collision coverage
This coverage covers damage to your Outback resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like driving through your garage door, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible on your Outback to save money on collision insurance.
Ratings for Arizona car insurance companies
Ending up with the top car insurance provider is hard considering how many different companies insure vehicles in Mesa. The rank data below may help you decide which coverage providers you want to consider shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
What is YOUR best insurance company?
Insureds switch companies for a number of reasons such as policy cancellation, poor customer service, high prices or even policy non-renewal. Whatever your reason, finding a great new company is easier than you think.
Some insurance providers may not offer online price quotes and these regional insurance providers only sell through local independent agencies. Budget-friendly car insurance in Mesa is possible online and from local insurance agents, and you need to price shop both to have the best selection.
Throughout this article, we presented a lot of techniques to find cheaper Subaru Outback insurance in Mesa. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the lowest prices come from some of the smallest insurance companies.
More detailed car insurance information can be found at these sites:
- Information for Teen Drivers (GEICO)
- Who Has Cheap Mesa Car Insurance for Handicapped Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers with a DUI in Mesa? (FAQ)
- Who Has the Cheapest Mesa Car Insurance Rates for First-time Drivers? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Company Car in Mesa? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Senior Drivers (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- How to Avoid Staged Accidents (State Farm)