Cheap 2002 Subaru Legacy Insurance Quotes

Finding low cost Driversinsurance coverage can seem to be hard for drivers not familiar with online rate comparisons. With literally dozens of insurers to choose from, it can easily be a difficult mission to find the best price.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Buying more affordable protection is not that difficult. Nevertheless, car owners do need to know how the larger insurance companies market insurance on the web because it can help you find the best coverage.

How to compare insurance price quotes

When shopping for inexpensive insurance coverage quotes, there are a couple of ways of comparing rates from companies that offer insurance in your state. The fastest way to find affordable Subaru Legacy insurance rates consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating separate quote forms for each company. A single, simple form gets you price quotes from multiple companies.It’s the quickest way to get rates.
  2. A harder way to get quotes online requires visiting the website of each company and repeat the quote process again and again. For instance, we’ll assume you want rates from Progressive, Safeco and Allstate. To find out each rate you need to take the time to go to each site and punch in your information repeatedly, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but be sure to compare identical quote information with every price quote. If you are comparing differing limits it will be next to impossible to truly determine the lowest rate. Even a minor difference in insurance coverages could skew the results. And when comparison shopping, comparing a wide range of rates helps increase your odds of locating lower pricing.

Insurance coverage myths debunked

Insurance coverage companies such as State Farm and Allstate endlessly run ads on TV and radio. All the ads convey the message of big savings if you switch your policy. How is it possible that every company can give you a better price? It’s all in the wording.

Insurance companies have specific guidelines for the type of driver that earns them the highest profit. An example of a desirable insured could be between the ages of 30 and 45, has no tickets, and drives a car with an anti-theft system. Someone who matches those parameters will qualify for the lowest rates and will probably save money with a new company.

Consumers who may not quite match the ideal profile will see a higher premium which translates to the prospect going elsewhere. The trick is to say “people that switch” not “everyone who quotes” save that much money. That is how insurance companies can make those claims.

This emphasizes why you absolutely need to compare rate quotes every year. It is impossible to predict the company that will have better prices than you’re paying now.

Auto insurance policy discounts you can’t miss

Some providers don’t always publicize every possible discount very well, so the below list has some of the more common and the more hidden savings tricks you should be using when you buy insurance coverage online. If you do not check that you are getting every discount you deserve, you could be getting lower rates.

  • Savings for New Vehicles – Insuring a new car is cheaper compared to insuring an older model.
  • Distant Student – Youth drivers who are enrolled in higher education away from home and do not have a car could get you a discount.
  • No Claims – Claim-free drivers get the best auto insurance rates as opposed to drivers who are more careless.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems could see savings of up to 25% or more.
  • Safety Restraint Discount – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Multi-line Discount – Select companies reward you with a discounted premium rate on car insurance if you buy some life insurance too.

Keep in mind that some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies that may have these discounts include:

Double check with all the companies to apply every possible discount. Some credits might not be available to policyholders everywhere. If you would like to view insurers that offer multiple discounts, follow this link.

Insurance agents can help

When it comes to buying coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help highlight whether or not you will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • Is business equipment covered while in my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I have a commercial auto policy?
  • What vehicles should carry emergency assistance coverage?
  • Should I bundle my homeowners policy with my auto?
  • What if I owe more than I can insure my car for?
  • Should I have combined single limit or split liability limits?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

The coverage is in the details

Understanding the coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for nursing services, dental work and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like loss of income, legal defense fees, funeral expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Coverage for collisions

Collision coverage covers damage to your Legacy resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, crashing into a ditch, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, a broken windshield, damage from a tornado or hurricane and falling objects. The maximum amount 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.

Knowledge is power

In this article, we presented a lot of techniques to get a better price on 2002 Subaru Legacy insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding cheaper insurance coverage. You may even discover the lowest premium rates are with a small mutual company.

Discount 2002 Subaru Legacy insurance can be bought on the web and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not have price quotes online and usually these smaller companies work with local independent agents.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped physical damage coverage and found out when filing a claim that it was a big mistake. The proper strategy is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

Additional resources

Comments About 2002 Subaru Legacy Insurance

  1. Dortha Bowen

    Cheap car insurance? What’s that? Checking in from Knoxville, TN. Got rates from AAA, MetLife, and a few others for my Subaru and I think I cut my rates about $20 each month. I have a teen driver too. I used their website to get prices.

  2. Deedra Franklin

    If you have a good history and are close to Evansville, IN, check out Allstate. You might get cheaper rates. I have a couple other vehicles on the policy. Not sure about claim service.

  3. Lorene Middleton

    I’m from Henderson, NV. Got free quotes online for a 2002 Subaru Legacy. Ended up at about $80 savings annually. Went with 21st Century. I just carry liability insurance.

  4. Lianne Roy

    I got a good deal I think. I’m in the south part of Allentown, PA. Compared rates from a lot of places. Saved darn near $20 a month. Allstate was the best choice for me. BTW speeding tickets are not good. I only have liability coverage on it.

  5. Elvis Downs

    In Anchorage, AK, Allstate is a good choice. Thankfully I have a good driving record. Not sure if rates are cheaper online or through an agent.

  6. Olinda Pruitt

    I’m looking for cheaper coverage. I’m just north of Reno, NV. Quoted prices from Travelers, Auto-Owners, GMAC, and Sentry for my Subaru and saved $116 a year. Insured with Liberty Mutual before. Hopefully won’t need it. :P

  7. Conrad Cantu

    I’m in the south part of Jackson, MS. Got free quotes online for a 2002 Subaru Legacy. Ended up at about $120 savings annually. Went with GEICO. Good savings if you bundle. :P It’s too old for full coverage.

  8. Aron Ellis

    Cheap is not always the best policy. Lifelong resident of Houston, Texas. Got prices from Amica, Safeco, and Western Auto Insurance for my 2002 Subaru Legacy and I’m now saving $10 a month. Left AIG Insurance to switch. I’m a pretty good driver though. God forbid I actually have a claim. I think I’ll get rid of full coverage next time.

  9. Miriam Cash

    Thanks for putting this site together. I live just outside Sioux Falls, SD. Got quotes with 21st Century, Hartford, and Encompass for my Subaru and saved $101 a year. Was with USAA. Not worth enough to pay for comprehensive and collision.

  10. Stewart Pugh

    If you have a clean record and are close to Newark, DE, check out 21st Century. They seem to be cheaper. Good multi-policy discounts. Get lots of quotes to find the best rate. I don’t insure for physical damage though.

  11. Dewayne Meyers

    Hope my rates come down. I live south of Huntington, WV. I quoted with Western Auto Insurance, AIG Insurance, Hanover, and Nationwide for my Legacy and am saving around $60 a year. Just waiting to see how claims go. Next renewal I’ll just do liability.

  12. Mark Leach

    It’s all a rip off. Live in the southern part of Augusta, GA. Not sure of all the companies but I ended up saving about $30 each month. Was with Eastwood. I’m a pretty good driver though. It’s only liability tho.

  13. Teddy Mason

    Went with Mercury for my Legacy and saved about $100 a year. I have a teen driver too. It never hurts to quote around.

  14. Carmelo Cabrera

    IT’S ALL TOO EXPENSIVE! Quoted with Hanover for my 2002 Subaru Legacy and saved about $80 a year. Insured with The General before. Got better coverage too. I dropped full coverage awhile back.

  15. Prince Wade

    Will Progressive give discounts for good grades?