View 1994 Subaru Legacy Insurance Quotes

Trying to find cheaper car insurance rates? Buyers have options when searching for affordable Subaru Legacy insurance. You can either waste hours calling around getting price quotes or leverage the internet to compare rates.

There is a better way to find car insurance online so we’re going to tell you the proper way to quote coverages on a Subaru and get the cheapest rates from local insurance agents and online providers.

The best way we recommend to compare rate quotes utilizes the fact most insurance companies participate in online systems to give free rates quotes. To start a quote, the only thing you need to do is give them some information including the ages of drivers, if your license is active, what you do for a living, and whether you have decent credit. The data is then sent to many of the top insurers and you should receive rate quotes immediately.

If you wish to get multiple quotes for your Subaru Legacy now, click here and complete the quick form.

Do you qualify for discounts?

Some providers don’t always advertise every policy discount very clearly, so the list below details a few of the more common and the harder-to-find insurance coverage savings.

  • Paperwork-free – A handful of companies will give you a small discount for buying your policy on the web.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
  • Include Life Insurance and Save – Larger insurance companies have a lower rate if you buy some life insurance too.
  • Data Collection Discounts – Drivers who elect to allow driving data submission to study when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as they are good drivers.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks on one policy qualifies for this discount.
  • Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Senior Citizen Discount – Seniors can get reduced rates for Legacy coverage.

You can save money using discounts, but most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works.

Popular insurance coverage companies and their possible discounts are included below.

  • Farm Bureau offers discounts for driver training, 55 and retired, multi-policy, safe driver, and youthful driver.
  • State Farm offers premium reductions for multiple policy, safe vehicle, passive restraint, Steer Clear safe driver discount, driver’s education, and Drive Safe & Save.
  • Progressive includes discounts for continuous coverage, multi-policy, online quote discount, multi-vehicle, online signing, good student, and homeowner.
  • Allstate has savings for EZ pay plan discount, 55 and retired, resident student, utility vehicle, early signing, premier plus, and good student.
  • Nationwide offers discounts including family plan, easy pay, multi-policy, Farm Bureau membership, defensive driving, accident-free, and anti-theft.
  • MetLife has discounts for accident-free, multi-policy, good student, good driver, and defensive driver.

When getting a coverage quote, ask all the companies to give you their best rates. Savings might not be offered in your area. To view insurers who offer insurance coverage discounts, click here.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help highlight whether or not you may require specific advice.

  • Are my friends covered when driving my car?
  • Does my policy cover me when driving someone else’s vehicle?
  • What can I do if my company denied a claim?
  • Why am I required to get a high-risk car insurance policy?
  • Is rental equipment covered for theft or damage?
  • Does insurance cover tools stolen from my truck?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I carry comprehensive and collision coverage?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Insurance policy specifics

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses for prosthetic devices, funeral costs, rehabilitation expenses, surgery and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, hitting a deer and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision – Collision coverage pays for damage to your Legacy resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance – Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from 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. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like repair bills for other people’s vehicles, medical services, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comments About 1994 Subaru Legacy Insurance

  1. Allyson Dickerson

    I live in a small town just outside of Tucson, AZ, and 21st Century rates were best. Good multi-policy discounts. Only insure liability on my Legacy.

  2. Mel Decker

    Cheaper car insurance is a myth. I’m in the south part of Hilo, Hawaii. I got free rates from Safeco, Esurance, State Farm, and American Family for my Subaru and I think I am saving around $30 each month. Insured with Eastwood before. Have an at-fault accident tho. I only have liability coverage on it.

  3. Ezekiel Garcia

    Mine is so expensive. Went with Hanover for my Subaru and cut my rates about $110 a year. Wish I didn’t have to insure at all. Book value doesn’t justify full coverage anymore.

  4. Kassie Pope

    Does Iowa have minimum liability requirements?

  5. Betsey Kent

    Mine is so expensive. Proud to be from Dover, Delaware. I compared lots of rates. Saved roughly $20 a month. Progressive was the cheapest option for me.

  6. Josefina Lucas

    I found pretty cheap rate quotes for a 1994 Subaru Legacy in Lewiston, ME. Ended up at right around $120 every six months with AIG Insurance. Insured with Hartford before. I’m a pretty good driver though. Wish I didn’t have to insure at all. I only have liability coverage on it.

  7. Billi Walker

    I’m in the west part of Minneapolis, MN. Quoted rates from Travelers, American Family, The General, and Safeco for my Legacy and saved just over $70 a year. BTW speeding tickets are not good. Just waiting to see how claims go. Next renewal I’ll just do liability.

  8. Shavon Barker

    If you have a clean record and are close to Wichita, KS, check out State Farm. You might save some money. Have an at-fault accident tho.

  9. Tawna Duncan

    Lots of good stuff here. Checking in from Saint Paul, Minnesota. I don’t recall every quote but I ended up saving about $30 each month. Not sure about claim service. Next renewal I’ll just do liability.

  10. Antone Leonard

    Enjoyed the article. Quoted with Esurance for my 1994 Subaru Legacy and saved around $80 a year. Good savings if you bundle. I got prices on the web. Liability only on my Subaru.

  11. Hilma Bird

    What is UM/UIM coverage?

  12. Cherri Hays

    I’m in Fayetteville, AR. Don’t remember every company but I ended up saving about $20 each month. Was with MetLife. They have a lot of discounts available. Online quotes are the way to go. My Legacy doesn’t have full coverage.

  13. Lieselotte Kelly

    Why are claims settled so low?

  14. Sasha Oneal

    Lots of good stuff here. I live just outside Allentown, PA. Got quotes with State Farm, Amica, and some I forget for my 1994 Subaru Legacy and saved just over $80 a year. I got a quote from their website. I’m thinking about dropping full coverage though.