How to Compare Henderson Subaru Outback Insurance

Remarkably, a study showed that most auto insurance customers have stayed with the same insurance company for a minimum of four years, and roughly 40% of drivers have never compared rates from other carriers. Many drivers in Nevada could pocket almost $545 a year just by shopping around, but they don’t know the actual amount they would save if they swap their current policy for a cheaper one.

The preferred way to get discount auto insurance rates in Henderson is to start comparing prices yearly from different companies who sell insurance in Nevada. You can compare rates by following these guidelines.

First, spend some time learning about the coverage provided by your policy and the factors you can control to prevent expensive coverage. Many things that result in higher prices such as accidents, traffic violations, and a bad credit score can be amended by making lifestyle changes or driving safer. This article gives more information to help prevent high rates and get bigger discounts that may have been overlooked.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while independent agencies can quote prices from multiple insurance companies. Start a quote

Third, compare the new rates to the premium of your current policy and determine if there is any savings. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, provide written notification to your current company to cancel your current auto insurance policy. Submit payment and a completed application to your new agent or company. As soon as you have the new policy, place the new certificate verifying proof of insurance somewhere easily accessible.

An important note is to try to compare the same liability limits and deductibles on every quote and and to get rate quotes from as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and many rates to choose from.

The purpose of this article is to familiarize you with how auto insurance companies operate and how to save the most money. If you’re already insured, you will definitely be able to lower your rates using this strategy. Consumers just have to know the tricks to buy insurance from many different companies.

Get affordable rates by applying discounts

Insurance is easily one of your largest bills, but you might find some hidden discounts that can dramatically reduce your bill. Certain reductions will be credited at quote time, but a few must be inquired about before you get the savings.

• Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and earn discounts up to 10%.
• Seat Belts Save – Forcing all vehicle occupants to buckle their seat belts could save 15% off the PIP or medical payment premium.
• Memberships – Having an affiliation with a qualifying organization is a simple method to lower premiums when getting a Henderson auto insurance quote.
• Early Switch Discount – Some larger companies provide a discount for signing up prior to your current Outback insurance policy expiring. You may see this discount when you get Henderson auto insurance quotes online.
• Claim Free – Insureds who avoid accidents and claims have much lower rates when compared to drivers with a long claim history.
• Fewer Miles Equal More Savings – Maintaining low annual mileage may enable drivers to earn substantially lower insurance rates.
• Mature Driver Discount – Drivers over the age of 55 can get a discount up to 10%.
• Student Discount for Driver Training – Have your child enroll in driver’s education if offered at their school.
• Discount for Life Insurance – Some insurance companies give better prices if you take out some life insurance in addition to your auto policy.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will positively reduce the amount you pay for coverage.

The diagram below illustrates the difference between Subaru Outback insurance premiums with and without discounts being applied to the rates. The premiums assume a male driver, no claims or driving violations, Nevada state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, multi-policy, homeowner, and safe-driver discounts applied.

A partial list of companies that may offer quotes with these discounts possibly include:

• State Farm
• Farmers Insurance
• GEICO
• American Family
• Nationwide
• Progressive

When comparing rates, check with every company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your state. To see providers that have a full spectrum of discounts in Nevada, follow this link.

Shop Subaru Outback insurance online

The companies shown below provide free rate quotes in Nevada. If multiple companies are listed, it’s a good idea that you visit as many as you can to get the most competitive price.

Subaru Outback coverage analysis

The information below covers estimates of coverage costs for Subaru Outback models. Understanding how auto insurance prices are figured can be of help when making decisions when choosing a new policy provider.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in garaging location in Henderson which can lower or raise coverage rates greatly.

Can higher deductibles save money?

One of the hardest decisions when shopping for insurance is how high should the physical damage deductibles be. The rates below can help illustrate the rate fluctuation between low and high physical damage coverage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Information does not factor in specific zip code location which can revise price quotes significantly.

We can estimate from the data above that using a $250 deductible costs roughly $23 more each month or $276 annually averaged for all Outback models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 33 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Safe drivers pay cheaper rates

The illustration below demonstrates how citations and at-fault accidents raise Subaru Outback auto insurance costs for each age group. The information is based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.

The Subaru Outback Insurance Premium Equation

Multiple criteria are used when pricing auto insurance. Some are pretty understandable like an MVR report, but others are not quite as obvious like your continuous coverage or your vehicle rating.

Listed below are some of the most rate-impacting factors that factor into your premiums.

• Do you really need the add-on coverages? – Insurance policies have a lot of additional extra coverages that you can buy on your auto insurance policy. Coverages like rental car reimbursement, high-cost glass coverage, and term life insurance may be wasting your money. They may seem good when buying your policy, but if you’ve never needed them in the past remove them and pocket the money.
• Never let your auto insurance policy lapse – Driving any period of time without insurance is not a good idea and as a result your rates will increase for letting your insurance expire. In addition to paying higher rates, the inability to provide proof of insurance can result in a steep fine or even jail time.
• Being married reduces risk – Being married may cut your premiums compared to being single. Having a significant other means you’re less irresponsible and insurance companies like that married drivers get in fewer accidents.
• Reduce auto insurance rates by staying claim free – If you frequently file small claims, you can expect much higher rates or policy non-renewal. Auto insurance companies in Nevada award lower rates to insureds who are claim-free. Your car insurance is intended for major claims that would cause financial hardship.

• Subaru Outback insurance claim data – Car insurance companies include the past claim history for a vehicle when they calculate premium costs for each model. Models that have a trend towards higher claim severity or frequency will cost more to insure. The table below demonstrates the historical loss data for Subaru Outback vehicles.

  For each coverage category, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Percentages below 100 suggest a positive loss record, while percentage numbers above 100 show a trend for more claims or an increased likelihood of larger losses.

  
  

  Car Insurance Loss Data for Subaru Outback Models

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Subaru Outback 4WD	58	68	106	63	64	68
  Subaru Outback with Eyesight 4WD	57	46	106	61	58	40

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Buying auto insurance from Henderson car insurance agents

A lot of people just want to go talk to an agent and doing that can be a smart decision Good insurance agents can point out coverage gaps and help file insurance claims. The biggest benefit of price shopping on the web is that you can obtain cheap auto insurance rates and also buy local. Supporting local insurance agencies is important especially in Henderson.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is sent to local insurance agents who will give you quotes and help you find cheaper coverage. There is no reason to contact any insurance agencies because prices are sent directly to you. If you need to compare rates for a specific company, you just need to visit that company’s website and fill out their quote form.

If you want to use a local Henderson insurance agent, it helps to know the two different types of agencies to choose from. Auto insurance policy providers are either independent agents or exclusive agents. Both types can handle auto insurance, but it is a good idea to know the difference in how they write coverage since it can affect which type of agent you select.

Independent Agencies or Brokers

Independent agencies are not limited to a single company so as a result can place your coverage with an assortment of companies and potentially find a lower price. To move your coverage to a new company, your policy is moved internally and you stay with the same agent.

When comparison shopping, we recommend you get quotes from several independent agencies to maximize your price options. Most can insure with small mutual carriers that may have much lower rates than larger companies.

The following are Henderson independent insurance agencies who can help you get free price quotes.

• Carl R Forman Insurance Agency
  70 E Horizon Ridge Pkwy – Henderson, NV 89002 – (702) 732-7675 – View Map
• Centurion Insurance Services
  1399 Galleria Dr #201 – Henderson, NV 89014 – (702) 871-0001 – View Map
• All Star Insurance Agency
  10120 S. Eastern Ave, Suite 200 – Henderson, NV 89052 – (702) 660-6618 – View Map

More insurance agents

Exclusive Auto Insurance Agents

These type of agents write business for a single company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to provide other company’s prices so always compare other rates. Exclusive insurance agents are trained well on their products and sales techniques which helps them sell on service rather than price. Drivers often buy from exclusive agents mainly due to the prominent brand name and the convenience of having a single billing for all their coverages.

Below are exclusive insurance agencies in Henderson willing to provide price quote information.

• Farmers Insurance – Randy Sagastume
  180 S Stephanie St #120 – Henderson, NV 89012 – (702) 435-6716 – View Map
• State Farm: Carl Endorf
  120 S Green Valley Pkwy #164 – Henderson, NV 89012 – (702) 834-7070 – View Map
• Brendon Walker – State Farm Insurance Agent
  4027 E Sunset Rd – Henderson, NV 89014 – (702) 456-6791 – View Map

More insurance agents

Finding the right insurance agency requires more thought than just a cheap quote. These are valid questions to ask:

• Can glass repairs be made at your home?
• Will high miles depreciate repair valuations?
• Do they receive special compensation for putting your coverage with one company over another?
• What will you get paid if your car is a total loss? How is that amount determined?
• Do they have 24-hour customer assistance?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Does their agency support local causes in Henderson?

Why do I need car insurance?

Despite the potentially high cost of Subaru Outback insurance, insurance is required in Nevada but also provides important benefits.

• Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability insurance coverage in order to drive the car. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your Subaru, almost every bank will make it mandatory that you carry insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may insure your Subaru at a more expensive rate and force you to pay the higher premium.
• Insurance protects both your Subaru and your personal assets. It will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If you have damage to your Subaru as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Outback definitely exceed the cost, particularly for liability claims. But the average American driver is currently overpaying as much as $865 each year so you should quote rates at least once a year to ensure rates are competitive.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best possible price.

People switch companies for a variety of reasons including high rates after DUI convictions, high prices, lack of trust in their agent or extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new auto insurance company is easier than you think.

We’ve covered quite a bit of information on how to get a better price on Subaru Outback insurance in Henderson. The key concept to understand is the more you quote Henderson auto insurance, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from the least-expected company.

Even more information can be read by following these links:

• Teen Driving and Texting (State Farm)
• Who Has the Cheapest Henderson Car Insurance Rates for a Honda CR-V? (FAQ)
• Who Has the Cheapest Auto Insurance for College Students in Henderson? (FAQ)
• Tread Depth and Tire Safety (State Farm)
• Frontal Crash Tests (iihs.org)