Searching for more competitive Subaru Outback insurance in Colorado Springs? I really doubt anyone looks forward to paying for auto insurance, especially when they are aware that they could lower their rates if they shopped around.

Insurance for Subaru OutbackA study showed that nearly 70% of consumers kept buying from the same company for at least four years, and practically 40% of auto insurance customers have never taken the time to shop around. Many consumers in Colorado can save hundreds of dollars each year just by shopping around, but most undervalue how much money they would save if they switch to a new company.

With so many online and local companies to choose from, it is hard for the average consumer to locate the most cost effective insurance company.

It is always a good idea to compare prices at least once a year because prices fluctuate regularly. Even if you got the best rates on Subaru Outback insurance in Colorado Springs on your last policy there may be better deals available now. There is too much inaccurate information about Outback insurance on the internet, but I'm going to show you a bunch of ideas how to save money.

These tips will teach you a little about how to get online quotes and some money-saving tips. If you currently have car insurance, you will be able to cut your premiums using the following tips. But Colorado drivers do need to understand how big insurance companies determine how much to charge and use this information to your advantage.

Finding Subaru Outback insurance in Colorado Springs, Colorado

When comparing auto insurance rates, know that comparing all the rates in your area will increase your chances of finding better pricing. Not every company allows you to get price estimates online, so you should also compare price estimates from them as well.

The companies shown below can provide quotes in Colorado Springs, CO. If multiple companies are listed, we suggest you visit two to three different companies to get the cheapest price.

Subaru Outback Insurance Estimates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $186 $272 $426 $26 $128 $1,038 $87
Outback 2.5I Premium $162 $282 $396 $24 $118 $982 $82
Outback 2.5I Limited $388 $546 $460 $28 $138 $1,560 $130
Outback 3.6R $350 $458 $460 $28 $138 $1,434 $120
Outback 3.6R Premium $388 $546 $460 $28 $138 $1,560 $130
Outback 3.6R Limited $278 $434 $352 $20 $106 $1,190 $99
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in specific garaging location which can change auto insurance rates greatly.

How accidents and violations affect rates in Colorado Springs

The information below shows how violations and fender-benders can raise Subaru Outback insurance costs for different ages of insureds. The prices are based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Deductible comparison

One frequently asked question is how high should the deductibles for physical damage be. The following insurance rates highlight the cost difference when you buy lower versus higher policy deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Subaru Outback insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $342 $448 $352 $20 $106 $1,293 $108
Outback 2.5I Premium $342 $546 $352 $20 $106 $1,391 $116
Outback 2.5I Limited $342 $546 $352 $20 $106 $1,391 $116
Outback 3.6R $342 $546 $352 $20 $106 $1,391 $116
Outback 3.6R Premium $342 $546 $352 $20 $106 $1,391 $116
Outback 3.6R Limited $380 $644 $352 $20 $106 $1,527 $127
Get Your Own Custom Quote Go
Subaru Outback insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $190 $236 $352 $20 $106 $904 $75
Outback 2.5I Premium $190 $288 $352 $20 $106 $956 $80
Outback 2.5I Limited $190 $288 $352 $20 $106 $956 $80
Outback 3.6R $190 $288 $352 $20 $106 $956 $80
Outback 3.6R Premium $190 $288 $352 $20 $106 $956 $80
Outback 3.6R Limited $210 $340 $352 $20 $106 $1,028 $86
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific Colorado Springs garaging location which can increase or decrease auto insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $37 more each month or $444 each year than quoting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 24 months between claim filings, you would probably be better off if you elect the higher deductible.

Why you need to buy car insurance

Even though it's not necessarily cheap to insure a Subaru in Colorado Springs, insuring your vehicle is required for several reasons.

The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. The average driver in America is overpaying more than $850 per year so smart consumers compare quotes at every renewal to ensure rates are inline.

Advertising and car insurance

Respected companies like 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. They all seem to tend to make the same promise that drivers can save some big amount if you get a free Colorado Springs auto insurance quote and switch to their company. That's great but how can every company charge you a lower premium? Here is how they do it.

Different companies give the best rates for the type of driver that makes them money. An example of this type of risk profile might be described as between 25 and 40, has no tickets, and drives less than 10,000 miles a year. Someone who fits that profile will probably get the lowest premium rates and therefore will save some money.

Insureds who cannot meet the requirements will see a more expensive rate which translates to the customer not purchasing. If you pay close attention to the ads, they say "drivers that switch" not "everyone that quotes" save that much. That's the way insurance companies can confidently state the savings.

This emphasizes why you should compare as many free Colorado Springs auto insurance quotes as you can. It's just too difficult to predict which insurance companies will have the lowest rate quotes.

Check for these discounts

Insurance can cost an arm and a leg, but companies offer discounts to reduce the price significantly. Some discounts will apply at quote time, but a few need to be requested specifically before they will apply.Save money with discounts

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, car insurance companies aren't that generous.

Larger car insurance companies and some of the premium reductions they offer are:

When quoting, ask each company or agent what discounts are available to you. Some credits may not be available in Colorado Springs.

Local agents and insurance

A lot of people would rather buy from a licensed agent and that can be a great decision One of the great benefits of comparing insurance online is you may find better rates but also keep your business local. Supporting local insurance agencies is definitely important in Colorado Springs.

To make it easy to find an agent, after completing this simple form, the coverage information is sent to local insurance agents in Colorado Springs that give free quotes to get your business. It simplifies rate comparisons since you won't have to do any legwork since rate quotes are delivered to you directly. You can find lower rates and a licensed agent to work with. If you want to get a comparison quote from a particular provider, just go to their quote page to submit a rate quote request.

Is an exclusive or independent auto insurance agent right for you?

When looking for a reputable insurance agent or broker, you must know there are a couple types of insurance agents and how they differ in how they quote coverages. Insurance agents in Colorado Springs can be categorized as either independent (non-exclusive) or exclusive.

Independent Agents

Agents of this type are not locked into one company so they can quote policies with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you won't have to switch agencies. When shopping rates, you definitely need to compare quotes from multiple independent agents to have the best price comparison.

Featured below is a list of independent agents in Colorado Springs that may be able to provide free rate quotes.

5585 Erindale Dr #107 - Colorado Springs, CO 80918 - (719) 528-1884 - View Map

2850 Serendipity Cir W #230 - Colorado Springs, CO 80917 - (719) 574-0082 - View Map

1837 Austin Bluffs Pkwy #101 - Colorado Springs, CO 80918 - (719) 268-1300 - View Map

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Exclusive Agents

Agents that choose to be exclusive write business for a single company like State Farm or Allstate. They usually cannot shop your coverage around so always compare other rates. These agents are well trained in insurance sales which helps them sell insurance even at higher premiums.

The following are exclusive agents in Colorado Springs willing to provide rate quotes.

76 S Sierra Madre St b - Colorado Springs, CO 80903 - (719) 471-9271 - View Map

3993 Academy Blvd N - Colorado Springs, CO 80917 - (719) 596-8800 - View Map

11550 Ridgeline Dr #118 - Colorado Springs, CO 80921 - (719) 599-8200 - View Map

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Selecting an auto insurance agent should depend on more than just the price. These are some questions your agent should answer.

One last thing to lower rates

When trying to cut insurance costs, make sure you don't skimp on coverage in order to save money. There have been many situations where someone sacrificed physical damage coverage only to find out that the small savings ended up costing them much more. Your goal is to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

Cheaper insurance in Colorado Springs is attainable both online and with local Colorado Springs insurance agents, and you need to price shop both to have the best selection. Some insurance providers may not have the ability to get quotes online and many times these regional carriers sell through independent agents.

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