Best Cheap Insurance for a Subaru Outback in Mississippi

Our content editors always give us grief that when writing about car insurance, the word “cheap” should never be used anywhere in the article to describe car insurance prices. Forgive the oxymoron, but cheap auto insurance for a Subaru Outback can be hard, if not impossible, to find. We’ll try to make it up to you, because we can show you some ways you can still find auto insurance that is cheaper than your current rate.

The likelihood of finding the best cheap coverage for a Subaru Outback in Mississippi is dependent upon a complex formula that factors things like your gender, if you currently have coverage, and physical damage deductibles. Mississippi drivers will pay around $1,010 a year to insure their Outback, but that rate is a projection calculated using a 40-year-old single female driver that includes full physical damage coverage and $500 physical damage deductibles.

When making auto insurance estimates, the issue arises that you may not be 40 years old (or even female), maybe you are married instead of single, and there is a good chance that other rated drivers impact the rate. Auto insurance is unique to every driver, so the only way to find cheap auto insurance rates for your Subaru is to get into the habit of shopping around regularly.

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The trim level of your vehicle will most likely have an effect on the yearly cost, so the rate you will pay to insure a Outback 2.5I will be $160 less than the insurance cost for the more well-appointed Outback 3.6R Limited model, as shown below.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific Mississippi garaging location which can lower or raise coverage rates significantly.

Finding out which companies quote the lowest-priced auto insurance rates for a Subaru Outback calls for more work in order to find the lowest price. Every insurance company has a different formula for setting prices, so we need to take a look at the auto insurance companies that tend to be cheaper in Mississippi.

We do need to point out that Mississippi auto insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Simply having another birthday, filing a claim, or getting into an accident can cause premium changes resulting in some rates now being cheaper in comparison to the competition.

Best Auto Insurance Prices for Your Subaru

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USAA may have some of the best car insurance rates in Mississippi at around $807 a year. Travelers, Unitrin, Direct General, and ALFA also qualify as some of the more affordable Mississippi car insurance companies.

In the above example, if you are insured with Travelers and switched to USAA, you might see a yearly price reduction of roughly $213. Mississippi drivers with Unitrin might save as much as $337 a year, and Direct General insureds might cut rates by $471 a year.

Remember that these prices are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a Subaru Outback. So the auto insurance company that can offer the best rates for your situation may not even be in the company chart above. That illustrates why you need to get quotes using your own personal information and vehicle type.

The illustration below highlights how deductible selection can raise or lower insurance premiums when searching for cheap insurance for a Subaru Outback. Data assumes a single male driver, comp and collision included, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3823,3483,3107,2753],[‘Age 30’, 1999,1839,1647,1463],[‘Age 40’, 1977,1805,1609,1419],[‘Age 50’, 1793,1641,1465,1299],[‘Age 60’, 1733,1587,1419,1259],[‘Age 70’, 2091,1923,1737,1561]]);var options = {title: ‘Impact of Deductibles on Subaru Outback Insurance Rates in Mississippi’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 40-year-old driver could lower their car insurance rates by $328 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $494 by using a $1,000 deductible. Young drivers, like the Age 20 chart data, could potentially save up to $1,070 or more by using a higher deductible. When using a larger deductible, it is a good idea to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Comparing rates on Outback insurance can save you money

Mississippi auto insurance rates are impacted by many factors that control the cost of your policy. Turning one year older, becoming a homeowner, or getting a few speeding tickets can produce rate changes that can now make some companies more affordable than competitors.

In addition to those changes, car insurance companies file new Mississippi car insurance rates at least once a year in order to maintain liquidity for claims. A period of higher than normal claims can cause rate increases, while a better claims history can cause lower-priced Outback insurance rates.

To illustrate this example, the bar chart below demonstrates which company has the cheapest car insurance in Mississippi for a 40-year-old male driver with no violations or accidents, and great credit. If we compare prices based on his current rating profile, USAA has the most affordable car insurance rates in Mississippi at $839 annually. This is $929 less than the average premium paid by Mississippi drivers of $1,768. Travelers, Unitrin, Direct General, and ALFA are the remaining cheapest Mississippi auto insurance companies.

google.charts.setOnLoadCallback(drawMSWitcqcibChart);function drawMSWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 839, ‘#77AF00’],[‘Travelers’, 1020, ‘#639100’],[‘Unitrin’, 1168, ‘#527800’],[‘Direct General’, 1291, ‘#446400’],[‘ALFA’, 1337, ‘#385300’]]);var options = {title: ‘Best Cheap Car Insurance for a Subaru Outback’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1437,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Let’s now give the driver from the first example a claim surcharge, slightly worse credit, and a speeding ticket. Since every car insurance company has a unique formula for determining prices, comparing rates may now present a different list of the cheapest Mississippi car insurance companies as shown below.

google.charts.setOnLoadCallback(drawMSWcqcibChart);function drawMSWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 1530, ‘#FF8500’],[‘State Farm’, 1595, ‘#D46E00’],[‘Southern Farm Bureau’, 1595, ‘#B05B00’],[‘Shelter’, 1620.3, ‘#924B00’],[‘Nationwide’, 1710.5, ‘#793E00’]]);var options = {title: ‘New Rates with Accident/Violation Surcharges’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1810.5,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Travelers now has the best auto insurance rate in Mississippi with State Farm, Southern Farm Bureau, Shelter, and Nationwide completing the list. This example illustrates why it is so important to perform a complete rate comparison to find the cheapest car insurance rates for a Subaru Outback.

Insurance prices are influenced by many factors and can change substantially, so the most economical option three years ago may now be quite expensive.

Find the best cheap insurance for a Subaru Outback in Mississippi

The list below summarizes some of the recommended penny-pinching ideas that can help you get low-cost coverage.

• Raise your deductibles
• Maintaining good credit helps earn cheaper rates
• Save money by only buying liability coverage for older vehicles
• Safe vehicles cost less to insure
• Save money by obeying traffic laws and keeping a clean driving record
• Maintain a safe distance and avoid accidents
• Shop around for lower rates once a year

The last suggestion is remarkably important, as was discussed in this article. Rates in Mississippi change constantly, so don’t be afraid to switch companies if you find a better deal.

Many drivers prefer to stick with one company, but it’s not recommended if that loyalty ends up costing thousands of dollars over the life of your policy. Spend a few minutes and compare rates to find cheaper auto insurance for a Subaru Outback.