2004 Subaru Legacy Car Insurance Quotes

No normal person is fond of buying insurance, in particular when they could find lower prices if they just compared rates. Multiple insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company and get the best coverage at the best rates possible.

How to compare free insurance coverage quotes

There are multiple methods you can shop for insurance coverage but there is one way that is easier and takes less work. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can utilize online quotes to get prices fast.

Most of the best insurance companies enroll in a system that enables customers to enter their coverage request one time, and each company then returns a price quote based on that information. This system prevents you from having to do quote requests for every insurance coverage company. To enter your information into the quoting system, click here to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose which providers you want to price. If you wish to select individual companies to compare prices, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but make darn sure you compare exactly the same information on every quote you get. If your comparisons have higher or lower deductibles it will be very difficult to get a fair rate comparison.

Lower-cost car insurance rates with discounts

Some companies don’t list every disount available in an easy-to-find place, so the next list breaks down some of the more common and the harder-to-find discounts you could be receiving when you buy auto insurance online.

  • More Vehicles More Savings – Having several vehicles with the same company can get a discount for every vehicle.
  • Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.
  • No Claim Discounts – Drivers with accident-free driving histories pay much less compared to drivers with a long claim history.
  • Active Military Service – Having a deployed family member could trigger a small discount.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents so you can save 10 percent or more.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy some life insurance too.
  • Own a Home – Being a homeowner can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.

It’s important to note that most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

Auto insurance companies that may have some of the discounts shown above may include but are not limited to:

When getting a coverage quote, ask each insurance company which discounts they offer. Some of the discounts discussed earlier may not be offered in your area. If you would like to choose from a list of insurance companies with discount car insurance rates, click here to view.

The Subaru Legacy insurance premium equation

Lots of things are used in the calculation when you get a price on insurance. Some are obvious like your driving record, but other factors are less apparent like your vehicle usage or how safe your car is.

  • Women tend to take less risk – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean females are better at driving than males. Women and men cause fender benders at about the same rate, but the men tend to have more serious accidents. They also get cited for more serious violations such as reckless driving. Young men ages 16 to 20 are the most expensive to insure so it costs more to insure them.
  • Policy add-ons add up – There are a lot of additional extra coverages that you can get tricked into buying on your Legacy policy. Insurance for things like rental car coverage, death and dismemberment, and additional equipment coverage may not be needed and are just wasting money. They may seem good when buying your policy, but if you have no use for them remove them from your policy.
  • Safety ratings are a factor – Vehicles with high crash test scores cost less to insure. Highly rated vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Subaru Legacy scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Save money by having multiple policies – Most major insurance companies will award a discount to buyers who consolidate policies with them. It’s known as a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even with this discount, drivers will still want to comparison shop to verify if the discount is saving money.There is a chance you can find lower rates by buying insurance from more than one company.
  • Occupation impacts rates – Did you know your auto insurance rates can be affected by your occupation? Occupations such as fire fightersairline pilots and stock brokers generally pay higher premiums than the average policyholder due to intense work situations and lengthy work days. Other occupations such as scientists, historians and homemakers get better rates for Legacy coverage.
  • Lower prices with uninterrupted coverage – Having an insurance coverage lapse is a fast way to increase your renewal premiums. Not only will rates go up, not being able to provide proof of insurance could result in fines or a revoked license. You may have to file a SR-22 with your state motor vehicle department.
  • Where you reside is a factor – Residing in a small town may provide you with better prices when talking about auto insurance. People in densly populated areas have to deal with more traffic problems and a longer drive to work. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft.
  • Insurance claims cost money – If you file a lot of claims you shouldn’t be surprised to get either policy cancellation or increased premiums. Insurance companies award better rates to drivers who file claims infrequently. Auto insurance is intended for larger claims.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation might need professional guidance.

  • What if I owe more than I can insure my car for?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is the minimum liability in my state?
  • Is business property covered if stolen from my car?
  • Who is covered by my policy?
  • At what point should I drop full coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Can you really save if you switch?

Consumers constantly see and hear ads that claim the lowest car insurance rates by Allstate and Progressive. All the companies state the claim that drivers can save some big amount if you get a free auto insurance quote and switch your coverage.

How is it possible that every company can save you money? It’s all in how they say it.

Companies have specific characteristics for the driver that will be a good risk. One example of this type of insured might be described as between the ages of 30 and 50, has no claims, and has a high credit rating. Someone who matches those parameters will probably get the lowest premium rates and will most likely cut their rates if they switch.

Drivers who are not a match for those criteria will be charged higher rates which results in business not being written. If you pay close attention to the ads, they say “customers who switch” but not “everyone who gets a quote” save money. That is how insurance companies can advertise the savings.

Each company has different criteria, so you really should quote coverage with many companies. It’s just not possible to know which insurance companies will have the best rates.

Coverage specifics

Learning about specific coverages of auto insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, hitting a deer and hail damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This covers damage to your Legacy from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, hitting a parking meter, sideswiping another vehicle, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits do not exceed the liability coverage limits.


This can cover damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as structural damage, medical expenses, legal defense fees, attorney fees and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses like doctor visits, funeral costs, prosthetic devices, dental work and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Find Good Coverage for Less

Cheap 2004 Subaru Legacy insurance can be sourced both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don’t offer online rate quotes and many times these regional carriers prefer to sell through independent insurance agencies.

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price but still have enough coverage for asset protection.

In this article, we covered many tips how you can save on 2004 Subaru Legacy insurance. The key thing to remember is the more you quote auto insurance, the higher your chance of finding the cheapest auto insurance. You may even discover the best price on insurance coverage is with the least-expected company. They may only write in your state and offer lower car insurance rates than their larger competitors like State Farm, GEICO and Nationwide.

More information can be found at the links below

Comments About 2004 Subaru Legacy Insurance

  1. Gisela York

    I’m from Minneapolis, Minnesota, and State Farm rates were best. Switched homeowners coverage too. I only have liability coverage on it.

  2. Bennett Walsh

    I can’t pay high rates. Located in Springfield, MO. Quoted a bunch of companies. Saved darn near $20 a month. GEICO was the most affordable for me. It’s still not cheap enough. Liability only on my Subaru.

  3. Anita Clayton

    I found pretty cheap rate quotes for a 2004 Subaru Legacy in Newark, DE. Ended up at darn near $80 every six months with American Family. You can get a rate quote online.

  4. Leann Conner

    From northwest of Providence, RI. Got free quotes online for a 2004 Subaru Legacy. Ended up at about $120 savings annually. Went with Progressive. Even increased coverage a bit. Not sure if rates are cheaper online or not. I don’t have comp or collision coverage.

  5. Odell Mullins

    Hope my car insurance gets cheaper. I live on the east side of Houston, TX. Checked online prices for a 2004 Subaru Legacy. Ended up at about $70 savings annually. Went with Progressive. They have a lot of discounts available. Just go online and compare their rates. I just carry liability insurance.

  6. Julia Nash

    I live in a small town just outside of Great Falls, MT. Quoted with GMAC, Auto-Owners, Mercury, and a couple others for my Legacy and saved just over $70 a year. Left Sentry to switch. Are quotes cheaper online? I’m thinking about dropping full coverage though.

  7. Tynisha Deleon

    Not sure if this is cheap. From Allentown, PA. I got free quotes from Amica, Nationwide, and a few others for my Subaru and am saving around $70 a year. I got a quote from their website. I’m thinking about dropping full coverage though.

  8. Stacy Golden

    Any GEICO or Esurance customers near Norman, OK?

  9. Gordon Santos

    I’m in the west part of Jersey City, NJ. Received prices from Nationwide, Eastwood, GEICO, and Auto-Owners for my 2004 Subaru Legacy and saved $78 a year. Insured with Hartford before. I get multi-vehicle and multi-policy discounts. Just waiting to see how claims go.

  10. Pok Robles

    Affordable car insurance is a myth. Found cheapest coverage with Allstate for my 2004 Subaru Legacy and cut my rates about $80 a year. I dropped full coverage awhile back.

  11. Darryl Cruz

    From a town just southwest of Fort Smith, Arkansas. Quoted quotes from Progressive, Liberty Mutual, and Esurance for my Subaru and I think I saved about $20 each month. I have a teen driver too. It’s easy to compare rates online now. Only insure liability on my Legacy.

  12. Franklin Mcfadden

    I live on the north side of Saint Louis, MO. Got quotes with Amica, Mercury, and a few others for my 2004 Subaru Legacy and I think I saved around $10 each month. Left Hartford to switch. I increased coverages a little too. :)

  13. Harold Booker

    Does North Dakota require a SR-22 after a DUI?

  14. Rosenda Roth

    Cheap car insurance? What’s that? Got a quote with Encompass for my Subaru and saved around $60 a year. I think they have home insurance too. I’m thinking about dropping full coverage though.

  15. Elisabeth Stanley

    I found affordable 2004 Subaru Legacy insurance from 21st Century in Las Cruces, NM.

  16. Tammara Cash

    Mine is so expensive. I’m in the north part of Fort Wayne, IN. I got free prices from GEICO, Farmers, and Liberty Mutual for my Subaru and saved about $90 a year. I dropped full coverage awhile back.

  17. Sandi Kelley

    Does Arizona require me to have car insurance?

  18. Alfredo Spencer

    Cheaper not always better. I’m from Rio Rancho, NM. Compared quite a few companies. Saved roughly $20 a month. 21st Century was the cheapest for me. Insured with State Farm before. I even had a DUI years ago. Not sure if rates are cheaper online or not.