Save Money on Subaru Tribeca Insurance in Lubbock

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Discount Subaru Tribeca insuranceDo you want to learn to get cheaper car insurance rates in Lubbock, TX? Lubbock buyers have a choice when searching for low-cost Subaru Tribeca insurance. They can either waste time calling around to compare prices or use the internet to find the lowest rates.

There is a right way and a wrong way to buy car insurance so we're going to tell you the proper way to compare rates for your Subaru and find the best price possible.

Consumers need to do price comparisons at least once a year since rates are constantly changing. If you had the best deal on Subaru Tribeca insurance in Lubbock at your last renewal you will most likely find a better price today. Ignore everything you know about car insurance because you're about to learn the proper way to properly buy coverages while reducing your premium.

Getting cheap Subaru Tribeca auto insurance pricing can be surprisingly simple. You just need to spend a few minutes to compare rates to find the company with low cost Lubbock car insurance quotes.

The car insurance companies shown below offer price comparisons in Texas. To buy cheap car insurance in Lubbock, TX, it's a good idea that you visit several of them to get the most competitive price.

Facts and figures for Subaru Tribeca insurance

The information below showcases different insurance rates for Subaru Tribeca models. Having a good understanding how policy rates are established is important to be able to make decisions when shopping your coverage around.

Subaru Tribeca Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribeca 3.6R Limited $200 $360 $388 $24 $116 $1,088 $91
Tribeca 3.6R Premium $200 $360 $388 $24 $116 $1,088 $91
Tribeca 3.6R Touring $222 $360 $388 $24 $116 $1,110 $93
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Prices do not factor in specific location which can increase or decrease premium rates greatly.

Physical damage deductibles

When buying car insurance, a common question is which deductibles should you choose. The comparisons below lay out the rate differences between low and high deductibles. The first rate quote example uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Subaru Tribeca insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribeca 3.6R Limited $370 $698 $382 $22 $114 $1,611 $134
Tribeca 3.6R Premium $370 $698 $382 $22 $114 $1,611 $134
Tribeca 3.6R Touring $412 $698 $382 $22 $114 $1,653 $138
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Subaru Tribeca insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribeca 3.6R Limited $270 $472 $382 $22 $114 $1,260 $105
Tribeca 3.6R Premium $270 $472 $382 $22 $114 $1,260 $105
Tribeca 3.6R Touring $300 $472 $382 $22 $114 $1,290 $108
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific location which can decrease or increase price quotes significantly.

Based on the data above, we can derive that using a $100 deductible costs about $29 more each month or $348 for a full year averaged for all Tribeca models than choosing the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go at least 14 months between claims, you would save more money if you decide on a higher deductible.

Drive responsibly or pay higher rates

The example below demonstrates how citations and accident claims influence Subaru Tribeca insurance prices for each age group. The premiums assume a married female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Car insurance cost for men versus women in Lubbock

The chart below visualizes the comparison of Subaru Tribeca auto insurance rates for male and female drivers. The information is based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

Price comparison of only insuring for liability

The diagram below shows the comparison of Subaru Tribeca premium costs with full physical damage coverage and with liability coverage only. The data assumes no violations or accidents, $250 deductibles, drivers are single, and no discounts are applied.

Should you buy full coverage or liability only?

There is no written rule that works best for making the decision to drop full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's assume your Subaru Tribeca replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after you pay the deductible. If you are paying more than $400 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

It may be expensive, but it's not optional

Despite the high cost of buying insurance for a Subaru Tribeca in Lubbock, maintaining insurance is required in Texas but it also protects you in many ways.

  • The majority of states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your Tribeca, it's guaranteed your bank will require that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Subaru at a more expensive rate and force you to reimburse them for it.
  • Auto insurance preserves your Subaru and your assets. It will also provide coverage for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also pays for attorney fees and expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. The average driver in Texas is wasting up to $810 a year so it's recommended you shop around each time the policy renews to make sure the price is not too high.

Why Your Insurance Prices might be higher

Lots of factors are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but some are more obscure like your vehicle usage or your commute time.

The following are some of the major factors car insurance companies consider when setting premiums.

  • Insurance rates in urban areas - Residing in a small town has it's advantages when it comes to car insurance. Less people means reduced accidents. Residents of big cities have more traffic problems and more severe claims. Higher commute times means more chances of being involved in an auto accident.
  • Cheaper rates with high comp and collision deductibles - Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some instances where coverage would apply would be a broken windshield, damage from fire, and damage caused by flying debris. The deductibles you choose represent how much money you are willing to pay if a claim is determined to be covered. The more damage repair cost you pay before a claim is paid (deductible), the bigger discount you will receive.
  • Premiums increase with policy add-ons - There are many additional extra coverages that you can buy when buying car insurance. Insurance for things like replacement cost coverage, better glass coverage, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea when talking to your agent, but if you don't need them get rid of them and save.
  • Type of car determines base premiums - The type of car or truck you are buying insurance for makes a significant difference in your auto insurance rates. The most favorable rates tend to be for lower cost passenger models, but there are many factors that impact the final cost.

    The chart below is based on a married male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Subaru Tribeca insurance rates compared to other models that have different performances.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Every insured's situation is different.Drive safe and save

For instance, these questions might help in determining whether or not you could use an agent's help.

  • What are good deductibles for a Subaru Tribeca?
  • Is water damage covered by my policy?
  • Is my nanny covered when driving my vehicle?
  • Do I need PIP (personal injury protection) coverage in Texas?
  • Is pet coverage available?
  • Do I have newly-acquired coverage?
  • Does every company file a SR-22 automatically?
  • When should I remove my kid from my policy?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Auto insurance savings summarized

As you prepare to switch companies, do not buy poor coverage just to save money. There have been many situations where someone sacrificed liability coverage limits only to regret at claim time that it was a big error on their part. Your strategy should be to buy enough coverage at the best possible price while not skimping on critical coverages.

We covered a lot of ways to find lower-cost Subaru Tribeca insurance in Lubbock. It's most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from a small local company.

Insureds leave their current company for any number of reasons including denial of a claim, delays in paying claims, an unsatisfactory settlement offer and extreme rates for teen drivers. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Steps to buying discount Subaru Tribeca insurance in Lubbock

If saving money is your primary concern, then the best way to find low-cost prices for Subaru Tribeca insurance in Lubbock is to regularly compare prices from companies that sell auto insurance in Texas. You can shop around by following these guidelines.

  1. Spend some time learning about car insurance and the steps you can take to keep rates in check. Many things that result in higher rates like traffic violations, accidents, and poor credit history can be controlled by improving your driving habits or financial responsibility.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple sources.
  3. Compare the new quotes to your existing coverage and determine if there is any savings. If you find better rates and buy the policy, make sure there is no lapse in coverage.

The most important part of shopping around is to try to compare similar limits and deductibles on every price quote and and to look at every company you can. This enables an accurate price comparison and the best rate selection.

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