Finding economical auto insurance for a Subaru Outback in Nebraska doesn’t take too much effort, but it relies on many rating factors such as the mileage of your daily commute, your credit status, and your choice of physical damage deductibles. Drivers will pay around $611 annually for Outback insurance, but that cost is an approximation using a 50-year-old married female driver with full physical damage coverage and $1,000 deductibles.
Most likely you are not 50 years old and maybe not even female, single instead of married, and you may just want the cheapest liability coverage you can find. There is no one cookie-cutter policy that works for everyone, so the best method for finding affordable rates for your Subaru is to do the rate comparisons yourself.
The trim level of your Outback can impact the cost of coverage, so the cost to insure a Outback 2.5I model will be $86 lower than the insurance cost for the fancier Outback 3.6R Limited model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $124 | $168 | $282 | $16 | $84 | $674 | $56 |
| Outback 2.5I Premium | $124 | $204 | $282 | $16 | $84 | $710 | $59 |
| Outback 2.5I Limited | $124 | $204 | $282 | $16 | $84 | $710 | $59 |
| Outback 3.6R | $124 | $204 | $282 | $16 | $84 | $710 | $59 |
| Outback 3.6R Premium | $124 | $204 | $282 | $16 | $84 | $710 | $59 |
| Outback 3.6R Limited | $138 | $240 | $282 | $16 | $84 | $760 | $63 |
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in specific garaging location which can change prices noticeably.
Finding the highest-rated insurer can be a challenge considering how many choices you have in Nebraska. The company ratings in the next section could help you decide which auto insurers you want to consider comparing rate quotes with. These rankings are for the largest auto insurers in America, so companies that focus mainly on Nebraska business are not factored into these rankings.
Top 10 Major Auto Insurance Providers Overall in Lincoln
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
The illustration below illustrates how your deductible choice can affect insurance prices when trying to find cheap insurance for a Subaru Outback. The data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
The data above shows that a 30-year-old driver could pocket $340 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $514 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could roll back prices $732 every year just by choosing higher deductibles when buying full coverage. When increasing deductibles, it is necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Can you find cheaper Outback insurance?
Lincoln, NE insurance rates are impacted by many factors which can substantially decrease or increase the price you pay. Simply having another birthday, buying a different vehicle, or getting a reckless driving citation may generate price changes resulting in some rates now being cheaper than competitors.
Not only may things change on your end, but auto insurance companies modify rates without warning in order to maintain liquidity for claims. Significantly higher losses may result in increased policy costs, while long-term profits can produce cheaper Outback insurance rates.
The graph below shows rates for the cheapest car insurance in Lincoln, NE for a 30-year-old male driver with no accidents, a clean driving record, and a good credit rating. If we estimate rates based on his current rating profile, Safeco may have the cheapest car insurance rates in Lincoln at $819 each year. This is $497 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual are the remaining cheapest Lincoln, NE auto insurance companies.
Let’s now give the driver from the first set of rates a claim or two, poor credit, and a stop sign violation. Due to the fact that every auto insurer uses their own formula to set policy rates, analyzing rates may now result in a different ranking of the cheapest companies as shown below.
Nationwide now has the lowest car insurance rate in Lincoln, NE with State Farm, General Casualty, American National, and USAA also being competitive. This example demonstrates why Lincoln drivers need to perform a complete rate comparison when trying to find the cheapest car insurance rates for a Subaru Outback. Car insurance prices can be altered by many different factors and can change substantially, so the most affordable company when you bought your policy may now be one of the higher cost companies.
How to find low-cost insurance for a Subaru Outback
It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help Nebraska drivers find cheap coverage.
- Maintain a clean driving record
- Frequent claims will increase rates
- Better credit scores save money
- Vehicles with good safety ratings have lower liability rates
- Avoid having at-fault accidents
- Compare prices as often as possible
The last tip is certainly valuable, as was noted in this article. Prices in Lincoln can be changed at any time, so don’t be tentative to buy from a new company if a lower-cost policy is available.
Having a favorite company is great, but we do not recommend it if that loyalty ends up costing a small fortune. Take a couple minutes and compare rates and find cheaper auto insurance for a Subaru Outback.
If you aren’t sure which coverage you need and prefer to have the advice of a professional agent when shopping for the best coverage for an Outback, the agents below can most likely help you decide which insurance coverage you need.
To locate a Lincoln insurance agent by location nearest to you, click the button at the bottom or click here to get price quotes now.
- Davidson Insurance
5101 N 27th St – Lincoln, NE 68521 – (402) 465-1167 - Allstate Insurance: Raymond Thielen
4949 N 26th St c – Lincoln, NE 68521 – (402) 435-5757 - State Farm® insurance – Dean R Hoy
3883 Normal Blvd – Lincoln, NE 68506 – (402) 489-7171