Auto Insurance Quotes for a Subaru Outback in Jersey City

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Discount Subaru Outback insuranceIf you want to save money, the best way to find discount auto insurance rates is to compare prices at least once a year from insurance carriers who provide car insurance in Jersey City.

Step 1: Try to learn about how insurance companies determine prices and the measures you can take to drop your rates. Many rating factors that cause high rates like traffic tickets, fender benders, and a negative credit rating can be improved by being financially responsible and driving safely. Later in this article we will cover additional ideas to help keep rates affordable and find more discounts that you may not know about.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can quote prices for many different companies.

Step 3: Compare the new rate quotes to your existing policy and see if you can save money. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Provide notification to your current company to cancel your existing policy. Submit a signed application and payment to the newly selected company. As soon as coverage is bound, keep your new proof of insurance paperwork above your visor, in the console, or in the glove compartment.

One key aspect when comparing rates is to use the same liability limits and deductibles on every price quote and and to get price estimates from as many companies as possible. This enables the most accurate price comparison and plenty of rates choose from.

It's well known that car insurance companies don't want you quoting rates from other companies. Consumers who shop rates annually are highly likely to switch companies because they have good chances of finding a more affordable policy premium. A recent car insurance study discovered that consumers who compared rates once a year saved about $72 a month compared to other drivers who never shopped for cheaper rates.

If finding the lowest price on Subaru Outback insurance in Jersey City is why you're here, then understanding how to find companies and compare insurance rates can make it easier to shop your coverage around.

Finding a lower price on Subaru Outback insurance isn't really that difficult. The only requirement is to take the time comparing price quotes to find the company with the cheapest Subaru Outback rate quotes.

Comparing free rates online is easy and it, makes it a waste of time to actually drive to different Jersey City agent offices. Comparing Subaru Outback insurance rate quotes online makes this process obsolete unless you have a need for the extra assistance only provided by licensed Jersey City agents. Some companies do allow you to obtain prices from the web but buy the policy through an agent.

The providers in the list below have been selected to offer free quotes in New Jersey. If you want cheap auto insurance in Jersey City, we recommend you visit two to three different companies to get the most affordable price.

Facts and figures for Subaru Outback insurance

The coverage table displayed next showcases estimates of prices for Subaru Outback models. Having a better understanding of how auto insurance policy rates are calculated is important for making smart policy decisions.

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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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in garaging location in Jersey City which can impact premium rates greatly.

Policy deductibles

A question often asked by Jersey City drivers is how high should the physical damage coverage deductibles be. The data tables below approximate the differences in price between high and low policy deductibles. The first set of rates uses a $250 deductible for physical damage and the second data table uses a $500 deductible.

Subaru Outback insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $420 $514 $480 $28 $144 $1,611 $134
Outback 2.5I Premium $420 $626 $480 $28 $144 $1,723 $144
Outback 2.5I Limited $420 $626 $480 $28 $144 $1,723 $144
Outback 3.6R $420 $626 $480 $28 $144 $1,723 $144
Outback 3.6R Premium $420 $626 $480 $28 $144 $1,723 $144
Outback 3.6R Limited $466 $738 $480 $28 $144 $1,881 $157
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Subaru Outback insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $340 $414 $480 $28 $144 $1,406 $117
Outback 2.5I Premium $340 $504 $480 $28 $144 $1,496 $125
Outback 2.5I Limited $340 $504 $480 $28 $144 $1,496 $125
Outback 3.6R $340 $504 $480 $28 $144 $1,496 $125
Outback 3.6R Premium $340 $504 $480 $28 $144 $1,496 $125
Outback 3.6R Limited $380 $594 $480 $28 $144 $1,626 $136
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific location which can alter premiums substantially.

We can derive from the above data that using a $250 deductible will cost you approximately $19 more each month or $228 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 13 months between claim filings, you would save money if you choose a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $145
Average monthly premium for $500 deductibles (subtract): - $126
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important note is that a higher deductible means you will have to pay more out-of-pocket when you file a claim. It will be required that you have some extra funds in order to pay the deductible.

The illustration below shows how different deductible levels and can influence Subaru Outback insurance rates for different categories of driver ages. The premiums are based on a married male driver, full coverage, and no additional discounts are factored in.

Should you buy full coverage?

The illustration below shows the difference between Subaru Outback insurance costs with full coverage and liability only. The data is based on no claims or driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula of when to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's say your Subaru Outback replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying the physical damage deductible. If you are paying in excess of $700 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

Buying the right Subaru vehicle insurance in New Jersey is an important decision

Even though it's not necessarily cheap to insure a Subaru in Jersey City, paying for insurance is mandatory in New Jersey but it also protects more than you think.

  • The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your Subaru Outback has a loan, most banks will make it mandatory that you have physical damage coverage to guarantee loan repayment. If you do not keep the policy in force, the lender will be forced to insure your Subaru at a more expensive rate and force you to pay much more than you were paying before.
  • Insurance protects your car and your assets. It will also reimburse you for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays more than $700 annually so it's very important to do a rate comparison at every renewal to be sure current rates are still competitive.

What Affects Subaru Outback Insurance Prices?

Part of the insurance buying process is learning some of the factors that are used to determine the level of your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that may result in lower rates. Lots of things are part of the calculation when premium rates are determined. Some are pretty understandable like an MVR report, although others are not as apparent such as your credit history or your commute time.

Listed below are some of the most rate-impacting factors companies use to determine your prices.

  • Tickets mean higher premiums - Getting just one chargeable violation can bump up the cost to the point where it's not affordable. Drivers who don't get tickets have lower premiums as compared to careless drivers. Drivers with multiple citations such as reckless driving, hit and run or driving under the influence are required to prove financial responsibility with their state motor vehicle department in order to keep their license.

    The example below shows how speeding tickets and at-fault collisions can drive up Subaru Outback annual premium costs for each age group. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.

  • Lower rates for safer vehicles - Safe vehicles get lower rates. Vehicles engineered for safety reduce injuries and fewer injuries means lower claim amounts and lower rates for you. If your Subaru is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Keep policy claims to a minimum - Companies in New Jersey generally give better rates to policyholders who only file infrequent claims. If you are a frequent claim filer, you can look forward to much higher rates or policy non-renewal. Your car insurance is intended to be relied upon for the large, substantial claims.
  • Companies want multiple policies - Most larger companies give discounts to insureds that have more than one policy, otherwise known as a multi-policy discount. Discounts can be as much as ten percent or more Even though this discount sounds good, drivers will still want to compare other Jersey City Outback insurance rates to guarantee you are still saving the most.
  • Rental and towing coverage may not be needed - Insurance policies have a lot of extra bells and whistles that can waste your money if you don't pay attention. Coverages like replacement cost coverage, accident forgiveness, and extra equipment coverage may not be needed and are just wasting money. They may sound like good ideas when buying your policy, but if you have no use for them think about removing them and cutting costs.
  • Performance impacts insurance rates - The type of vehicle you need insurance for makes a substantial difference in your premium level. The lowest premiums tend to be for smaller low performance passenger cars, but that's not the only thing that factors into the final price.

    The following chart assumes a single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Subaru Outback insurance rates compared to other makes and models that have different risk factors.

  • Insurance loss data for a Subaru Outback - Insurance companies factor in insurance loss information in order to profitably underwrite each model. Models that have higher loss trends will have higher rates for specific coverages.

    The information below illustrates the insurance loss data used by companies for Subaru Outback vehicles. For each policy coverage, the claim amount for all vehicles compiled together equals 100. Numbers shown that are under 100 suggest a positive loss record, while values that are above 100 point to more claims or an increased chance of a larger loss.

    Car Insurance Loss Data for Subaru Outback Models
    Vehicle 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

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

Subaru Outback insurance discounts in Jersey City

Companies offering auto insurance do not advertise every policy discount in an easy-to-find place, so the following list contains some of the more common and the more hidden discounts you could be receiving when you buy Jersey City auto insurance online.Cheaper car insurance with discounts

  • One Accident Forgiven - Not really a discount, but companies like GEICO, Allstate and Liberty Mutual will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
  • Renewal Discounts - Select insurance companies give a discount for switching to them prior to your current Outback insurance policy expiration. It's a savings of about 10%.
  • Online Discount - Certain car insurance companies give back up to $50 for buying your policy on their website.
  • Discounts for Multiple Vehicles - Buying insurance for more than one vehicle on the same car insurance policy can reduce rates for all insured vehicles.
  • Passive Restraints - Vehicles with factory air bags can get savings of 20% or more.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, car insurance companies aren't that generous.

The diagram below illustrates the comparison of Subaru Outback insurance rates with and without policy discounts. The price estimates are based on a female driver, a clean driving record, no claims, New Jersey 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, multi-car, homeowner, multi-policy, marriage, and safe-driver discounts applied.

A few popular companies and their possible discounts can be found below.

  • Farmers Insurance has savings for distant student, homeowner, switch companies, mature driver, pay in full, early shopping, and youthful driver.
  • Esurance offers discounts including defensive driver, good student, paid-in-full, emergency road assistance, Switch & Save, and claim free.
  • State Farm discounts include passive restraint, Drive Safe & Save, multiple policy, Steer Clear safe driver discount, driver's education, and anti-theft.
  • GEICO offers discounts for good student, military active duty, membership and employees, five-year accident-free, multi-vehicle, and seat belt use.
  • Allstate may offer discounts for new car, good student, farm vehicle, anti-theft, teenSMART discount, auto/life discount, and safe driver.

If you are trying to find cheaper Jersey City auto insurance quotes, ask every prospective company which credits you are entitled to. Discounts may not be offered in your state.

Insurance agents can help

When quoting and comparing proper insurance coverage, there is no cookie cutter policy. Your financial needs are unique and a cookie cutter policy won't apply.Drive safe and save Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much underlying liability do I need for an umbrella policy?
  • What is an umbrella policy?
  • Who is covered when they drive my Subaru Outback?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered while delivering pizza?

If you can't answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Local Jersey City insurance agents

A lot of people just want to buy from a licensed agent and that can be a great decision Professional agents can answer important questions and give you someone to call. The best thing about comparing insurance prices online is that you can find the lowest rates but also keep your business local. Buying from and supporting local agencies is definitely important in Jersey City.

Jersey City insurance agentsTo find an agent, once you fill out this form (opens in new window), the quote information is submitted to local insurance agents who will gladly provide quotes for your business. You won't even need to drive around as quotes are delivered directly to you. In the event you want to compare prices from a specific company, don't hesitate to jump over to their website and submit a quote form there.

Different types of auto insurance agents in Jersey City

If you want to use a local insurance agency, it can be helpful to understand the different types of agents and how they can service your needs differently. Auto insurance agencies are considered either independent or exclusive. Either one can properly insure your vehicles, but it's a good idea to understand the difference between them since it can affect the kind of agent you use.

Independent Agents

Agents of this type are not required to write business for one company and that is an advantage because they can write policies with multiple insurance companies and find the cheapest rate. If premiums increase, an independent agent can move your coverage and you don't have to switch agencies. If you are trying to find cheaper rates, you definitely need to include a couple of independent agencies for maximum quote selection.

Below are independent insurance agencies in Jersey City that may be able to provide price quote information.

AMC Insurance Inc
958 Summit Ave - Jersey City, NJ 07307 - (201) 656-1200 - View Map

Blake Agency
370 Pacific Ave - Jersey City, NJ 07304 - (201) 209-0065 - View Map

Wexford Insurance
45 Laidlaw Ave - Jersey City, NJ 07306 - (201) 659-6050 - View Map

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Exclusive Agencies

Agents that elect to be exclusive write business for a single company such as State Farm, Allstate, or Farmers Insurance. These agents are unable to compare rates from other companies so they really need to provide good service. Exclusive insurance agents are very knowledgeable on the products they sell which aids in selling service over price.

Shown below is a short list of exclusive agencies in Jersey City that are able to give comparison quotes.

725 John F. Kennedy Blvd - North Bergen, NJ 07047 - (201) 325-8880 - View Map

505 Central Ave - Jersey City, NJ 07307 - (201) 222-8866 - View Map

1755 John F. Kennedy Blvd - Jersey City, NJ 07305 - (201) 332-3344 - View Map

More insurance agents

Selecting an insurance agency needs to be determined by more than just the quoted price. A good agent in Jersey City will have answers to these questions.

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they regularly work with personal auto policies in Jersey City?
  • By raising physical damage deductibles, how much would you save?
  • Are they actively involved in the community?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Is every driver in your family covered?
  • Can they provide you with a list of referrals?
  • What is the financial rating for the quoted company?

Quote more to save more

We just showed you a lot of ways to get a better price on Subaru Outback insurance in Jersey City. The key thing to remember is the more times you quote, the higher your chance of finding affordable Jersey City auto insurance quotes. You may even find the lowest rates come from a smaller regional carrier. These smaller insurers often have lower auto insurance rates on specific markets as compared to the big name companies such as GEICO and State Farm.

Cheaper Subaru Outback insurance in Jersey City is available both online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some car insurance companies may not have online price quotes and many times these regional carriers work with local independent agents.

More detailed car insurance information is available at these sites: