Insurance quote for Subaru Outback in Fort CollinsConsumers who just recently started comparing car insurance rates on the internet could find locating affordable Subaru Outback insurance rates in Fort Collins to be a formidable task.

A study showed that nearly 70% of drivers kept their coverage with the same auto insurance company for four years or more, and approximately 38% of consumers have never compared quotes from other companies. The average driver in Colorado could save about $605 each year just by comparing rates, but they don't want to take the time to shop around.

Affordable Subaru insurance price quotes in Fort Collins

The auto insurance companies shown below provide free rate quotes in Colorado. If more than one company is shown, it's a good idea that you visit several of them to get the best price comparison.

Subaru Outback Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $266 $382 $338 $20 $100 $1,106 $92
Outback 2.5I Premium $294 $516 $456 $28 $136 $1,430 $119
Outback 2.5I Limited $162 $282 $368 $22 $110 $944 $79
Outback 3.6R $210 $354 $474 $28 $142 $1,208 $101
Outback 3.6R Premium $350 $458 $460 $28 $138 $1,434 $120
Outback 3.6R Limited $234 $416 $474 $28 $142 $1,294 $108
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in specific Fort Collins garaging location which can impact prices substantially.

Physical damage deductibles: Should you raise them?

A question often asked by Fort Collins drivers is how high should your deductibles be. The premium rates below can help illustrate the difference in cost of buying low and high insurance deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Subaru Outback insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $306 $376 $352 $20 $106 $1,185 $99
Outback 2.5I Premium $306 $458 $352 $20 $106 $1,267 $106
Outback 2.5I Limited $306 $458 $352 $20 $106 $1,267 $106
Outback 3.6R $306 $458 $352 $20 $106 $1,267 $106
Outback 3.6R Premium $306 $458 $352 $20 $106 $1,267 $106
Outback 3.6R Limited $342 $538 $352 $20 $106 $1,383 $115
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Subaru Outback insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $250 $304 $352 $20 $106 $1,032 $86
Outback 2.5I Premium $250 $368 $352 $20 $106 $1,096 $91
Outback 2.5I Limited $250 $368 $352 $20 $106 $1,096 $91
Outback 3.6R $250 $368 $352 $20 $106 $1,096 $91
Outback 3.6R Premium $250 $368 $352 $20 $106 $1,096 $91
Outback 3.6R Limited $278 $434 $352 $20 $106 $1,190 $99
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence coverage rates greatly.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $14 more each month or $168 every year than selecting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 18 months between claims, you would come out ahead if you choose a higher deductible.

Get Cheaper Insurance Prices by Understanding These Factors

Smart consumers have a good feel for some of the elements that go into determining your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that could result in cheaper rates. Multiple criteria are part of the equation when pricing auto insurance. Some are pretty understandable such as traffic violations, but some are not as apparent like your continuous coverage or how financially stable you are.

The list below includes a few of the "ingredients" companies use to determine your premiums.

Affordable rates with discounts

Auto insurance is neither fun to buy or cheap, but there's a good chance there are discounts that can help lower your rates. Many discounts should be triggered at quote time, but once in a while a discount must be asked for before you get the savings.Discount auto insurance

It's important to note that most of the big mark downs will not be given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.

Popular auto insurance companies and some of their more popular discounts can be read below.

Before purchasing a policy, check with every company what discounts are available to you. Some credits may not apply in your area. If you would like to choose from a list of companies offering auto insurance discounts in Colorado, click here.

Buying from car insurance agents

Many people just prefer to go talk to an agent and that can be a great decision The best thing about getting online price quotes is that you can obtain cheap insurance quotes and still buy from a local agent. And supporting neighborhood insurance agencies is especially important in Fort Collins.

Fort Collins insurance agentsUpon completion of this form (opens in new window), the coverage information is submitted to local insurance agents in Fort Collins that provide free Fort Collins auto insurance quotes for your insurance coverage. It makes it easy because there is no need to drive around because quoted prices will be sent to the email address you provide. It's the lowest rates and an insurance agent to talk to. If you wish to get a rate quote for a specific company, feel free to visit that company's website and complete a quote there.

Finding a good insurer requires you to look at more than just a low price. These are some questions your agent should answer.

Auto insurance savings promises

Auto insurance providers like GEICO, State Farm and Progressive continually stream television and radio advertisements. All the companies make an identical promise that you'll save big if you just switch to their company. Is it even possible that every company can charge you a lower premium?

Insurance companies give the best rates for a prospective insured that is profitable for them. One example of a profitable insured may be a married male, has a clean driving record, and has great credit. A propective insured that fits those parameters will probably get cheap premium rates and therefore will pay quite a bit less when switching companies.

Drivers who fall outside this stringent profile will be charged higher prices and this results in the customer buying from a different company. The ad wording is "people that switch" not "everyone who quotes" save money. That's the way companies can truthfully make claims like that.

That is why you really need to compare price quotes frequently. It's just too difficult to predict which insurance companies will fit your personal profile best.

Final considerations

As you quote Fort Collins auto insurance, it's not a good idea to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage at the best possible price while still protecting your assets.

Throughout this article, we presented some good ideas how to compare Subaru Outback insurance premium rates in Fort Collins. The key concept to understand is the more companies you get prices for, the better likelihood of getting low cost Fort Collins auto insurance quotes. Drivers may even discover the most savings is with a company that doesn't do a lot of advertising.

Drivers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, policy cancellation, poor customer service or even questionable increases in premium. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.

Additional information is available at the links below