View 2018 Subaru Legacy Insurance Quotes

Looking for cheaper auto insurance rates for your Subaru Legacy? Finding cheaper insurance for your Subaru Legacy can be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to buy auto insurance and we’ll show you the best way to quote coverages for a Subaru and find the best price possible.

If you are insured now or are looking for a new policy, you will benefit by learning to cut your premiums and still get good coverage. Buying the lowest cost protection is simple if you know the tricks. Drivers just need to know the most efficient way to compare company rates online.

Shop insurance coverage online

All the larger insurance coverage companies like Progressive, Geico, Allstate and State Farm give pricing on their websites. This process is pretty easy as you simply enter the amount of coverage you want as requested by the quote form. After you submit the form their rating system collects your credit score and driving record and returns pricing information based on these and other factors.

This helps simplify price comparisons, but the time required to go to a lot of sites and fill out multiple forms is a waste of time. But it’s absolutely necessary to compare as many rates as possible if you want to get the lowest price.

Online rates the easy way

A quicker way to lower your rates utilizes a single form to return rates from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes online shopping a lot less work. After your information is entered, it gets priced and you can choose your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It only takes a few minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you input deductibles and limits as close as possible to your current policy. This ensures you will receive rate quotes for similar coverage.

More discounts mean lower-cost premiums

Some insurance providers don’t list the entire discount list in a way that’s easy to find, so the following list contains some of the more common and also the more inconspicuous credits available to bring down your rates.

  • New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper due to better safety requirements for new vehicles.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Legacy coverage but check with your company.
  • Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase a life policy as well.
  • Professional Organizations – Belonging to qualifying employment or professional organizations can get you a small discount on your policy.
  • E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks for buying your policy on the internet.
  • Mature Driver Discount – Seniors may qualify for better insurance rates on Legacy coverage.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Active Service Discounts – Having a deployed family member could qualify you for better rates.

Remember that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, nobody gets a free ride.

To find companies with the best discounts, click here.

Five tips to get cheap insurance premiums

Part of the insurance coverage buying process is learning a few of the rating criteria that are used to determine your premiums. When consumers understand what influences your rates, this enables you to make decisions that may reward you with lower premium levels.

The list below includes a few of the “ingredients” utilized by car insurance companies to help set premiums.

  • Annual mileage and car insurance rates – The higher the mileage driven each year the higher your rates will be. Almost all companies calculate rates based upon how much you drive. Autos not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your Legacy can cost quite a bit. Double check that your vehicle rating is rated on the right rating data.
  • Your address can influence premiums – Living in less populated areas of the country has it’s advantages when buying insurance coverage. Residents of big cities have to deal with traffic congestion and longer commutes to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Drive a safer car and pay less – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles reduce occupant injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Higher prices for specific employers – Jobs like real estate brokers, business owners and emergency personnel generally have higher premiums than the average policyholder in part from intense work requirements and extremely grueling work hours. Conversely, occupations such as scientists, historians and homemakers pay the least on Legacy coverage.
  • Which gender costs less? – Over the last 50 years, statistics have shown that women are safer drivers than men. The data does not necessarily mean that women are better drivers. They both cause auto accidents in similar numbers, but the male of the species have accidents that have higher claims. Men also get ticketed for serious violations such as DWI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore have the most expensive insurance coverage rates.

It’s not one size fits all

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • What exactly is covered by my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is motorclub coverage worth it?
  • Do I have any recourse if my insurance company denies a claim?
  • How high should deductibles be on a 2018 Subaru Legacy?
  • Can I drive in Mexico and have coverage?
  • Can my teen drive my company car?
  • Are rock chip repairs covered?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

The largest companies are not always cheapest

Consumers can’t ignore all the ads that claim the best premium rates from the likes of Progressive, Geico, Allstate and State Farm. All the ads make the point that drivers can save some big amount if you change to them.

Is it even possible that every company can cost less than your current company?

Companies have underwriting criteria for the type of driver that will be a good risk. A good example of a desirable risk may be between 30 and 50, has other policies, and does not commute to work. Any person that fits those parameters will get the preferred premium rates and therefore will cut their rates substantially.

Drivers who don’t meet this ideal profile will be charged a higher rate which usually ends up with the customer buying from a different company. The trick companies use is to say “customers that switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently make those statements.

Because each company has a different risk profile, you should compare many company’s rates. It is impossible to predict which car insurance company will have the lowest rates.

Insurance coverage basics

Understanding the coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability auto insurance

This coverage protects you from injuries or damage you cause to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like structural damage, pain and suffering and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, rock chips in glass, damage from getting keyed and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Subaru Legacy.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses like surgery, hospital visits, pain medications and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Cheaper insurance is a realistic goal

When you buy auto insurance online, don’t be tempted to buy poor coverage just to save money. There are too many instances where an insured dropped physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

People who switch companies do it for many reasons like high prices, lack of trust in their agent, delays in paying claims and policy cancellation. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

Throughout this article, we presented many tips how you can compare 2018 Subaru Legacy insurance auto insurance rates online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheap auto insurance. You may even discover the lowest priced car insurance comes from a smaller regional carrier.

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