Compare Subaru Tribeca Insurance Quotes in Plano

Statistics show that the vast majority of consumers in Texas have purchased from the same company for at least the last four years, and almost 40% of drivers have never compared auto insurance rates at all. American drivers can save as much as $860 each year, but they just don’t understand the amount of money they would save if they swap their current policy for a cheaper one.

Insurance quote for Subaru Tribeca in PlanoIf you want to save money, the best way to get discount Subaru Tribeca insurance is to compare prices annually from different companies that insure vehicles in Plano.

A good tip to remember is to make sure you enter the same deductibles and limits on each quote and and to get prices from as many companies as possible. Doing this provides an apples-to-apples comparison and a thorough selection of prices.

Cheaper Subaru Tribeca insurance quotes in Plano

Some insurance providers do not list all discounts in an easy-to-find place, so the list below details both the well known in addition to some of the lesser obvious discounts that may be available.Auto insurance discounts

Don’t be shocked that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

The chart below shows the difference between Subaru Tribeca insurance prices with and without discounts being applied to the rates. The premiums assume a male driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, homeowner, multi-policy, and marriage discounts applied.

To find auto insurance companies with the best discounts in Plano, click this link.

How to lower your Subaru Tribeca insurance cost in Plano

The auto insurance companies shown below are ready to provide comparison quotes in Plano, TX. If you want to find the cheapest car insurance in Plano, TX, it’s a good idea that you visit as many as you can to get the most competitive price.

Subaru Tribeca coverage statistics

The table displayed below highlights estimates of coverage costs for Subaru Tribeca models. Being more informed about how insurance policy rates are formulated can be valuable when making informed decisions when comparing rate quotes.

Subaru Tribeca Insurance Rates in Plano, TX
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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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Prices do not factor in specific Plano garaging location which can raise or lower coverage prices considerably.

Physical damage deductibles: Should you raise them?

One frequently asked question is which deductible level should you buy. The premium rates below can help illustrate the differences in price when you buy lower versus higher deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Subaru Tribeca insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribeca 3.6R Limited $332 $584 $382 $22 $114 $1,459 $122
Tribeca 3.6R Premium $332 $584 $382 $22 $114 $1,459 $122
Tribeca 3.6R Touring $370 $584 $382 $22 $114 $1,497 $125
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Subaru Tribeca insurance prices 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
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Prices do not factor in specific location information which can revise coverage rates significantly.

Based on the figures above, using a $250 deductible costs an average of $17 more each month or $204 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at least 15 months between claims, you would probably come out ahead if you choose the higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $123
Average monthly premium for $500 deductibles (subtract): – $106
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Subaru Tribeca insurance rates by gender in Plano

The information below illustrates the comparison of Subaru Tribeca auto insurance rates for male and female drivers. The data is based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.

Local Plano insurance agencies

Many drivers still like to go talk to an agent and that is not a bad decision Insurance agents will help you protect your assets and help file insurance claims. The best thing about comparing car insurance online is you may find cheap rate quotes and also buy local.

Insurance agents in PlanoTo help locate an agent, after submitting this short form, the quote information is transmitted to agents in your area who will give you bids and help you find cheaper coverage. It’s much easier because you don’t need to leave your computer due to the fact that quote results will go directly to your email. If you wish to compare rates for a specific company, don’t hesitate to go to their quote page to submit a rate quote request.

Selecting an insurer is decision based upon more than just a low price. Before buying a policy in Plano, get answers to these questions.

Insurance agent types

If you prefer to buy car insurance from a reliable insurance agency, it’s important to understand the different types of agents and how they can quote your rates. Car insurance policy providers are categorized either exclusive or independent (non-exclusive). Both can sell affordable car insurance policies, but it’s worth mentioning how they differ since it can affect your agent selection.

Exclusive Agents

Agents of this type can only write with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents receive a lot of sales training on sales techniques which can be an advantage.

The following is a short list of exclusive insurance agents in Plano willing to provide rate quotes.

6833 Coit Rd #100Plano, TX 75024(972) 618-4300View Map

2301 N Central Expy #260Plano, TX 75075(972) 423-7667View Map

1721 W Plano Pkwy Ste 127Plano, TX 75075(972) 596-5511View Map

More Plano agents

Independent Agencies or Brokers

These agents are not restricted to one company and that gives them the ability to insure amongst many companies and find you cheaper rates. If they find a lower price, your policy is moved internally and you stay with the same agent. When comparison shopping, it’s recommended you contact several independent insurance agents to get the most accurate price comparison.

Listed below is a list of independent insurance agents in Plano who can help you get comparison quotes.

542 Haggard St #502Plano, TX 75074(972) 335-4115View Map

3100 Independence Pkwy #216Plano, TX 75075(972) 665-0620View Map

Texas FIrst Rate Insurance Agency
2105 W Spring Creek Pkwy #375cPlano, TX 75023(972) 467-6500View Map

More Plano agents

How to find a good Plano car insurance company

Selecting the best insurance provider can be difficult considering how many companies there are to choose from in Texas. The ranking information shown below may help you choose which coverage providers you want to consider when comparing rates.

Best Car Insurance Companies in Plano
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

You can find cheaper coverage

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

You just learned a lot of techniques to get a better price on Subaru Tribeca insurance in Plano. It’s most important to understand that the more companies you get car insurance rates for, the higher your chance of finding low cost Plano car insurance quotes. Drivers may even discover the lowest priced insurance comes from a smaller regional carrier. Some small companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Lower-priced Subaru Tribeca insurance in Plano is definitely available online and also from your neighborhood Plano agents, so you need to shop Plano car insurance with both in order to have the best price selection to choose from. A few companies don’t offer online quoting and most of the time these smaller providers only sell through local independent agents.

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