Save on 1999 Subaru Legacy Insurance Cost

Having to pay for overpriced insurance coverage can take a big chunk out of your bank account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. With consumers having so many options, it can be diffult for consumers to choose the most affordable provider.

This article will tell you how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you should be able to reduce your rates substantially using these techniques. Consumers just need to understand the proper methods to get comparison rates online.

How to Compare Car Insurance Quotes

All major car insurance companies quote pricing on their websites. Obtaining pricing doesn’t take much effort as you just type in your coverage preferences as requested by the quote form. After the form is submitted, their rating system will obtain information on your driving record and credit history and generates pricing information. Online price quotes helps simplify price comparisons, but the process of having to visit several different sites and enter the same data into a form is not the best way to spend an afternoon. But it’s very important to get many rate quotes in order to find lower prices.

An easier way to compare car insurance pricing requires only one form that obtains quotes from several different companies. The form is fast, eliminates repetitive work, and makes online quotes a lot less work. Immediately after submitting the form, your coverage is rated and you can choose any or none of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process takes just a few minutes to complete and can result in significant savings.

To find out what other companies charge, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you complete the form with the coverages as close as possible to your current policy. This guarantees you will have an apples-to-apples comparison for the exact same coverage.

Factors influencing Subaru Legacy insurance rates

It’s important that you understand the factors that come into play when calculating your insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes some of the items that factor into premiums.

  • Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. Safe vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Subaru Legacy earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Older drivers save more – Mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Teenage drivers have a tendency to be more careless in a vehicle therefore insurance rates are much higher.
  • Do you qualify for a multi-policy discount? – Some insurance companies give discounts to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to verify if the discount is saving money. Drivers may still find a better deal by buying insurance from more than one company.
  • Where you live can impact rates – Residing in small towns and rural areas can be a good thing when buying insurance. Urban drivers tend to have much more traffic and longer commute times. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Most are applied when you purchase, but some must be requested specifically before you get the savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Legacy coverage.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Accident Waiver – A handful of insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
  • College Student – Children who live away from home and don’t have a car may be able to be covered for less.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Multi-policy Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
  • Early Switch Discount – Some companies give discounts for buying a policy before your current expiration date. It’s a savings of about 10%.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. Any qualifying discounts will reduce your premiums.

For a list of companies who offer insurance coverage discounts, click this link.

Situations that might require an agent

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you would benefit from an agent’s advice.

  • Are my friends covered when driving my 1999 Subaru Legacy?
  • What is the minimum liability in my state?
  • What happens if I owe more than my 1999 Subaru Legacy is worth?
  • How can I get my company to pay me more for my totalled car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How many claims can I have before being cancelled?
  • Do I need rental car coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when using my vehicle for business?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Liability auto insurance

This coverage will cover injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, repair bills for other people’s vehicles and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This will pay to fix damage to your Legacy resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, hitting a parking meter, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1999 Subaru Legacy.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, damage from getting keyed and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses like funeral costs, ambulance fees and X-ray expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Final considerations

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at an affordable rate.

You just read a lot of techniques to save on 1999 Subaru Legacy insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

Lower-priced insurance is attainable online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

More detailed insurance information can be found by following these links: