Cheap Insurance Quotes for a Subaru Outback in Oregon

Because the topic is car insurance, the word affordable really should not be used anywhere to describe car insurance rates. It’s just a fact that cheap car insurance for a Subaru Outback is not always easy to find. But don’t despair, because we are going to show you how you can still find and buy insurance that you can afford.

Your ability to find the cheapest insurance for a Subaru Outback in Oregon depends upon dozens of factors like your birth date, your current insurance company, and deductibles for comprehensive and collision coverage. Drivers in Oregon pay on average $770 every 12 months to buy Subaru Outback insurance, but that rate is an estimation that rates a 50-year-old single female that purchased full coverage and $1,000 deductibles.

There’s a high likelihood you are not 50 years old and maybe not even female, married instead of single, or maybe you just want liability only instead of full coverage. Having different needs demonstrates why the best method for finding cheap insurance rates for your Subaru is to just compare rates yourself. It’s really quite easy you will receive rate quotes from some of the cheapest companies that insure Subaru vehicles in Oregon.

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The specific trim level impacts the insurance rate, so the price you pay to insure a Outback 2.5I will be $108 cheaper than the price to insure the higher-priced Outback 3.6R Limited trim level, as shown below.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in specific location which can impact coverage prices substantially.

Choosing a good quality car insurance company can be difficult considering how many choices there are in Oregon. The ranking data shown next can help you select which car insurance companies you want to consider purchasing a policy from. These ratings only include the largest companies in America, so smaller companies that only insure vehicles in Oregon are not taken into consideration for the list.

Get discounts on Oregon auto insurance rates

Insurers that offer cheap insurance for a Subaru Outback in Oregon may also offer special discounts that may potentially lower prices by 40% or more if you meet specific eligibility requirements. A few of the larger companies and a summarized list of policyholder discounts can be read below.

• State Farm offers discounts for Drive Safe & Save, multiple autos, multiple policy, passive restraint, student away at school, and defensive driving training.
• Farmers Insurance may have discounts that include alternative fuel, youthful driver, bundle discounts, mature driver, and business and professional.
• GEICO policyholders can earn discounts including membership and employees, air bags, emergency military deployment, military active duty, and daytime running lights.
• American Family may include discounts for Steer into Savings, multi-vehicle, good student, TimeAway discount, early bird, accident-free, and good driver.
• Nationwide includes discounts for family plan, good student, accident-free, multi-policy, anti-theft, and business or organization.
• Progressive discounts include continuous coverage, good student, homeowner, multi-vehicle, multi-policy, and online quote discount.

The chart below shows the difference between annual premium costs with and without discounts applied to the rates. The price estimates are based on a female driver, no tickets, no at-fault accidents, Oregon state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, safe-driver, accident-free, vehicle safety, marriage, and anti-theft discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a Subaru Outback is 28% or $456.

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Cost difference between full coverage and liability

Finding cheap insurance for a Subaru Outback in Oregon should be important to most drivers, and one of the fastest ways to save on the cost of insurance is to not buy comprehensive and collision coverage. The diagram below shows the comparison of auto insurance rates with and without full coverage. The information is based on no claims or violations, $100 deductibles, marital status is single, and no policy discounts are applied.

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Averaged for all age groups, physical damage coverage on your policy costs an extra $2,218 per year over liability only. Lot’s of drivers question if paying for full coverage is a waste of money. There is no definitive guideline for dropping full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

Does Progressive, Geico, State Farm, or Allstate have the cheapest car insurance?

When comparing insurance for an Outback in Oregon, the most popular companies are Progressive, Geico, State Farm, and Allstate. All offer liability and physical damage insurance, but each one has unique features and discounts that may influence which company you choose. The table below rates some of the different features offered by each one.