It’s safe to assume that insurance companies don’t want you to look for cheaper rates. People who shop around annually are likely to switch auto insurance companies because there is a good probability of finding good coverage at a lower price. Surprisingly, a recent survey revealed that people who compared prices once a year saved over $3,450 over four years as compared to drivers who don’t regularly compare prices.
If finding the best rates on car insurance in Fresno is your objective, then learning about how to shop and compare coverages can help you succeed in finding affordable rates.
The preferred way to get the cheapest car insurance rates is to compare prices at least once a year from providers that insure vehicles in Fresno. Rate comparisons can be done by completing these steps.
- Spend some time learning about the different coverages in a policy and the steps you can take to drop your rates. Many policy risk factors that cause high rates like traffic citations and bad credit can be eliminated by making minor changes to your lifestyle.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or State Farm, while independent agencies can quote prices for many different companies. Click to view companies
- Compare the new rate quotes to your current policy to determine if you can save on Outback insurance in Fresno. If you can save money and buy the policy, make sure coverage does not lapse between policies.
- Tell your current agent or company of your intention to cancel your current auto insurance policy. Submit the completed application along with a down payment to your new agent or company. Don’t forget to place the new certificate verifying coverage with your registration paperwork.
One bit of advice is to make sure you enter identical deductibles and limits on every quote and and to get quotes from every company you can. This provides a fair price comparison and plenty of rates choose from.
If you’re already insured, you will definitely be able to save money using the techniques covered below. This information will teach you the best way to buy inexpensive insurance and also save some money in the process But California car owners need to have an understanding of the methods companies use to calculate your policy premium and apply this information to your search.
Low cost Fresno Subaru Outback insurance price quotes online
Most of the larger companies like State Farm, GEICO and Progressive make it easy to get prices direct online. Getting quotes for Subaru Outback insurance in Fresno doesn’t take a lot of time because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. Once entered, their quoting system automatically orders information on your driving record and credit history and returns pricing information based on the data you entered.
The ability to get online rate quotes for Subaru Outback insurance in Fresno makes it easy to compare insurance prices and it’s also necessary to compare as many rates as possible in order to get cheaper prices.
To save time and get comparison pricing now, compare rates now from the companies shown below. If you have a policy now, it’s recommended you replicate your coverages as close as possible to your current policy. This ensures you are getting an apples-to-apples comparison for the exact same coverage.
The following companies are ready to provide free quotes in California. If you want to find the best auto insurance in CA, we suggest you click on several of them to get a more complete price comparison.
You may qualify for discounts for Subaru Outback insurance in Fresno
Companies don’t always list all available discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find discounts that you may qualify for.
- Multiple Cars – Drivers who insure all your vehicles with one company can reduce the rates for all insured vehicles.
- Senior Citizen Discount – Drivers over the age of 55 can possibly qualify for a small decrease in premiums.
- Paperless Signup – A few larger online companies may give you up to $50 for buying your policy on the web.
- Save with a New Car – Putting coverage on a new Outback can get you a discount since newer vehicles have better safety ratings.
- Discount for Low Mileage – Keeping the miles down on your Subaru can qualify you for cheaper prices.
- Employee of Federal Government – Active or retired federal employment can save as much as 8% with certain companies.
A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
The illustration below visualizes the comparison of Subaru Outback yearly insurance costs with and without discounts applied. The data assumes a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, homeowner, and claim-free discounts applied.
Car insurance companies that may offer quotes with these money-saving discounts may include but are not limited to:
If you need affordable Subaru Outback insurance quotes, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier may not be offered everywhere. To view providers that have a full spectrum of discounts in California, click here.
Subaru Outback detailed coverage information
The coverage information shown next highlights estimates of insurance rates for Subaru Outback models. Having knowledge of how insurance premiums are determined can be valuable when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $358 | $382 | $578 | $34 | $174 | $1,526 | $127 |
| Outback 2.5I Premium | $358 | $464 | $578 | $34 | $174 | $1,608 | $134 |
| Outback 2.5I Limited | $358 | $464 | $578 | $34 | $174 | $1,608 | $134 |
| Outback 3.6R | $358 | $464 | $578 | $34 | $174 | $1,608 | $134 |
| Outback 3.6R Premium | $358 | $464 | $578 | $34 | $174 | $1,608 | $134 |
| Outback 3.6R Limited | $398 | $546 | $578 | $34 | $174 | $1,730 | $144 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific location which can influence rates considerably.
How high should deductibles be?
One of the more difficult decisions when buying insurance is where to set your physical damage deductibles. The data tables below can help you visualize the difference in cost when you choose different physical damage coverage deductibles. The first data table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $386 | $472 | $442 | $26 | $132 | $1,483 | $124 |
| Outback 2.5I Premium | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Outback 2.5I Limited | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Outback 3.6R | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Outback 3.6R Premium | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Outback 3.6R Limited | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $238 | $298 | $442 | $26 | $132 | $1,136 | $95 |
| Outback 2.5I Premium | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Outback 2.5I Limited | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Outback 3.6R | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Outback 3.6R Premium | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Outback 3.6R Limited | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific location information which can change rates greatly.
Using the data above, we can ascertain that using a $250 deductible costs about $32 more each month or $384 annually than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 23 months between claims, you would more than likely save some money if you choose the higher deductible. The table below illustrates how we made this calculation.
| Average monthly premium for $250 deductibles: | $133 |
| Average monthly premium for $1,000 deductibles (subtract): | – $101 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
One thing to be aware of is that increasing deductibles to lower your rates means you will have to pay more of your own money at claim time. You will want to have some non-essential savings in order to pay the higher deductible.
How You Can Control Subaru Outback Insurance Premiums
An important part of buying insurance is that you know some of the things that play a part in calculating the level of your policy premiums. If you have a feel for what controls the rates you pay, this enables informed choices that may result in lower premium levels. Multiple criteria are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving history, but other factors are not quite as obvious like where you live or how safe your car is.
The following are some of the most common factors utilized by car insurance companies to help set prices.
- Being married pays dividends – Walking down the aisle may cut your premiums on your auto insurance bill. It translates into being more financially stable and statistics prove drivers who are married are more cautious.
- How many coverages with the same company – The majority of companies apply a discount to buyers that have more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s in your best interest to comparison shop to guarantee you are still saving the most.
- Vehicle features that lower prices – Selecting a car model with anti-theft technology or alarm system can get you a discount on your auto insurance. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.
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Gals tend to take less risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, this does not mean females are better drivers. Men and women get in fender benders at about the same rate, but the men tend to have more serious accidents. In addition to higher claims, males also get more serious tickets such as reckless driving. Young males are the most expensive to insure so they pay the highest premiums.
The example below shows the comparison of Subaru Outback car insurance costs for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no additional discounts are factored in.
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Claims statistics for a Subaru Outback – Companies use statistical claims data when setting premium rates. Vehicles that have higher losses will have higher rates.
The information below illustrates the historical loss data for Subaru Outback vehicles. For each type of coverage, the claim probability for all vehicles combined as an average is represented as 100. Values that are 100 or less are indicative of better than average losses, while values that are above 100 indicate higher probability of having a loss or tendency to have higher losses.
Insurance Loss Ratings for Subaru Outback Vehicles 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 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local Fresno car insurance agents and car insurance
Many people still like to have an agent’s advice and that is a smart decision An additional benefit of price shopping on the web is you may find better rates and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), your coverage information gets sent to local insurance agents in Fresno that provide free Fresno car insurance quotes to get your business. You won’t need to contact any agents due to the fact that quote results will go directly to you. You can find the lowest rates without having to waste a lot of time. If you have a need to quote rates from a specific insurance company, don’t hesitate to find their quoting web page and complete a quote there.
Picking the best insurer shouldn’t rely on just a cheap price. Any agent in Fresno should be forthright in answering these questions:
- What companies can they write with?
- Is assistance available after office hours?
- Who are their largest clients?
- Does the agency support the community they serve?
- Do they regularly work with personal auto policies in Fresno?
Pick the best auto insurance agent in Fresno for you
When looking for a local insurance agency, you need to know there are two different agency structures and how they are distinctly different. Car insurance policy providers can be classified as either independent or exclusive depending on the company they work for.
Exclusive Agencies
Exclusive agencies have only one company to place business with like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to compare other company’s rates so they have no alternatives for high prices. Exclusive agents are well trained on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes use the same agent mostly because of the brand legacy and solid financial strength.
Listed below are Fresno exclusive insurance agencies who may provide you with price quote information.
- Steph Flores Peters – State Farm Insurance Agent
371 E Bullard Ave #104 – Fresno, CA 93710 – (559) 274-0600 – View Map - Allstate Insurance: Patricia Pearson
5755 E Kings Canyon Rd Ste 106 – Fresno, CA 93727 – (559) 255-1861 – View Map - Janean Wolfe – State Farm Insurance Agent
7089 N Marks Ave #105 – Fresno, CA 93711 – (559) 432-6392 – View Map
Independent Car Insurance Agencies
Agents in the independent channel are not restricted to one company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. If premiums increase, your agent can switch companies which is easy for the insured. If you are comparing rate quotes, we recommend you get several quotes from at a minimum one independent agency to have the best price comparison. Most independent agents also contract with small regional insurance companies which can save you money.
Below is a short list of independent insurance agents in Fresno willing to provide price quotes.
- Leavitt Group
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500 – View Map - Van Beurden Insurance Services, Inc.
7676 N Palm Ave #106 – Fresno, CA 93711 – (559) 436-6655 – View Map - Pillar Insurance Partners, LLC
1477 E Shaw Ave #140 – Fresno, CA 93710 – (559) 436-6441 – View Map
After receiving reasonable responses to all your questions as well as a affordable price, you may have just found an insurance agency that can be relied on to properly insure your vehicles.
What insurance coverages do I need?
When it comes to choosing insurance from an agent or online, there really is not a perfect coverage plan. Everyone’s situation is a little different and your insurance should unique, too.
For instance, these questions could help you determine if your insurance needs might need professional guidance.
- Should I file a claim if it’s only slightly more than my deductible?
- What is the ISO rating for a Subaru Outback?
- Is extra glass coverage worth it?
- Does my policy cover me when driving someone else’s vehicle?
- What is the difference between comprehensive and collision coverage?
- Should I sign the liability waiver when renting a car?
- Is coverage enough to protect my assets?
- Are split liability limits better than a combined single limit?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.
Fresno car insurance companies ranked
Choosing the best auto insurance provider is hard considering how many companies there are to choose from in Fresno. The company rank data shown below may help you choose which insurers to look at when comparing rate quotes.
Top 10 Fresno Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Fresno Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Don’t give up on cheaper premiums
Cheap Subaru Outback insurance in Fresno can be bought both online in addition to local insurance agencies, and you need to comparison shop both to have the best selection. Some auto insurance companies may not provide online price quotes and usually these small insurance companies only sell coverage through independent agencies.
As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at the best cost while still protecting your assets.
Additional detailed information can be read in these articles:
- Auto Crash Statistics (Insurance Information Institute)
- How Much is Fresno Auto Insurance for First-time Drivers? (FAQ)
- What Insurance is Cheapest for a 20 Year Old Female in Fresno? (FAQ)
- Who Has the Cheapest Auto Insurance for a Honda Accord in Fresno? (FAQ)
- Safety Belts FAQ (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Parking Tips to Reduce Door Dings (State Farm)