The best way to get low-cost Subaru Outback insurance is to annually compare prices from providers that insure vehicles in Nashville. Price quotes can be compared by completing these steps.
- First, try to learn about individual coverages and the things you can change to prevent high rates. Many things that cause rate increases like multiple speeding tickets and a bad credit score can be amended by making small lifestyle or driving habit changes.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of companies.
- Third, compare the price quotes to your current policy premium to see if switching to a new carrier will save money. If you can save some money and buy the policy, ensure there is no coverage lapse between policies.
- Fourth, tell your current company of your decision to cancel your current car insurance policy. Submit a completed policy application and payment to the new company. Once coverage is bound, place your new proof of insurance paperwork somewhere easily accessible.
The most important part of this process is to use identical deductibles and limits on each quote and to quote with as many car insurance companies as possible. Doing this provides a fair rate comparison and the best price selection.
Amazingly, a large majority of drivers renewed their policy with the same company for at least the last four years, and just under half have never compared auto insurance rates at all. Most drivers in Nashville could pocket 35% a year by just comparing quotes, but they underestimate the rate savings if they switched.
Compare Subaru Outback insurance rates
To find the best car insurance rates, there are several ways to compare rate quotes from all the different companies. The fastest way to find the lowest Subaru Outback rates is to perform an online rate comparison. When price shopping your coverage, comparing a large number of companies will increase your chances of finding a lower rate. Some regional insurers cannot provide price estimates online, so it’s necessary to compare rates from the smaller companies as well.
The following companies offer free quotes in Nashville, TN. If you want to find cheap car insurance in Nashville, TN, we recommend you get price quotes from several of them to find the most competitive car insurance rates.
Three reasons to not skimp on auto insurance
Despite the fact that auto insurance is not cheap in Nashville, insuring your vehicle serves several important purposes.
- The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance in order to get the vehicle licensed. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your Subaru, almost every bank will make it mandatory that you buy insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender will be forced to insure your Subaru at a much higher rate and force you to reimburse them a much higher amount than you were paying before.
- Auto insurance protects both your vehicle and your assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of carrying enough insurance more than cancel out the cost, particularly when you have a large claim. Today the average American driver is wasting up to $800 each year so compare quotes from several companies at every renewal to ensure rates are inline.
Subaru Outback insurance statistics and information
The table below highlights detailed analysis of rate quotes for Subaru Outback models. Being more informed about how insurance policy premiums are formulated helps drivers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $204 | $250 | $288 | $18 | $86 | $846 | $71 |
| Outback 2.5I Premium | $204 | $304 | $288 | $18 | $86 | $900 | $75 |
| Outback 2.5I Limited | $204 | $304 | $288 | $18 | $86 | $900 | $75 |
| Outback 3.6R | $204 | $304 | $288 | $18 | $86 | $900 | $75 |
| Outback 3.6R Premium | $204 | $304 | $288 | $18 | $86 | $900 | $75 |
| Outback 3.6R Limited | $228 | $358 | $288 | $18 | $86 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in Nashville location which can influence premium rates considerably.
Deductible analysis
One frequently asked question is what deductibles to buy. The rates below may help to illustrate the difference in cost of buying low and high deductibles. The first set of rates uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $280 | $368 | $288 | $18 | $86 | $1,065 | $89 |
| Outback 2.5I Premium | $280 | $448 | $288 | $18 | $86 | $1,145 | $95 |
| Outback 2.5I Limited | $280 | $448 | $288 | $18 | $86 | $1,145 | $95 |
| Outback 3.6R | $280 | $448 | $288 | $18 | $86 | $1,145 | $95 |
| Outback 3.6R Premium | $280 | $448 | $288 | $18 | $86 | $1,145 | $95 |
| Outback 3.6R Limited | $312 | $528 | $288 | $18 | $86 | $1,257 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $204 | $250 | $288 | $18 | $86 | $846 | $71 |
| Outback 2.5I Premium | $204 | $304 | $288 | $18 | $86 | $900 | $75 |
| Outback 2.5I Limited | $204 | $304 | $288 | $18 | $86 | $900 | $75 |
| Outback 3.6R | $204 | $304 | $288 | $18 | $86 | $900 | $75 |
| Outback 3.6R Premium | $204 | $304 | $288 | $18 | $86 | $900 | $75 |
| Outback 3.6R Limited | $228 | $358 | $288 | $18 | $86 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in specific location which can modify insurance rates considerably.
Based on the data above, we can derive that using a $100 deductible costs roughly $20 more each month or $240 each year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 20 months between claims, you would probably save some money by going with a higher deductible.
The illustration below highlights how deductible selection and can impact Subaru Outback premium costs for each age group. Data assumes a married male driver, full physical damage coverage, and no additional discounts are factored in.
Auto insurance cost for men versus women
The illustration below visualizes the comparison of Subaru Outback insurance costs for male and female drivers. The costs are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are applied.
Affordable Nashville auto insurance rates with discounts
Some companies don’t always list every possible discount very clearly, so we researched both well-publicized and the harder-to-find credits available to lower your premiums when you buy Nashville auto insurance online.
- Driving Data Discount – Policyholders that allow their auto insurance company to study driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
- Driver Safety – Completing a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
- Discounts for Government Workers – Active or former government employment may qualify for a discount when you quote Nashville auto insurance with some auto insurance companies.
- Discounts for Cautious Drivers – Accident-free drivers could pay up to 40% less than drivers with accidents.
- Paperwork-free – A few insurance companies will give a small break for buying your policy digitally online.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
- Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save a little off the personal injury premium cost.
- Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control are much safer to drive and will save you 10% or more on Outback insurance in Nashville.
- 55 and Retired – Seniors can get a small decrease in premiums.
- Pay Early and Save – By paying your entire bill at once rather than paying monthly you could save up to 5%.
Keep in mind that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you won’t be that lucky. But all discounts will lower the amount you pay for coverage.
The information below visualizes the comparison of Subaru Outback insurance prices with and without discounts applied to the premium. The rates are based on a male driver, a clean driving record, no claims, Tennessee state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, homeowner, multi-policy, and multi-car discounts applied.
If you would like to view auto insurance companies with the best discounts in Tennessee, click this link.
When to have guidance from an insurance agent
Some consumers would prefer to talk to an insurance agent and doing so can bring peace of mind One of the benefits of comparing rates online is you can get better rates and still buy from a local agent. And supporting local insurance agencies is important especially in Nashville.
Once you complete this quick form, your insurance coverage information gets sent to participating agents in Nashville who will give competitive quotes for your insurance coverage. You won’t even need to drive around since rate quotes are delivered to your email. You can find the lowest rates AND an agent nearby. If you need to quote rates from a specific insurance provider, feel free to jump over to their website and complete a quote there.
Pick the best auto insurance agent in Nashville for you
When finding a reputable insurance agent or broker, you need to know there are two types of insurance agents and how they can quote your rates. Insurance agencies are either exclusive agents or independent agents.
Independent Insurance Agents (or Brokers)
These type of agents are normally appointed by many insurers so they can insure your vehicles with many different companies depending on which coverage is best. If premiums increase, they simply move your policy to a different company and the insured can keep the same agent.
When searching for an agent, you absolutely need to get rate quotes from several independent agencies to get the most accurate price comparison. They also have the ability to place coverage with different regional companies which can be an advantage.
Below is a partial list of independent agencies in Nashville that may be able to give you free insurance quotes.
- Prince Insurance Agency, Inc.
1101 Kermit Dr #205 – Nashville, TN 37217 – (615) 823-6987 – View Map - Zander Insurance Group
6213 Charlotte Pike – Nashville, TN 37209 – (615) 356-1700 – View Map - Nationwide Insurance: April Bowers Agency Inc
211 Donelson Pike #8 – Nashville, TN 37214 – (615) 883-8183 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents normally can only provide a single company’s rates and examples are Farmers Insurance and State Farm. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents receive extensive training on the products they sell which helps overcome the inability to quote other rates. Consumers often buy from exclusive agents mainly due to the brand legacy and the convenience of having a single billing for all their coverages.
Shown below are exclusive agencies in Nashville who can help you get price quotes.
- Adam Darby – State Farm Insurance Agent
7041 Hwy 70 S #101 – Nashville, TN 37221 – (615) 869-7600 – View Map - Terry W Jones – State Farm Insurance Agent
545 Mainstream Dr Ste 104 – Nashville, TN 37228 – (615) 256-6066 – View Map - Vernon Wells – State Farm Insurance Agent
4704 Nolensville Rd – Nashville, TN 37211 – (615) 833-6333 – View Map
Finding the right insurance agent needs to be determined by more than just a cheap price quote. Before buying a policy in Nashville, get answers to these questions.
- What kind of financial rating does the company have?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they review policy coverages at every renewal?
- Do you need full coverage on every vehicle?
- Do they offer accident forgiveness?
- Does the quote include credit and driving reports?
Which auto insurance company is best in Nashville?
Picking a high-quality insurance company can be difficult considering how many companies are available to choose from in Nashville. The company rank data in the lists below could help you analyze which insurers you want to consider shopping prices with.
Top 10 Nashville Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Nashville Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- Erie Insurance
- Esurance
- The General
You can lower your insurance rates
Budget-conscious Subaru Outback insurance is available online as well as from independent agents in Nashville, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide rates over the internet and many times these smaller companies only sell through local independent agents.
When searching for cheaper Nashville auto insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.
We just presented many ideas to get a better price on Subaru Outback insurance in Nashville. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the lowest rates come from an unexpected company.
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