Save Money on Subaru Outback Insurance in New Orleans

Truthfully, the best way to get the cheapest Subaru Outback insurance in New Orleans is to regularly compare prices from insurance carriers in Louisiana. This can be done by following these guidelines.

First, try to learn about individual coverages and the steps you can take to drop your rates. Many factors that cause high rates such as speeding and a not-so-good credit rating can be eliminated by making minor changes in your lifestyle.

Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like GEICO and State Farm, while independent agencies can provide price quotes for a wide range of insurance providers.

Third, compare the price quotes to your existing coverage and determine if there is any savings. If you can save some money and switch companies, ensure there is no coverage lapse between policies.

A tip to remember is to try to use the same coverage limits and deductibles on every quote request and and to get rates from as many car insurance companies as possible. Doing this ensures an apples-to-apples comparison and a thorough price selection.

Unimaginable but true, the majority of drivers renewed their policy with the same company for more than four years, and nearly 40% of drivers have never compared quotes from other companies. Many drivers in the U.S. can cut their rates by $850 a year by just shopping around, but they think it’s difficult to shop around.

Keep in mind that comparing all the rates in your area provides better odds of finding more affordable insurance. Not every company allows you to get New Orleans Outback insurance quotes online, so it’s important to compare rates on coverage from those companies, too.

The companies shown below have been selected to offer price comparisons in New Orleans, LA. If you want the cheapest car insurance in New Orleans, LA, we suggest you click on several of them to get the most affordable price.

Rates and data analysis

The premium information shown below highlights a range of insurance rates for Subaru Outback models. Learning more about how insurance rates are determined can help customers make decisions when shopping around.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in zip code location which can change rates greatly.

Where to set your deductibles

When shopping for auto insurance, a common question is what deductibles to buy. The following tables may help to conceptualize the price difference when you select higher and lower policy deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific garaging location which can modify auto insurance rates noticeably.

Based on these figures, using a $100 deductible will cost you approximately $48 more each month or $576 each year averaged for all Outback models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 19 months between claim filings, you would probably be better off if you decide on a higher deductible. The table below illustrates how this decision is made.

An important thing to remember is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a physical damage claim. You need to have enough money in the bank in the event you need to pay the higher deductible.

Auto insurance premiums based on gender

The information below visualizes the comparison of Subaru Outback insurance rates for male and female drivers. The prices are based on no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

Does full coverage make sense?

The diagram below shows the difference between Subaru Outback yearly insurance costs with and without full coverage. The price estimates are based on no claims, a clean driving record, $250 deductibles, marital status is single, and no additional discounts are factored in.

When to buy liability coverage only

There is no exact rule that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Subaru Outback replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying your deductible. If premium cost is more than $400 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some cases where buying only liability insurance is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Three main reasons to buy auto insurance

Despite the high insurance cost for a Subaru Outback in New Orleans, auto insurance may be required for several reasons.

• Just about all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance if you don’t want to risk a ticket. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a loan on your Subaru, most lenders will stipulate that you have insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Subaru for a lot more money and require you to pay the higher premium.
• Insurance protects not only your Subaru but also your assets. It will also reimburse you for most medical and hospital costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having auto insurance are definitely more than the cost, particularly when you have a large claim. An average driver in America overpays more than $800 each year so compare quotes from several companies once a year at a minimum to ensure rates are competitive.

Determine discounts to get cheap New Orleans car insurance quotes

Car insurance companies do not advertise every possible discount in a way that’s easy to find, so the below list has both well-publicized and the more hidden discounts that you may qualify for. If you do not double check each discount you deserve, you are not getting the best rate possible.

• ABS Brakes – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
• Telematics Data – Insureds who allow their insurance company to study driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they have good driving habits.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school or through a local driver safety program.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving could cut 10% or more off the personal injury premium cost.
• Full Payment Discount – By paying your policy upfront rather than paying monthly you could save 5% or more.

We need to note that many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The chart below visualizes the comparison of Subaru Outback insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Louisiana state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, homeowner, safe-driver, and multi-car discounts applied.

Companies and a summarized list of policyholder discounts are outlined below.

• State Farm has discounts for Steer Clear safe driver discount, good driver, student away at school, safe vehicle, and defensive driving training.
• American Family offers discounts including accident-free, early bird, mySafetyValet, Steer into Savings, multi-vehicle, and defensive driver.
• GEICO offers premium reductions for military active duty, air bags, defensive driver, daytime running lights, good student, and federal employee.
• 21st Century has savings for student driver, teen driver, 55 and older, air bags, automatic seat belts, and good student.
• Progressive may have discounts that include good student, multi-policy, homeowner, online signing, continuous coverage, and online quote discount.

When getting free New Orleans auto insurance quotes, it’s a good idea to each insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not apply in your area. If you would like to choose from a list of providers that offer the discounts shown above in New Orleans, click this link.

Car insurance is available from agents near you

A lot of people would rather visit with an insurance agent and often times that is recommended One of the great benefits of comparing insurance prices online is the fact that drivers can get cheap car insurance rates and also buy local. And buying from neighborhood insurance agencies is still important in New Orleans.

To help locate an agent, after submitting this quick form, your insurance data is instantly submitted to insurance agents in New Orleans that give free quotes for your coverage. It simplifies rate comparisons since you won’t have to drive around due to the fact that quote results will go to you instantly. You can most likely find cheaper rates and a licensed agent to talk to. If you wish to quote rates from one company in particular, you just need to search and find their rate quote page and complete a quote there.

Best auto insurance agent in New Orleans

If you would like to find an insurance agent, there are a couple of different types of agencies and how they are slightly different. Agents are categorized either independent or exclusive depending on the company they work for.

Independent Agencies or Brokers

Independent agencies are not required to write business for one company so they have the ability to put coverage with many different companies and get the cheapest rates. If they find a cheaper price, they can switch companies in-house and that require little work on your part.

When comparison shopping, we recommend you get quotes from multiple independent agents to get the most accurate price comparison. They also have the ability to place coverage with smaller regional carriers which can save you money.

Listed below is a partial list of independent insurance agencies in New Orleans who may be able to give you free price quotes.

• Murphy Insurance LLC
  2107 Soniat St – New Orleans, LA 70115 – (504) 899-8010 – View Map
• Underwriters Insurance Agency
  10709 Chef Menteur Hwy #1 – New Orleans, LA 70127 – (504) 302-0620 – View Map
• Garcia Insurance Services
  3815 MacArthur Blvd – New Orleans, LA 70114 – (504) 875-4077 – View Map

View more agents

Exclusive Agencies

These agents can only quote rates from one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to give you multiple price quotes so always compare other rates. Exclusive insurance agents are trained well on sales techniques which helps them sell on service rather than price. Consumers frequently buy insurance from these agents partially due to the brand legacy and solid financial strength.

Listed below are exclusive agencies in New Orleans who can help you get rate quotes.

• Derek Morel – State Farm Insurance Agent
  5555 Bullard Ave #104 – New Orleans, LA 70128 – (504) 247-9241 – View Map
• Charles Hemmans – State Farm Insurance Agent
  4611 S Carrollton Ave – New Orleans, LA 70119 – (504) 313-5498 – View Map
• Chase Dardar – State Farm Insurance Agent
  6301 S Claiborne Ave – New Orleans, LA 70125 – (504) 861-4529 – View Map

View more agents

Picking the best car insurance agent requires you to look at more than just the price. The answers to these questions are important, too.

• What is the agency’s Better Business Bureau rating?
• Is working in the agency their full-time job?
• Are they actively involved in the community?
• Will you work with the agent or an assistant?
• Is the agency covered by Errors and Omissions coverage?
• How long have they been in business?
• Do they assist clients in filing claims?
• Is there a local claims center in New Orleans?

Car insurance can be complex

When choosing coverage online or from an agent, there really is not a best way to insure your cars. You are unique and your policy should reflect that.
These are some specific questions may help you determine if your insurance needs will benefit from professional help.

• Does liability extend to a camper or trailer?
• How can I force my company to pay a claim?
• Am I covered if hit by an uninsured driver?
• Why am I required to buy liability insurance?
• Is a driver training discount available?
• Do I need replacement cost coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance coverage options for a Subaru Outback

Having a good grasp of your insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Comprehensive insurance – This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, theft and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses for things like doctor visits, X-ray expenses, nursing services and EMT expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Louisiana drivers carry very low liability coverage limits (15/30/25 in Louisiana), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liability limits.

Collision – Collision insurance covers damage to your Outback resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, hitting a mailbox, rolling your car, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible on your Outback to save money on collision insurance.

Liability coverages – This provides protection from damage that occurs to other’s property or people. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 15/30/25 that translate to $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as structural damage, legal defense fees and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford. Louisiana state minimum liability requirements are 15/30/25 but drivers should carry more coverage.

The next chart shows why the minimum limit may not be enough coverage.

Quote more and you will save more

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

More affordable insurance in New Orleans is definitely available online and with local New Orleans insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer online quoting and usually these smaller companies prefer to sell through independent agents.

We just showed you some good ideas how you can save on Subaru Outback insurance in New Orleans. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding inexpensive New Orleans auto insurance quotes. You may even find the lowest car insurance rates come from an unexpected company. Regional companies may only write in your state and offer lower premium rates as compared to the big name companies such as Progressive or GEICO.

Helpful resources

• What if I Can’t Find Coverage? (Insurance Information Institute)
• How Much are New Orleans Auto Insurance Rates for Seniors? (FAQ)
• Who Has Affordable New Orleans Car Insurance for College Graduates? (FAQ)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Institute)