2003 Subaru Legacy Insurance Quotes – 5 Ways to Save

Are you regretting the purchase of an expensive car insurance policy? Say no more because there are many drivers thinking the same thing. Because there are so many options when it comes to car insurance, it can be diffult for drivers to locate the cheapest car insurance company.

Do you qualify for these five discounts?

Auto insurance is easily one of your largest bills, but companies offer discounts that can dramatically reduce your bill. Certain reductions will be credited at the time of quoting, but some need to be inquired about prior to getting the savings.

  • Telematics Data – Policyholders that allow data collection to scrutinize when and where they use their vehicle by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control have fewer accidents and will save you 10% or more.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts could see savings of up to 25% or more.
  • Accident Forgiveness – Not a discount per se, but companies like GEICO and Liberty Mutual will allow you to have one accident without getting socked with a rate hike if you are claim-free for a certain period of time.
  • Discounts for Government Workers – Being employed by or retired from a federal job may reduce rates when you quote auto insurance for Legacy insurance with select insurance companies.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, it doesn’t quite work that way. But all discounts will bring down your overall bill.

To view insurers that offer discounts, click here to view.

Don’t assume everyone needs the same insurance coverage

When it comes to buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • How can I find cheaper teen driver insurance?
  • Am I missing any policy discounts?
  • Where can I find high-risk insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • What are the best liability limits?
  • Is pleasure use cheaper than using my 2003 Subaru Legacy to commute?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your car insurance policy

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

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 means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, medical services, court costs, structural damage and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like funeral costs, rehabilitation expenses and EMT expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, theft, damage from a tornado or hurricane and a broken windshield. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

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

Collision insurance covers things such as scraping a guard rail, colliding with a tree, colliding with another moving vehicle, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 2003 Subaru Legacy.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

You can do this!

In this article, we covered a lot of techniques to reduce 2003 Subaru Legacy insurance premium rates online. The key concept to understand is the more quotes you get, the better likelihood of getting low cost auto insurance. You may even discover the lowest premium rates come from the least-expected company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

Lower-priced 2003 Subaru Legacy insurance can be purchased on the web as well as from insurance agents, so you need to quote auto insurance with both to have the best selection. Some insurance coverage companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

When shopping online for insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

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Comments About 2003 Subaru Legacy Insurance

  1. Leanora Holden

    From Salem, Oregon. Got quotes from Hanover, AAA, Safeco, and a couple others for my Subaru and saved just over $90 a year. Even increased coverage a bit. God forbid I actually have a claim.

  2. Coralie Shaw

    Quoted with Allstate for my Subaru and saved about $90 a year. Was with 21st Century. They have free quotes online.

  3. Angelia Becker

    I’m just north of Owensboro, KY. I don’t recall every quote but I ended up saving about $30 each month. Was with USAA. BTW speeding tickets are not good. It was easy to get rates.

  4. Elinore Long

    I live just to the south of Detroit, MI. Quoted a bunch of companies. Saved right around $10 a month. Progressive was the cheapest for me. Left AIG Insurance to switch.

  5. Delmy Roman

    Proud to be from Raleigh, North Carolina. Quoted with AIG Insurance, Farmers, and Mercury for my 2003 Subaru Legacy and saved just over $60 a year. I think they have home insurance too. My Legacy doesn’t have full coverage.

  6. Domonique Thornton

    I found cheap 2003 Subaru Legacy insurance in Honolulu, HI with GEICO.

  7. Idell Rowland

    All companies are crooks. From Columbus, GA. Got quotes from GEICO, Amica, and Farmers for my Legacy and saved just over $70 a year. Was with Erie. Teenage drivers are expensive!

  8. Tanisha Kent

    Does GEICO have low rates for teen drivers?

  9. Michale Morin

    I found pretty cheap rate quotes for a 2003 Subaru Legacy in Honolulu, HI. Ended up at about $120 every six months with AAA. :P