How to Save on Honolulu Subaru Outback Insurance

It’s safe to assume that insurance companies don’t want their policyholders to compare prices. People who compare rates once a year are likely to switch to a new company because there are good odds of finding a lower-priced company. Surprisingly, a recent survey revealed that consumers who make a habit of shopping around saved over $70 a month compared to drivers who never shopped around.

If finding budget-friendly Subaru Outback insurance in Honolulu is your objective, knowing how to find companies and compare insurance rates can save time and money.

Insurance for Subaru OutbackTo save the most money, the best way to get low-cost auto insurance rates is to compare prices once a year from companies in Honolulu.

A good tip to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote and and to look at every company you can. This provides a fair rate comparison and the best rate selection.

This information will let you in on how to get online quotes and how you can save the most money. If you are insured now, you will be able to find better prices using the concepts covered in this article. Consumers only need to know the most effective way to buy insurance from many different companies.

How Insurance Providers Calculate Subaru Outback Insurance Premiums

Lots of things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although others are not as apparent like where you live and annual miles driven.

The companies shown below can provide free quotes in Hawaii. If the list has multiple companies, we recommend you visit two to three different companies to get the best price comparison.

Rate information and statistics

The information below highlights detailed analysis of insurance prices for Subaru Outback models. Having a good grasp of how insurance quotes are figured can assist in making decisions on the best policy coverages.

Subaru Outback Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $162 $224 $278 $16 $84 $764 $64
Outback 2.5I Premium $162 $272 $278 $16 $84 $812 $68
Outback 2.5I Limited $162 $272 $278 $16 $84 $812 $68
Outback 3.6R $162 $272 $278 $16 $84 $812 $68
Outback 3.6R Premium $162 $272 $278 $16 $84 $812 $68
Outback 3.6R Limited $180 $320 $278 $16 $84 $878 $73
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can impact insurance rates greatly.

Car insurance deductibles

One of the most common car insurance questions is the level to set your comp and collision deductibles. The rates below may help to illustrate the costs and benefits when you select higher and lower deductibles. The first data table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Subaru Outback insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $230 $284 $264 $16 $80 $899 $75
Outback 2.5I Premium $230 $344 $264 $16 $80 $959 $80
Outback 2.5I Limited $230 $344 $264 $16 $80 $959 $80
Outback 3.6R $230 $344 $264 $16 $80 $959 $80
Outback 3.6R Premium $230 $344 $264 $16 $80 $959 $80
Outback 3.6R Limited $258 $406 $264 $16 $80 $1,049 $87
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Subaru Outback insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $188 $228 $264 $16 $80 $776 $65
Outback 2.5I Premium $188 $278 $264 $16 $80 $826 $69
Outback 2.5I Limited $188 $278 $264 $16 $80 $826 $69
Outback 3.6R $188 $278 $264 $16 $80 $826 $69
Outback 3.6R Premium $188 $278 $264 $16 $80 $826 $69
Outback 3.6R Limited $210 $328 $264 $16 $80 $898 $75
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in vehicle location which can modify auto insurance rates significantly.

Based on this data, using a $250 deductible costs an average of $11 more each month or $132 every year across all Subaru Outback models than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 23 months between claim filings, you would probably save some money if you choose a higher deductible.

The information below demonstrates how deductible levels and can influence Subaru Outback annual premium costs for each different age category. The data is based on a married male driver, comp and collision included, and no additional discounts are factored in.

Subaru Outback insurance premiums by gender

The chart below shows the difference between Subaru Outback insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no policy discounts are applied.

Difference between liability only and full coverage rates

The information below illustrates the difference between Subaru Outback auto insurance costs with and without full coverage. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to stop buying full coverage

There is no specific rule for eliminating comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Subaru Outback settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after you pay the deductible. If you are currently paying more than $700 annually for full coverage, then it might be time to consider dropping full coverage.

There are some conditions where only buying liability is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Three reasons car insurance is important

Even though it’s not necessarily cheap to insure a Subaru in Honolulu, buying car insurance may be mandatory for several reasons.

The benefits of insuring your car greatly outweigh the cost, especially when you need to use it. According to a 2015 survey, the average American driver is overpaying over $865 each year so we recommend shopping around at every policy renewal to be sure current rates are still competitive.

Get cheap Subaru Outback insurance in Honolulu with discounts

Auto insurance companies do not advertise the entire discount list in a way that’s easy to find, so the following list contains a few of the more common as well as the least known auto insurance savings.Auto insurance discounts

Don’t be shocked that some of the credits will not apply to the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

The information below illustrates the comparison of Subaru Outback insurance prices with and without discounts applied to the premium. The rate quotes are based on a male driver, no accidents or driving violations, Hawaii state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, claim-free, safe-driver, and homeowner discounts applied.

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

Double check with each company or agent which discounts you may be entitled to. Discounts might not be offered on policies in your state.

When should I talk to an insurance agent?

Many drivers just prefer to visit with an insurance agent and that is just fine! Good agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing rate quotes online is that you can obtain the lowest rates and still have a local agent. And supporting small agencies is still important in Honolulu.

Insurance agency in HonoluluTo make it easy to find an agent, after completing this quick form, the quote information is sent to participating agents in Honolulu that provide free Honolulu auto insurance quotes to get your business. It’s much easier because you don’t need to leave your house as quotes are delivered to the email address you provide. If you wish to compare prices from a particular provider, don’t hesitate to navigate to their website and fill out the quote form the provide.

If you want to buy insurance from a reputable agency, you must know there are a couple different agency structures that you can select. Agencies in Honolulu are classified as either exclusive or independent (non-exclusive). Either one can sell insurance policies, but it’s a good idea to understand why they differ because it can factor into your agent selection.

Independent Insurance Agencies

Agents that choose to be independent are not limited to a single company and that is an advantage because they can write policies through many different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, your policy is moved internally and you stay with the same agent. If you are trying to find cheaper rates, you will want to get rate quotes from at a minimum one independent agency to get the most accurate price comparison. A lot of them also have access to smaller companies who may have lower rates.

Below is a list of independent insurance agents in Honolulu that may be able to give competitive price quotes.

More Honolulu agents

Exclusive Insurance Agencies

These agents normally can only provide a single company’s rates like AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agents are usually well trained on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently use the same agent primarily because of loyalty to the company and strong financial ratings.

Listed below is a short list of exclusive agencies in Honolulu who can help you get price quote information.

More Honolulu agents

Picking an auto insurance agent requires you to look at more than just a cheap quote. These are valid questions to ask:

If you receive good answers to all your questions as well as a price you’re happy with, it’s a good possibility that you have found an auto insurance agent that will properly service your insurance policy.

Hawaii auto insurance company ratings

Finding the highest-rated insurance company is hard considering how many companies there are in Hawaii. The ranking information in the next section can help you pick which car insurance companies to look at shopping prices with.

Top 10 Honolulu Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 94%
  2. AAA Insurance – 91%
  3. State Farm – 90%
  4. Nationwide – 90%
  5. The Hartford – 89%
  6. GEICO – 89%
  7. Liberty Mutual – 88%
  8. Allstate – 88%
  9. Esurance – 87%
  10. Progressive – 87%

Top 10 Honolulu Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. GEICO
  6. Liberty Mutual
  7. Allstate
  8. The Hartford
  9. Farmers Insurance
  10. Safeco

Final considerations

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. There have been many situations where someone dropped physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

We just covered quite a bit of information on how to shop for Subaru Outback insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even find the most savings is with an unexpected company.

Consumers switch companies for a variety of reasons including not issuing a premium refund, high prices, extreme rates for teen drivers and even policy cancellation. Regardless of your reason for switching companies, finding the right auto insurance provider can be less work than you think.

Additional auto insurance information can be read at the links below