Cheaper 1999 Subaru Legacy Car Insurance Quotes

Searching for the cheapest car insurance rates for your Subaru Legacy? Are you tired of sacrificing to insure your Subaru every month? You have the same problem as millions of other vehicle owners. Lots of auto insurance companies contend for your hard-earned dollar, so it’s not easy to compare every company to find the cheapest price

If you have a policy now or are just looking to switch companies, you can follow these tips to get lower rates while maximizing coverage. Buying car insurance is not rocket science. Consumers just need to understand the best way to buy insurance online.

Cheaper auto insurance rates with discounts

Some insurers don’t list every policy discount very clearly, so the following is a list of some of the more common in addition to some of the lesser obvious ways to save on auto insurance.

• Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
• Cautious Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Legacy insurance than their less cautious counterparts.
• Own a Home and Save – Just owning your own home may earn you a small savings because of the fact that having a home demonstrates responsibility.
• Waiver for an Accident – Not necessarily a discount, but some companies like Progressive and Allstate allow you one accident before raising your premiums if you have no claims prior to being involved in the accident.
• Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving can save a little off the PIP or medical payment premium.

Just know that most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will definitely lower the amount you have to pay.

Large auto insurance companies and their offered discounts are shown below.

• State Farm has discounts for multiple policy, passive restraint, safe vehicle, accident-free, good student, and multiple autos.
• Geico offers premium reductions for emergency military deployment, membership and employees, federal employee, anti-lock brakes, daytime running lights, and air bags.
• Liberty Mutual discounts include new graduate, teen driver discount, multi-car, new vehicle discount, and good student.
• The Hartford may offer discounts for air bag, bundle, defensive driver, vehicle fuel type, and anti-theft.
• MetLife has savings for good student, defensive driver, multi-policy, good driver, claim-free, and accident-free.
• Progressive offers discounts including multi-policy, online signing, good student, online quote discount, continuous coverage, and homeowner.

When quoting, ask every company to give you their best rates. Some credits might not be offered on policies in your area. To see insurance companies who offer free auto insurance quotes, follow this link.

How your Legacy insurance premiums are determined

The best way to find cheaper auto insurance is to take a look at some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates, this allows you to make good choices that will entitle you to much lower annual insurance costs.

The itemized list below are some of the most rate-impacting factors used by companies to determine premiums.

• Gender matters – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women cause auto accidents at about the same rate, but the men tend to have more serious accidents. They also receive more major tickets such as DWI and reckless driving.
• Insurance companies don’t like frequent insurance claims – If you are the type of insured that files lots of claims don’t be surprised to see either policy cancellation or increased premiums. Insurance companies award better rates to people who are not frequent claim filers. Auto insurance is intended to be relied upon for more catestrophic claims.
• Rate your vehicle for proper use – The more you drive your Subaru annually the higher your rate. A lot of companies calculate rates based on their usage. Autos used primarily for pleasure use receive lower rates than cars that get driven a lot. Having an incorrect usage rating on your Legacy is throwing money out the window. Ask your agent if your auto insurance coverage states the correct usage for each vehicle.
• Discounts for auto and home policies – Most auto insurance companies give better rates to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even if you’re getting this discount consumers should still check prices from other companies to ensure the best deal. You may still be able to find lower rates even if you insure with multiple companies
• Vocation and insurance premiums – Occupational choices like real estate brokers, business owners and dentists usually pay higher rates than average due to stressful work requirements and extremely grueling work hours. Conversely, careers such as actors, athletes and performers pay lower than average rates on Legacy insurance.

Tailor your auto insurance coverage to you

When buying coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine whether your personal situation might need professional guidance.

• How do I buy GAP insurance?
• Why am I required to buy liability insurance?
• Should I bundle my homeowners policy with my auto?
• Why do I only qualify for high-risk insurance?
• Do I have coverage if my license is suspended?
• Why do I need rental car insurance?
• Does my policy cover my teen driver if they drive my company car?
• Do I need more liability coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Understanding the coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

Collision coverage – This pays for damage to your Legacy from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, crashing into a ditch, scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability – This will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as structural damage, attorney fees, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for immediate expenses such as dental work, funeral costs and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, fire damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your 1999 Subaru Legacy.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Have the Midas touch

Budget-friendly insurance is definitely available on the web and from local insurance agents, so you need to shop auto insurance with both so you have a total pricing picture. A few companies do not provide rate quotes online and many times these smaller providers only sell through independent agents.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped full coverage and learned later they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

We just presented some good ideas how you can reduce 1999 Subaru Legacy insurance prices online. The key concept to understand is the more times you quote, the better likelihood of getting inexpensive auto insurance. You may even discover the biggest savings come from some of the smallest insurance companies. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

Even more information can be read by following these links:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)