Cheap 2012 Subaru Legacy Insurance Quotes

Are you overwhelmed by the crazy number of car insurance company choices? You’re not alone. Drivers have so many options available that it can easily become a real challenge to find lower rates.

You should take the time to compare rates yearly because insurance rates fluctuate regularly. Even if you think you had the best deal on Legacy insurance a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the quickest way to lower your rates without sacrificing coverage.

The purpose of this article is to tell you how to effectively get price quotes. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. But drivers need to learn the way companies price online insurance and apply this information to your search.

Lesser-known factors impacting Subaru Legacy insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating your insurance rates. Knowing what influences your rates allows you to make educated decisions that can help you get big savings.

Shown below are some of the items companies use to determine your rates.

  • One company can mean more discounts – Most insurance companies will award you with lower prices to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare other company rates to verify if the discount is saving money.
  • High credit ratings translate to low rates – Your credit score is a big factor in determining your rates. If your credit is lower than you’d like, you could be paying less to insure your 2012 Subaru Legacy by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit.
  • Optional equipment can affect rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Low deductibles can be expensive – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Subaru from damage. Some instances where coverage would apply are collision with another vehicle, collision with an animal, or theft. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Legacy insurance.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Most are applied when you quote, but a few need to be specially asked for before being credited.

  • Senior Discount – Older drivers can possibly qualify for a discount up to 10% on Legacy insurance.
  • Good Student – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Bundle and Save – When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Homeowners Savings – Owning a house may trigger a insurance policy discount because maintaining a house demonstrates responsibility.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Accident Waiver – Some insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.

Keep in mind that some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will reduce your overall premium however.

For a list of companies with discount insurance rates, click this link.

Everyone needs different coverages

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions might point out if you would benefit from an agent’s advice.

  • Is a fancy paint job covered?
  • Should I waive the damage coverage when renting a car?
  • Will I lose any money if I cancel my policy before it expires?
  • How much underlying liability do I need for an umbrella policy?
  • What is PIP insurance?
  • How high should deductibles be on a 2012 Subaru Legacy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage when using my vehicle for my home business?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverages explained

Having a good grasp of your car insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage will cover damage or injury you incur to a person or their property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like structural damage, repair bills for other people’s vehicles, medical expenses, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, a broken windshield, falling objects, theft and vandalism. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for things like rehabilitation expenses, X-ray expenses and EMT expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced full coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

We covered many tips how you can save on 2012 Subaru Legacy insurance. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a small local company.

The cheapest insurance can be sourced both online and also from your neighborhood agents, so compare prices from both to have the best selection. There are still a few companies who may not provide online price quotes and these small, regional companies work with independent agents.

Even more information can be found at these sites: