How Much Does 1996 Subaru Legacy Car Insurance Cost?

Locating cheaper insurance for a new or used Subaru Legacy can be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for car insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Subaru and locate the lowest possible price.

You need to compare prices yearly since prices change quite often. Even if you think you had the best quotes for Legacy insurance two years ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you’re about to learn the right way to find the best coverage while lowering your premiums.

Finding the best rates is quite easy. If you are insured now or need new coverage, you can use these tips to find better prices while maintaining coverages. Drivers just need to know the proper way to shop their coverage around online.

Compare quotes for insurance coverage

Effectively comparing insurance coverage prices can take hours if you aren’t aware of the easiest way. You can spend your afternoon driving to insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most major companies belong to an insurance system that allows shoppers to submit one quote, and every company can provide price quotes determined by their information. This eliminates the need for quote forms for each company you want a rate for.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to getting quotes like this is you cannot specify the insurers to get quotes from. If you wish to select individual companies to compare rates, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you are comparing the same coverage limits for every company. If the quotes have unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.

Do drivers who switch really save?

Consumers get pounded daily by advertisements that claim the best prices from companies such as State Farm and Allstate. All the companies advertise claims that people will save if you just switch your coverage.

Is it even possible that every company can charge lower premium rates? Here is the trick they use.

Most companies have an ideal profile for a prospective insured that earns them the highest profit. For example, this type of insured might be between the ages of 40 and 55, has no prior claims, and drives less than 7,500 miles a year. Anybody who fits that profile will get low auto insurance rates and therefore will save when they switch companies.

Insureds who fall short of these standards will be charged higher rates and this results in business not being written. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” save that much when switching. That’s the way insurance companies can confidently advertise the savings. Because of this risk profiling, it’s extremely important to compare rate quotes every year. It is just not possible to predict with any certainty which company will have the lowest prices for your situation.

Subaru Legacy insurance prices can be more affordable

Smart consumers have a good feel for some of the factors that help determine the level of your policy premiums. When consumers understand what influences your rates, this enables informed choices that could result in lower rates.

• Gender matters – Statistics have proven that men are more aggressive behind the wheel. It does not mean men are worse drivers. Males and females are in fender benders at about the same rate, but males cause more damage and cost insurance companies more money. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
• Your vocation may affect auto insurance rates – Careers like military personnel, social workers and accountants tend to have the highest rates due to job stress and long work days. Other jobs such as scientists, athletes and the unemployed have the lowest average rates for Legacy insurance.
• Where you live – Residing in smaller towns and rural areas of the country has definite advantages when insuring your vehicles. Residents of big cities regularly have more road rage incidents and more severe claims. Less people means fewer accidents.
• Use one insurance company and save – Most larger insurance companies allow better rates to people that have more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to compare rates to guarantee you are still saving the most.There is a chance you can find a better deal by insuring with multiple companies.
• Only buy incidental coverages you need – There are quite a few extra bells and whistles you can purchase when buying auto insurance. Things like replacement cost coverage, towing, and extra life insurance coverage are probably not needed. The coverages may be enticing when buying your policy, but if you have no use for them get rid of them and save.

Earn discounts on insurance coverage

Insurance coverage is not inexpensive, but you can get discounts that you may not even be aware of. Some trigger automatically when you complete an application, but some need to be asked for before you will receive the discount.

• Discounts for Multiple Vehicles – Buying coverage for more than one vehicle on one policy can reduce the rates for all insured vehicles.
• Braking Control Discount – Cars and trucks with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Senior Discount – Older drivers may qualify for better insurance coverage rates for Legacy insurance.
• Passenger Safety Discount – Factory air bags or motorized seat belts may qualify for discounts up to 30%.
• Driving Data Discount – Insureds who allow data collection to monitor driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as they are good drivers.
• Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for Legacy insurance with a few insurance coverage companies.
• Theft Deterent – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• Good Grades Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.

You should keep in mind that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount will bring down your policy premium.

The best insurance coverage companies and some of the premium reductions they offer are outlined below.

• State Farm has savings for driver’s education, multiple autos, Steer Clear safe driver discount, multiple policy, and anti-theft.
• American Family discounts include bundled insurance, multi-vehicle, early bird, defensive driver, good driver, TimeAway discount, and Steer into Savings.
• AAA has discounts for AAA membership discount, good student, pay-in-full, good driver, multi-policy, and anti-theft.
• Geico offers discounts for daytime running lights, military active duty, membership and employees, anti-lock brakes, and air bags.
• Mercury Insurance may include discounts for accident-free, anti-theft, annual mileage, ease of repair, location of vehicle, multi-car, and good student.
• Farmers Insurance may offer discounts for alternative fuel, distant student, early shopping, multi-car, pay in full, youthful driver, and teen driver.
• Progressive offers discounts including continuous coverage, multi-policy, online signing, homeowner, good student, and online quote discount.

If you want inexpensive car insurance quotes, ask each company which discounts can lower your rates. Discounts might not apply in your area. If you would like to see a list of insurance coverage companies with discount insurance coverage rates, click here.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions might help in determining if your insurance needs could use an agent’s help.

• Does coverage extend to Mexico or Canada?
• Where can I get insurance after a DUI in my state?
• Am I covered if hit by an uninsured driver?
• Am I covered if I break a side mirror?
• Is a fancy paint job covered?
• Should I rate my 1996 Subaru Legacy as pleasure use or commute?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is my state a no-fault state?
• Will my rates increase for filing one claim?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Insurance coverage specifics

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like doctor visits, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, a tree branch falling on your vehicle, rock chips in glass, damage from getting keyed and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees, structural damage, funeral expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 1996 Subaru Legacy.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

The best insurance company isn’t always the cheapest

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an insured dropped collision coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible for the lowest price and still be able to protect your assets.

In this article, we presented some good ideas how to shop for 1996 Subaru Legacy insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding cheap car insurance. You may be surprised to find that the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising.

Consumers leave their current company for a number of reasons such as delays in paying claims, policy non-renewal, an unsatisfactory settlement offer or even policy cancellation. No matter why you want to switch, switching insurance coverage companies can be easier than you think.

Additional articles

• Teen Driving Statistics (Geico)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)