Cheap Quotes for Subaru Outback Insurance in Oklahoma City

It’s easy to assume that insurance companies don’t want policyholders to compare prices from other companies. People who shop around for the cheapest rate will, in all likelihood, switch companies because the odds are good of finding more affordable rates. A recent auto insurance study revealed that consumers who regularly compared price quotes saved on average $3,400 over four years as compared to drivers who never compared prices.

If finding the lowest price for Subaru Outback insurance in Oklahoma City is your ultimate target, then having a grasp of how to get rate quotes and compare insurance rates can make it easier to find better rates.

Insurance quote for Subaru Outback in Oklahoma CityThe preferred way to save money on car insurance rates in Oklahoma City is to start doing an annual price comparison from providers who provide auto insurance in Oklahoma.

  1. Read about how auto insurance works and the things you can change to prevent rate increases. Many policy risk factors that are responsible for high rates like accidents, traffic violations, and a bad credit score can be controlled by paying attention to minor details.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while independent agencies can provide prices from many different companies.
  3. Compare the new quotes to your existing coverage and see if there is a cheaper rate in Oklahoma City. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your agent or company of your intent to cancel your current car insurance policy and submit a completed application and payment to your new carrier. Once received, keep your new certificate verifying coverage in a readily accessible location in your vehicle.

An important bit of advice to remember is to try to compare the same coverage limits and deductibles on every quote request and and to analyze as many different companies as possible. Doing this provides an accurate price comparison and a good representation of prices.

Companies offering Subaru Outback insurance in Oklahoma City

The auto insurance companies shown below are ready to provide comparison quotes in Oklahoma. If multiple companies are listed, we suggest you visit as many as you can in order to get a fair rate comparison.

Insurance statistics and figures

The rate table below outlines estimates of rate quotes for Subaru Outback models. Having knowledge of how insurance rates are figured can benefit drivers when making informed decisions when comparing rate quotes.

Subaru Outback Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $268 $372 $606 $36 $182 $1,464 $122
Outback 2.5I Premium $268 $452 $606 $36 $182 $1,544 $129
Outback 2.5I Limited $268 $452 $606 $36 $182 $1,544 $129
Outback 3.6R $268 $452 $606 $36 $182 $1,544 $129
Outback 3.6R Premium $268 $452 $606 $36 $182 $1,544 $129
Outback 3.6R Limited $298 $532 $606 $36 $182 $1,654 $138
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in Oklahoma City location which can impact price quotes noticeably.

Comparison of full coverage and liability-only policies

The example below illustrates the difference between Subaru Outback auto insurance costs with liability coverage only compared to full coverage. The rates are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no policy discounts are applied.

When to stop buying full coverage

There is no exact formula for dropping full coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Subaru Outback book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying the physical damage deductible. If it’s costing in excess of $400 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

These discounts can lower your insurance rates

Insurance is not cheap nor is it fun to buy but there could be available discounts that can dramatically reduce your bill. Some discounts will apply at the time of purchase, but some must be specifically requested prior to receiving the credit.

Just know that most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount should definitely cut your overall premium however.

The illustration below compares Subaru Outback car insurance rates with and without policy discounts. The data is based on a female driver, no claims, a clean driving record, Oklahoma state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, claim-free, and marriage discounts applied.

Larger insurance companies and their offered discounts are outlined below.

Before purchasing a policy, check with each company how you can save money. Some discounts may not apply to policies in your area.

When to get advice from an insurance agent

Certain consumers prefer to talk to a local agent and that is OK! A nice benefit of comparing car insurance online is you can get cheaper auto insurance rates but also keep your business local.

Find insurance agent in Oklahoma CityBy using this simple form, your information is submitted to local insurance agents who will return price quotes to get your business. It’s much easier because you don’t need to leave your computer due to the fact that quote results will go to you. You can find lower rates AND a local agent. If for some reason you want to compare rates from a particular provider, don’t hesitate to navigate to their website and give them your coverage information.

Deciding on an company is decision based upon more than just the premium amount. The questions below may impact your decision as well.

Two types of Oklahoma City auto insurance agents

When researching a local Oklahoma City insurance agent, you should know the types of insurance agents that you can select. Car insurance policy providers may be either exclusive agents or independent agents.

Exclusive Insurance Agencies

These type of agents have only one company to place business with such as Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to give you multiple price quotes so always compare other rates. Exclusive agencies are highly trained on what they offer which helps them sell on service rather than price.

Shown below are exclusive insurance agents in Oklahoma City who may provide you with comparison quotes.

5909 Northwest Expy #105Oklahoma City, OK 73132(405) 722-5858View Map

9509 N Council RdOklahoma City, OK 73162(405) 721-1423View Map

12325 N May Ave #117Oklahoma City, OK 73120(405) 751-1860View Map

View more Oklahoma City agents

Independent Agents (or Brokers)

Independent agencies are not limited to a single company so as a result can place your coverage with lots of companies and possibly get better coverage at lower prices. If premiums increase, the agent simply finds a different carrier which makes it simple for you. When comparing rate quotes, you absolutely need to get rate quotes from multiple independent agents to maximize your price options.

Listed below is a list of independent agents in Oklahoma City who can help you get rate quotes.

5002 S Anderson RdOklahoma City, OK 73150(405) 737-6231View Map

538 E Memorial RdOklahoma City, OK 73114(405) 608-4422View Map

324 W Hefner RdOklahoma City, OK 73114(405) 755-4571View Map

View more Oklahoma City agents

Shop smart and save

We just showed you some good ideas how you can find affordable Subaru Outback insurance in Oklahoma City. The key thing to remember is the more you quote Oklahoma City auto insurance, the higher your chance of finding cheaper Oklahoma City auto insurance quotes. Consumers could even find that the biggest savings come from some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

Budget-friendly auto insurance in Oklahoma City can be sourced on the web as well as from independent agents in Oklahoma City, so you should compare both in order to have the best chance of saving money. Some insurance providers do not provide internet price quotes and many times these regional insurance providers sell through independent insurance agencies.

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