Who Has the Cheapest Insurance Quotes for a Subaru Outback in New Hampshire?

The chances of finding cheap auto insurance for a Subaru Outback in New Hampshire hinges on dozens of factors like miles driven annually, whether or not you have prior claims, and your choice of deductibles. New Hampshire drivers pay approximately $720 annually to insure an Outback, but that figure is an estimation rating a 40-year-old single male driver that included full physical damage coverage and $500 deductibles.

Chances are that rate is not what you would pay, because most likely you are not 40 and possibly not even male, possibly married instead of single, and there is a good chance that you need different coverage limits than the exampe. Auto insurance is not the same for everyone, so the best method for finding the most affordable coverage for your Subaru is to just compare rates yourself.

View Subaru Outback Insurance Rates

The trim level of your Outback will influence the coverage cost, so the rate you pay to insure a Outback 2.5I trim level will be $122 cheaper than the cost to insure the more well-appointed Outback 3.6R Limited version, as shown below.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in New Hampshire location which can affect prices considerably.

Finding low-priced auto insurance is hard enough, and finding out which companies quote the lowest-priced insurance rates for a Subaru Outback requires even more diligence.

Every insurance provider has a proprietary formula to determine rates, so we’ll take a look at the most competitive insurance companies in New Hampshire. It’s important that readers know that New Hampshire insurance rates are impacted by many factors which can significantly increase or decrease the price you pay. Improving your credit score, adding a teenager to your policy, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being more expensive than before.

Best Insurance Companies for Your Subaru

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Concord generally has some of the best car insurance rates in New Hampshire at around $712 per year. Travelers, Patriot, USAA, and Vermont Mutual also are some of the cheapest New Hampshire car insurance companies.

As the example above demonstrates, if you are a customer of USAA and switched to Concord, you may see an annual savings of upwards of $133. Insureds with Vermont Mutual might save as much as $179 a year, and Amica insureds might realize rate reductions of up to $204 a year.

To find the cheapest insurance for a Subaru Outback in New Hampshire for your vehicle, click here to get a free quote or visit any of the low-priced companies below.

Remember that these policy prices are averaged across all types of insureds and vehicles and and are not figured with a specific rate factor for a Subaru Outback. So the insurer that can offer you the best rate may not even be in the company chart above. That underscores the importance of why you need to quote rates from many companies using your own individual information.

The information below illustrates how your deductible choice can increase or decrease premium costs when trying to find cheap insurance for a Subaru Outback. The prices are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

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A 30-year-old driver could lower their policy premium by $228 a year by increasing from a $100 deductible up to a $500 deductible, or save $346 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, have the ability to save as much as $680 annually just by choosing higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it is essential to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Comparison of full coverage and liability-only policies

Finding the cheapest insurance for a Subaru Outback in New Hampshire is probably important to most people, and one common way to lower the cost of insurance is to only buy liability coverage. The chart below compares insurance prices with and without physical damage coverage. The premiums are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are applied to the premium.

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If we average the cost for all age groups, comprehensive and collision coverage on your policy costs $1,356 per year more than just buying liability insurance. That brings up the question if it’s a good idea to buy full coverage. There is no clear-cut formula of when to eliminate physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your vehicle’s book value is $5,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,500 after paying your policy deductible. If you are paying in excess of $450 annually to have full coverage, then it might be time to buy liability only.

There are a few situations where eliminating full coverage is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

State Farm, Progressive, Allstate, or Geico: Who is best?

When comparing rates for insurance for an Outback, the companies that insure more vehicles than anyone else are State Farm, Progressive, Allstate, and Geico. When combined, they make up over 45% of the car insurance market in the United States. The following table compares and contrasts some of the different options that policyholders can buy.