Who Has Cheap Auto Insurance for a Subaru Outback in Jersey City?

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Subaru Outback insurance
Subaru Outback insurance image courtesy of QuoteInspector.com

Finding competitive car insurance for a Subaru Outback in New Jersey is pretty easy to do, but it is dependent upon a whole bunch of factors such as whether you are male or female, whether you are claim-free, and driving citations. Drivers pay approximately $1,330 a year for Outback insurance, but that amount is an estimation based on a 30-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.

The issue that arises when projecting rates is that it's very likely that you are not 30 and maybe not even a male, maybe you are married instead of single, and maybe you want higher deductibles. Having just a slight change in rating criteria or coverage limits may result in significant differences in the amount insurance costs for a Subaru Outback.

Everone's needs are different, and this illustrates why the way we recommend to find cheap car insurance rates for your Subaru is to put in the effort to do a thorough rate comparison.

View Subaru Outback Insurance Rates

The specific trim level will most likely have an effect on the coverage cost, so the price you will be charged to insure a Outback 2.5I model will be $172 lower than the insurance cost for the higher-end Outback 3.6R Limited version, as shown below.

Subaru Outback Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $296 $324 $630 $38 $188 $1,476 $123
Outback 2.5I Premium $296 $394 $630 $38 $188 $1,546 $129
Outback 2.5I Limited $296 $394 $630 $38 $188 $1,546 $129
Outback 3.6R $296 $394 $630 $38 $188 $1,546 $129
Outback 3.6R Premium $296 $394 $630 $38 $188 $1,546 $129
Outback 3.6R Limited $328 $464 $630 $38 $188 $1,648 $137
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific location which can increase or decrease premiums significantly.

Finding decent, low-priced car insurance is confusing at best, and determining which company quotes the cheapest insurance rates for a Subaru Outback calls for even more shopping around. Each auto insurer has a proprietary formula to set their prices, so we need to take a look at the lowest cost insurance companies in Jersey City.

It's important to know that Jersey City insurance rates are influenced by many factors that may substantially change the policy price. This price variation is why consumers need to take the time to compare as many rates as possible to find the most budget-friendly auto insurance quotes for a Subaru Outback. Rates are influenced by many factors and change dramatically, so the lowest-price company when you last compared rates may now be costing you a lot of money.

Lowest Insurance Price Quotes for Your Subaru

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21st Century generally has some of the most affordable car insurance rates in Jersey City at around $1,100 annually. This is $752 less than the average rate paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are also some of the cheapest Jersey City, NJ insurance companies.

In this example, if you currently buy coverage from New Jersey Manufacturers and switched to 21st Century, you might see a yearly savings of approximately $171. New Jersey drivers with Penn National may save as much as $266 a year, and Palisades policyholders might reduce prices by as much as $295 a year.

To find cheaper insurance rates for your vehicle, click here or visit any of the companies below.

Remember that these policy rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration an exact zip code location for a Subaru Outback. So the auto insurance company that is best suited for you may not even be in the list above. That emphasizes why you need to quote rates from many companies using your own specific driver and vehicle information.

Impact of careless driving on Jersey City insurance rates

The easiest method to score the best insurance premiums in Jersey City for an Outback is to be a cautious driver and not have accidents or get tickets. The information below shows how violations and accidents can increase insurance costs for different age categories. Data assumes a married female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of car insurance in Jersey City per year with no accidents or violations is $2,095. Add in two speeding tickets and the average cost swells to $2,974, an increase of $878 each year. Then include one accident along with the two speeding tickets and the annual cost of insurance for a Subaru Outback goes up to an average of $3,848. That's an increase of $1,753, or $146 per month, just for not driving responsibly!

Full coverage versus liability only rates

Reducing the cost of insurance is probably important to most people, and a good way to buy cheap insurance for a Subaru Outback is to not pay for full coverage. The illustration below illustrates the difference between insurance premiums with liability coverage only compared to full coverage. The data assumes a clean driving record, no claims, $500 deductibles, drivers are not married, and no policy discounts are applied.

As an overall average, full coverage costs an additional $2,553 per year over and above liability coverage. Many people question if full coverage is worth the money. There is no clear-cut rule that works best for making the decision to drop comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

Why you should be shopping around

Jersey City insurance rates are based on many factors that will increase or decrease the price of your policy. Improving your credit rating, buying higher coverage limits, or getting caught speeding may cause policy rate changes that can make some companies cheaper than before. Not only may your risk profile change, but car insurance companies change premium rates as often as every quarter in order to maintain liquidity for claims. Significantly higher claims may cause more expensive prices, while lower claim levels may cause lower-priced Outback insurance rates.

As an example, the bar chart below shows rates for the cheapest car insurance in Jersey City, NJ for a 40-year-old female driver with no prior accidents, a clean driving record, and excellent credit. When comparing rates based on her current risk profile, 21st Century may offer the best car insurance rates in Jersey City at $1,495 per year. This is $357 less than the average rate paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are the remaining cheapest Jersey City, NJ auto insurance companies.

Let's now give the driver from the first rate comparison a claim surcharge, a lower credit rating, and a speeding ticket. Because each insurer has a proprietary formula for setting rates, analyzing rates could result in a new list of affordable companies as shown below.

The Hartford now has the cheapest auto insurance in Jersey City, NJ with Allstate, USAA, Mercury, and New Jersey Manufacturers now being in the top five. This example shows why it is crucial to compare rates to get affordable auto insurance quotes for a Subaru Outback.

Insurance rates are calculated by many different factors and change dramatically, so the best option a year ago may now be priced much higher than other options.

How to find cheaper insurance for a Subaru Outback

It's not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help Jersey City drivers find low-cost coverage.

That last tip is particularly vital, as was affirmed in this write-up. Car insurance prices adjust often, so you should be ready to buy a policy from a new company if a better rate can be found. Staying with the same car insurance company is fine, but it's not recommended if that faithfulness ends up costing you thousands of dollars over the life of your policy. In just a couple of minutes you could compare rates to find cheaper car insurance for a Subaru Outback in Jersey City.