Lower Your 1998 Subaru Legacy Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Subaru Legacy? Comparison shopping for low cost insurance coverage can be slightly frustrating for drivers who are beginners to comparing prices online. With more and more insurers available, it can be more work than you anticipated to find more affordable rates.

Affordable auto insurance quotes

The are a couple different ways to compare rate quotes from different insurance companies. The easiest way to find the lowest 1998 Subaru Legacy rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

1. Without a doubt, the easiest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for separate quotes for each company. One quote request will return price quotes from multiple low-cost companies. Just one form and you’re done.
2. A slightly less efficient method to compare prices consists of going to the website for each individual company to complete their respective quote request forms. For sake of this example, let’s say you want comparison quotes from USAA, 21st Century and State Farm. You would have to navigate to each company’s site and repeatedly enter your information, which can get rather old.

   For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be certain you are entering the same coverage information for each comparison quote. If the quotes have different deductibles then you won’t be able to make a fair rate comparison. Just a small difference in insurance coverages or limits may cause a big price difference. Keep in mind that getting more free quotes increases the change that you will find more affordable rates.

Verify you’re applying every discount

Insurance can be prohibitively expensive, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but some discounts are required to be specially asked for before they will apply.

• Multiple Vehicles – Buying a policy with primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and earn discounts up to 10% off your auto insurance quote.
• Life Insurance – Larger insurance coverage companies have lower premium rates if you buy a life policy as well.
• Own a Home – Being a homeowner can earn you a little savings because maintaining a house is proof that your finances are in order.
• Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
• Driver’s Education for Students – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
• Early Signing – Some insurance coverage companies reward drivers for buying a new policy before your current policy expires. It could save around 10% when you buy auto insurance online.
• Discounts for Government Workers – Active or former government employment could qualify for a slight premium decrease for Legacy insurance depending on your insurance coverage provider.
• Multiple Policy Discount – If you combine your auto and homeowners policies with the same insurance company you will save as much as 10 to 15 percent.
• Fewer Miles Equal More Savings – Low mileage vehicles may allow you to get discounted rates on garaged vehicles.

Keep in mind that many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, that’s just not realistic.

To find companies that provide some of the discounts listed above, click here.

How car insurance companies calculate Subaru Legacy insurance costs

Part of the insurance coverage buying process is learning a few of the rating criteria that help calculate the price you pay for insurance coverage. If you have some idea of what influences your rates, this empowers consumers to make smart changes that can earn you much lower annual insurance costs. Lots of things are taken into consideration when you quote your car insurance policy. Some factors are common sense like your driving record, although some other factors are more obscure like your continuous coverage or your commute time.

• Do you have a stressful job? – Occupations like military personnel, executives and miners are shown to have the highest average rates due to high stress levels and extremely grueling work hours. Other jobs such as farmers, students and homemakers have lower than average premiums for Legacy insurance.
• Multiple policies with one company can save – Most major insurance coverage companies allow discounts to people who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s always a smart idea to compare other company rates to confirm you are receiving the best rates possible. Drivers may still save more without the discount by buying from different companies
• Are males or females drivers cheaper? – The statistics show that women are safer drivers than men. The data does not necessarily mean that females are better at driving than males. Women and men cause fender benders at about the same rate, but males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Young men ages 16 to 20 cause the most accidents and therefore pay the highest rates.
• How credit history affects insurance coverage costs – Having a bad credit rating is a large factor in determining your rates. If your credit history could use some work, you could save money insuring your 1998 Subaru Legacy by spending a little time repairing your credit. Insureds with good credit tend to be more responsible and file fewer claims than drivers who have poor credit scores.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Every situation is different.

For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

• Is business property covered if stolen from my car?
• Am I covered when driving in Canada or Mexico?
• How much liability do I need to cover my assets?
• How can I find cheaper teen driver insurance?
• How much can I save by bundling my policies?
• Do all my vehicles need collision coverage?
• Is rental equipment covered for theft or damage?
• I don’t drive much so do I pay less?
• How does medical payments coverage work?
• Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Insurance specifics

Learning about specific coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as X-ray expenses, funeral costs, ambulance fees, surgery and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Legacy.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, damage from flooding, theft, falling objects and damage from getting keyed. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as pain and suffering, repair bills for other people’s vehicles, court costs, emergency aid and medical services. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your Legacy caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, sustaining damage from a pot hole, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Get your money’s worth

Drivers change insurance companies for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, lack of trust in their agent or even being labeled a high risk driver. Whatever your reason, choosing a new company can be easy and end up saving you some money.

Cheaper 1998 Subaru Legacy insurance can be found from both online companies in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not provide rate quotes online and usually these small, regional companies only sell coverage through independent agencies.

We just showed you many ways to reduce 1998 Subaru Legacy insurance prices online. It’s most important to understand that the more price quotes you have, the higher your chance of finding low cost auto insurance. Consumers may even find the biggest savings come from a lesser-known regional company.

Much more information about car insurance is available on the following sites:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Safety Features for Your New Car (State Farm)
• Rollover Crash FAQ (iihs.org)