2010 Subaru Legacy Car Insurance Cost – 9 Tricks for Best Prices

Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as many other drivers.

Insurance companies such as Allstate and Progressive all promote huge savings with ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

You should make it a habit to take a look at other company’s rates on a regular basis due to the fact that insurance rates change frequently. Despite the fact that you may have had the lowest rates on Legacy coverage last year you may be paying too much now. Forget all the misinformation about insurance because we’re going to demonstrate one of the best ways to find the best coverage while lowering your premiums.

Comprehensive Car Insurance Comparison Quotes

Most companies allow you to get prices for coverage online. Obtaining pricing is pretty easy as you simply enter your required coverages as detailed in the form. After you submit the form their rating system gets information on your driving record and credit history and returns a price quote. Online quotes simplifies rate comparisons, but the work required to visit a lot of sites and fill out multiple forms can get tiresome after awhile. But it’s very important to have as many quotes as possible in order to find the best price possible.

The better way to compare rates

A more efficient way to lower your rates uses one form that analyzes rates from several different companies. It’s a real time-saver, reduces the work, and makes price shopping online much more efficient. Immediately after you send the form, your coverage is rated and you can choose any or none of the quote results. If a lower price is quoted, you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

To quickly compare pricing, click here and input your coverage information. If you have your current policy handy, we recommend that you enter coverages and limits just like they are on your policy. Doing this assures you will receive a price comparison based on identical coverages.

Are you getting all your discounts?

Companies offering auto insurance do not advertise every discount very clearly, so we took the time to find some of the best known and the more hidden insurance savings.

  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
  • Passive Restraints – Cars that have air bags can qualify for discounts of 20% or more.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on Legacy coverage depending on your company.
  • Life Insurance Discount – Some companies give a break if you buy life insurance.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Safety Course Discount – Completing a defensive driving course could save 5% or more depending on where you live.
  • Low Mileage – Keeping the miles down on your Subaru could qualify for better rates on cars that stay parked.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Accident Waiver – Some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.

Keep in mind that many deductions do not apply the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

To see a list of insurance companies offering insurance discounts, click here to view.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. For example, these questions can aid in determining if you would benefit from an agent’s advice.

  • Am I covered when using my vehicle for business?
  • Does having multiple vehicles earn me a discount?
  • Do all my vehicles need collision coverage?
  • What is medical payments coverage?
  • Can I afford to buy a different vehicle if my 2010 Subaru Legacy is totaled?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What happens if I owe more than my 2010 Subaru Legacy is worth?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverages 101

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2010 Subaru Legacy.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses for things like surgery, funeral costs, X-ray expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

This coverage covers damage to your Legacy caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like repair costs for stationary objects, loss of income, court costs and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, hail damage and falling objects. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Make an honest buck

We just presented a lot of information how to save on 2010 Subaru Legacy insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

When you buy insurance online, do not sacrifice coverage to reduce premiums. Too many times, an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Cheaper insurance can be found on the web and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

More detailed auto insurance information is located at these sites: