No one rejoices having to buy car insurance, particularly when the cost is too high.

Insurance rates Subaru Outback in NorfolkShockingly, the vast majority of drivers have bought car insurance from the same company for at least four years, and roughly 40% of drivers have never compared rates with other companies. Consumers in Norfolk could save $550 each year by just shopping around, but most tend to underestimate the benefits if they just switched companies. There is such a variety of car insurance companies to buy insurance from, and though it is a good thing to have a selection, it can be more difficult to find the lowest cost provider for Subaru Outback insurance in Norfolk.

It is always a good idea to compare premium rates before your next renewal due to the fact that insurance prices are rarely the same from one policy term to another. If you had the lowest quotes on Subaru Outback insurance in Norfolk two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because we're going to show you how to use online quotes to find better rates and still maintain coverage.

Car insurance discounts are available to get cheap rates

Some companies don't necessarily list every available discount very well, so the list below contains both well-publicized and also the more inconspicuous credits available to lower your premiums when you buy Norfolk auto insurance online.

Policy discounts save money, but many deductions do not apply to the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free car insurance policy, company stockholders wouldn't be very happy.

A partial list of companies that possibly offer many of the previously listed discounts possibly include:

If you need affordable Subaru Outback insurance quotes, ask every insurance company what discounts are available to you. Savings might not be offered in Norfolk.

Most major insurance companies make it easy to get insurance quotes from their websites. Getting quotes for Subaru Outback insurance in Norfolk is pretty easy because it's just a matter of typing in your personal and coverage information on the page. Behind the scenes, the company's rating system makes automated requests for credit information and your driving record and provides a quote based on the data you entered. Using the web to get rate quotes for Subaru Outback insurance in Norfolk makes it simple to compare prices and it is important to perform this step if you are searching for affordable rates.

To quickly find out what other companies charge, compare quotes from the companies shown below. To compare your current rates, we recommend you type in the coverages exactly as shown on your declarations page. Doing this assures you're receiving an apples-to-apples comparison using the exact same coverages.

The companies shown below provide comparison quotes in Virginia. If more than one company is shown, we suggest you visit as many as you can in order to get a fair rate comparison.

Subaru Outback Insurance Price Estimates in Norfolk, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $108 $148 $248 $14 $74 $592 $49
Outback 2.5I Premium $220 $386 $312 $18 $94 $1,030 $86
Outback 2.5I Limited $220 $386 $312 $18 $94 $1,030 $86
Outback 3.6R $134 $206 $262 $16 $78 $696 $58
Outback 3.6R Premium $204 $308 $266 $16 $80 $874 $73
Outback 3.6R Limited $226 $392 $348 $20 $104 $1,090 $91
Get Your Own Custom Quote Go

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in your specific Norfolk location which can influence coverage rates substantially.

Deductible comparison

When shopping for auto insurance, a common question is which deductible level should you buy. The tables below sum up the premium difference of buying low and high policy deductibles. The first rate quote example uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.

Subaru Outback insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $250 $328 $258 $16 $78 $955 $80
Outback 2.5I Premium $250 $400 $258 $16 $78 $1,027 $86
Outback 2.5I Limited $250 $400 $258 $16 $78 $1,027 $86
Outback 3.6R $250 $400 $258 $16 $78 $1,027 $86
Outback 3.6R Premium $250 $400 $258 $16 $78 $1,027 $86
Outback 3.6R Limited $278 $472 $258 $16 $78 $1,127 $94
Get Your Own Custom Quote Go
Subaru Outback insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $182 $222 $258 $16 $78 $756 $63
Outback 2.5I Premium $182 $270 $258 $16 $78 $804 $67
Outback 2.5I Limited $182 $270 $258 $16 $78 $804 $67
Outback 3.6R $182 $270 $258 $16 $78 $804 $67
Outback 3.6R Premium $182 $270 $258 $16 $78 $804 $67
Outback 3.6R Limited $204 $318 $258 $16 $78 $874 $73
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in vehicle garaging location which can influence coverage rates considerably.

Based on the figures above, using a $100 deductible will cost you about $19 more each month or $228 each year than opting for the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go more than 21 months between claims, you would save money if you opt for a higher deductible. The table below illustrates the way you can make your own decision.

Average monthly premium for $100 deductibles: $86
Average monthly premium for $500 deductibles (subtract): - $67
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important caveat is that increasing deductibles to lower your rates means you will have to pay more of your own money at claim time. That will require some funds available in the event you need to pay the higher deductible in order to repair your vehicle.

What Determines Subaru Outback Insurance Prices?

Many different elements are part of the equation when pricing auto insurance. Some factors are common sense such as traffic violations, but others are not as apparent like your continuous coverage or how financially stable you are.

Local Norfolk insurance agents and auto insurance

Certain consumers still like to sit down with an agent. Professional agents are trained to spot inefficiencies and help in the event of a claim. One of the benefits of comparing insurance prices online is that you can obtain cheap auto insurance rates but also keep your business local. And buying from local insurance agencies is still important in Norfolk.

Upon completion of this quick form, your insurance coverage information gets sent to insurance agents in Norfolk who will gladly provide quotes for your auto insurance coverage. It's much easier because you don't need to contact any agents since rate quotes are delivered directly to you. If you want to compare rates from a specific auto insurance provider, you just need to go to their quote page and complete a quote there.

Below are Norfolk insurers that can give you price quotes for Subaru Outback insurance in Norfolk.


1507 E Bayview Blvd a - Norfolk, VA 23503 - (757) 588-4343 - View Map

Met Life Auto and Home Insurance
Norfolk, VA 23502 - Norfolk, VA 23502 - (757) 747-2381 - View Map


7425 Tidewater Dr - Norfolk, VA 23505 - (757) 583-4589 - View Map


3016 E Princess Anne Rd d - Norfolk, VA 23504 - (757) 512-5034 - View Map

More Norfolk agents

Choosing an insurance company requires you to look at more than just a cheap price. Any agent in Norfolk should be willing to answer these questions.

Why you need insurance for your vehicle

Despite the high cost of buying insurance for a Subaru Outback in Norfolk, car insurance may be required for several reasons.

The benefits of carrying enough insurance outweigh the cost, particularly for liability claims. As of last year, the average driver in Virginia overpays more than $855 a year so you should quote rates at every renewal to ensure rates are inline.

Lower rates by being persistent

While you're price shopping online, it's not a good idea to sacrifice coverage to reduce premiums. In too many instances, an insured cut full coverage and learned later they didn't have enough coverage. Your goal is to purchase plenty of coverage at the best possible price and still be able to protect your assets.

We've covered quite a bit of information on how to save on Subaru Outback insurance in Norfolk. It's most important to understand that the more you quote Norfolk auto insurance, the higher the chance of saving money. You may even discover the lowest car insurance rates are with a lesser-known regional company. Smaller companies may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm and Allstate.

Additional articles