1997 Subaru Legacy Insurance Cost – 7 Tips to Save

Buyers have many options when searching for the lowest priced Subaru Legacy insurance. They can either waste time contacting agents trying to get quotes or utilize the internet to compare rates. There are both good and bad ways to find car insurance online so we’re going to tell you the quickest way to compare rates on a Subaru and obtain the best price possible either online or from local insurance agents.

Buying car insurance is not that difficult. If you are paying for car insurance now, you will most likely be able to save some money using this strategy. Drivers only need to know the tricks to compare price quotes online.

How to lower your insurance cost

Many insurance companies allow consumers to get pricing directly from their websites. Obtaining pricing is possible for anyone because you just enter your coverage preferences into the form. Once entered, the company’s rating system will order your credit score and driving record and returns a price quote.

Online price quotes streamlines rate comparisons, but the work required to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible in order to get the lowest price.

A less time-consuming method to find better insurance pricing utilizes a single form to get prices from more than one company. The form is fast, eliminates repetitive work, and makes online quotes much simpler. After sending your information, it is rated and you can choose any of the price quotes you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

In order to find out what other companies charge, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you type in identical to your current policy. Doing this guarantees you are getting comparison quotes based on identical coverages.

Insurance policy discounts

Companies that sell car insurance don’t always list every discount they offer very clearly, so the following list contains a few of the more common as well as some of the hidden credits available to bring down your rates.

  • Senior Discount – If you’re over the age of 55, you could receive a small discount on rates for Legacy coverage.
  • Air Bag Discount – Cars that have air bags may get savings of 25 to 30%.
  • No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote in comparison with accident-prone drivers.
  • Data Collection Discounts – Insureds that choose to allow data collection to analyze when and where they use their vehicle by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as the data is positive.
  • Homeowners Savings – Just owning your own home can earn you a little savings due to the fact that maintaining a home shows financial diligence.
  • More Vehicles More Savings – Buying a policy with multiple cars with the same insurance company can get a discount for every vehicle.
  • Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts could save 15% off PIP or medical payments premium.

You can save money using discounts, but most discounts do not apply to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts should help lower your policy cost.

Auto insurance companies that may offer policyholders most of the discounts above possibly include:

Before buying, ask each insurance company how you can save money. A few discounts might not be offered on policies in your state. To locate insurance companies who offer online insurance quotes, click here to view.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether or not you will benefit from professional help.

  • I don’t drive much so do I pay less?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • What is no-fault insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Will my rates increase for filing one claim?
  • Which companies will insure high-risk drivers?
  • When do I need to add a new car to my policy?
  • Am I covered if I hit a deer?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Insurance specifics

Having a good grasp of insurance can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1997 Subaru Legacy.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like rehabilitation expenses, prosthetic devices, ambulance fees, surgery and hospital visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your Legacy resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, backing into a parked car, colliding with another moving vehicle, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, theft and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance

This protects you from damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like repair costs for stationary objects, bail bonds, court costs and attorney fees. How much coverage you buy is your choice, but buy as much as you can afford.

Quote more. Save more.

Lower-priced insurance is available on the web in addition to many insurance agents, so you need to shop insurance with both to have the best rate selection. Some insurance companies don’t offer online quoting and usually these regional carriers prefer to sell through independent agencies.

We just covered many ideas to get a better price on 1997 Subaru Legacy insurance. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding cheap insurance. Consumers may even find the lowest priced insurance comes from the smaller companies.

Insureds who switch companies do it for a number of reasons such as policy non-renewal, questionable increases in premium, unfair underwriting practices or being labeled a high risk driver. No matter why you want to switch, finding a new insurance company is pretty simple and you could end up saving a buck or two.

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Comments About 1997 Subaru Legacy Insurance

  1. Nicole Eaton

    Here’s my info. Went with Progressive for my Subaru and cut my rates about $110 a year. BTW speeding tickets are not good. God forbid I actually have a claim. It’s only liability tho.

  2. Cathie Atkinson

    In Cedar Rapids, IA compare State Farm with GEICO and see which is best.

  3. Rubye Rowe

    Nice info. I live west of Aurora, IL. Checked online prices for a 1997 Subaru Legacy. Ended up at about $120 savings annually. Went with 21st Century. Left Hartford to switch. Have a couple speeding tickets too. Not sure about claim service.

  4. Keven Fletcher

    If you’re a decent driver and live in the vicinity of Denver, CO, check out State Farm. You might get cheaper rates. Insured with Amica before.

  5. Ernesto Rivers

    Here’s my info. I’m in Chesapeake, VA. Quoted prices from Amica, Sentry, and Western Auto Insurance for my Subaru and saved $119 a year. Left Erie to switch. Still almost need a second mortgage. Only insure liability on my Legacy.

  6. Verline Davidson

    Lots of good stuff here. From north side of Gaithersburg, MD. Compared quite a few companies. Saved roughly $10 a month. State Farm was the best choice for me. Left Hartford to switch. I have kids on my policy, too. Book value doesn’t justify full coverage anymore.

  7. Gaynelle Delaney

    I’m in Omaha, NE, and Progressive rates were affordable.

  8. Leona Barlow

    Lifelong resident of Hilo, HI. I got free rates from USAA, Auto-Owners, GMAC, and MetLife for my Legacy and I’m now saving $11 a month. I get multi-vehicle and multi-policy discounts. :P I don’t have comp or collision coverage.

  9. Floria Glenn

    If you have a clean record and live around Worcester, MA, check out State Farm. I saved quite a bit. Thankfully I have a good driving record.

  10. Nada Graves

    IT’S ALL TOO EXPENSIVE! I’m in Green Bay, WI. Not sure of all the companies but I ended up saving about $20 each month. My Legacy doesn’t have full coverage.

  11. Winford Lloyd

    I’m looking for cheaper coverage. From Colorado Springs, CO. Quoted a bunch of companies. Saved darn near $30 a month. GEICO was the most affordable for me. Ask about discounts. I got a quote from their website. My Legacy doesn’t have full coverage.

  12. Janie Kirk

    Well-written and thought out article. I’m from Raleigh, NC. Don’t remember every company but I ended up saving about $20 each month. Insured with Liberty Mutual before. Good multi-policy discounts.

  13. Forest Burton

    Anyone find cheap rates around Great Falls, MT?

  14. Deeanna Albert

    Cheap is not always the best policy. I live in Milwaukee, WI. Quoted prices online for a 1997 Subaru Legacy. Ended up at about $110 savings annually. Went with Progressive. Insured with GEICO before. Even increased coverage a bit. Still almost need a second mortgage.

  15. Romaine Britt

    I live on the west side of Juneau, AK. Quoted with AAA, Encompass, and Mercury for my Subaru and I’m now saving $12 a month. I think they have home insurance too.

  16. Carman Fry

    Here’s my info. Found cheapest coverage with Amica for my 1997 Subaru Legacy and cut my rates about $80 a year. Insured with Eastwood before. I have several vehicles insured with them.

  17. Sherilyn Craig

    Cheap is not always the best policy. Lifelong resident of Cedar Rapids, Iowa. Got quotes with Progressive, AIG Insurance, and some I forget for my Legacy and I’m now saving $17 a month. I used their online quote form to compare rates.