2000 Subaru Legacy Insurance Rates – 6 Policy Discounts

Want the cheapest auto insurance rates for your Subaru Legacy? Finding cheaper rates for auto insurance is difficult for drivers not familiar with online price comparisons. Consumers have so many companies to choose from that it can quickly become hard work to locate the lowest rates.

Low cost insurance coverage prices

When comparison shopping, there are several ways to get quotes from many different insurance companies. The best way to lower the rate you pay for Subaru Legacy insurance is to get quotes online. This is very easy and can be done by using one of the methods below.

One of the fastest ways to compare a lot of rates at once is a comparison rater form (click to open form in new window). This type of form eliminates the need for separate quotes for each company you want a rate for. Filling out one form will get you rate comparisons direct from many companies.It’s the quickest way to get rates.

A more difficult way to find lower rates requires visiting each company’s website to request a price quote. For examples sake, we’ll pretend you want to get rates from Progressive, State Farm and Travelers. To get rate quotes you would need to take the time to go to each site and repeatedly enter your information, and that explains why we recommend the first method.

To view a list of companies in your area, click here.

Even if you have time, the least recommended method to comparison shop rate quotes is physically going to and from local insurance agencies. Comparing rate quotes online can eliminate the need for a local agent unless your situation requires the guidance of an agent trained in personal lines coverage. If you prefer, some companies allow you to get prices online but still have the advice of a local agent.

It’s up to you how you get prices quotes, just compare nearly identical quote information on every quote you get. If you use different deductibles it’s not possible to make an equal comparison. Even a minor difference in limits can result in a big premium difference. It’s important to know that comparing all the rates in your area helps you find a lower rate.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I sign the liability waiver when renting a car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Exactly who is provided coverage by my policy?
  • When can my company non-renew my policy?
  • Are split liability limits better than a combined single limit?
  • Can I afford low physical damage deductibles?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision – Collision insurance pays for damage to your Legacy from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, damaging your car on a curb, crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

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

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, fire damage, falling objects and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, pain medications and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability – Liability insurance can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like medical expenses, emergency aid, funeral expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comments About 2000 Subaru Legacy Insurance

  1. Lenna Hammond

    Got pretty cheap 2000 Subaru Legacy insurance from State Farm in Rapid City, South Dakota.

  2. Billye Holloway

    Hope my car insurance gets cheaper. Checking in from Minneapolis, MN. Not sure of all the companies but I ended up saving about $20 each month. Book value doesn’t justify full coverage anymore.

  3. Nga Hooper

    If you have a clean record and live in the vicinity of Nashua, NH, check out Allstate. You might save some money. Was with Amica. Switched homeowners coverage too. Get lots of quotes to find the best rate.

  4. Marcelina Conley

    I’m looking for cheaper coverage. From north side of Saint Paul, Minnesota. Got quotes from Progressive, American Family, Esurance, and Liberty Mutual for my Legacy and I think I am saving around $20 each month.

  5. Dolly Diaz

    IMHO Gaithersburg, MD seems to have good rates from Progressive.

  6. Laurence Mcguire

    Any State Farm or Encompass customers near Biloxi, Mississippi?

  7. Daysi Cervantes

    Cheaper not always better. Got a quote with AIG Insurance for my 2000 Subaru Legacy and saved around $80 a year. Even increased my liability limits. It’s still not cheap enough.

  8. Arlie Pennington

    21st Century is decent in Buffalo, New York.

  9. Meghan Bond

    I got quite a few price quotes for a 2000 Subaru Legacy in Birmingham, AL. Ended up at about $70 every six months with Amica. I don’t insure for physical damage though.

  10. Carrie Sexton

    I think I’m paying too much. I’m just east of Oklahoma City, Oklahoma. Quoted a bunch of companies. Saved right around $20 a month. Allstate was the best choice for me. Left Farmers to switch. It’s only liability tho.

  11. Sherice Crosby

    Not sure if this is cheap. I live just to the west of Chicago, Illinois. Quoted a bunch of companies. Saved right around $30 a month. Allstate was the best choice for me. Left Western Auto Insurance to switch. Have a couple speeding tickets too. It never hurts to quote around. I think I’ll get rid of full coverage next time.

  12. Buddy Downs

    IT’S ALL TOO EXPENSIVE! Live in Nampa, ID. Quoted with Allstate, Amica, Encompass, and Hanover for my 2000 Subaru Legacy and saved $89 a year. Switched homeowners coverage too. Anyone else drop full coverage?

  13. Zula Noel

    Checking in from Oklahoma City, OK. Compared rates from a lot of places. Saved darn near $10 a month. 21st Century was the best choice for me. They were helpful in switching over. My Legacy doesn’t have full coverage.