2005 Subaru Legacy Car Insurance Quotes – 10 Tricks for Cheaper Rates

Searching for lower insurance coverage rates for your Subaru Legacy? Are you overwhelmed by the wide range of insurance coverage providers available to you? You’re not alone. Vehicle owners have such a vast assortment of providers available that it can really be a ton of work to compare insurance coverage rates.

You need to take a look at other company’s rates once or twice a year because insurance coverage prices fluctuate regularly. If you had the lowest rate for Legacy coverage last year a different company probably has better premium rates today. Ignore everything you know about insurance coverage because you’re about to learn the quickest way to properly buy coverages while reducing your premium.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Locating affordable car insurance coverage can be fairly easy. But vehicle owners must comprehend how insurance companies price online insurance because it can help you find the best coverage.

Discounts can really help save money

Not too many consumers would say insurance coverage is affordable, but you can get discounts that can dramatically reduce your bill. Most are applied at quote time, but a few must be requested specifically before you get the savings.

  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with one company qualifies for this discount.
  • Multi-line Discount – Select companies reward you with a discounted rate on car insurance if you buy some life insurance too.
  • No Charge for an Accident – but some companies like Progressive, Allstate, and Liberty Mutual will let one accident slide without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
  • Braking Control Discount – Cars that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
  • Claim Free – Drivers who stay claim-free can save substantially when compared with insureds who have frequent claims or accidents.
  • Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save as much as 10 to 15 percent.
  • Early Renewal Discounts – Some insurance companies reward drivers for switching companies prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% for Legacy coverage than drivers with accidents.
  • Distant College Student Discount – Kids who live away from home to go to college and do not have a car could qualify for this discount.

Keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

The best insurance coverage companies and a partial list of their discounts are detailed below.

  • Esurance may include discounts for good driver, online quote, Pac-12 alumni, multi-car, homeowner, and emergency road assistance.
  • The Hartford offers premium reductions for air bag, bundle, driver training, anti-theft, and vehicle fuel type.
  • AAA may have discounts that include good driver, good student, pay-in-full, AAA membership discount, anti-theft, multi-car, and multi-policy.
  • GEICO has savings for good student, anti-theft, daytime running lights, five-year accident-free, federal employee, air bags, and multi-policy.
  • State Farm discounts include good student, good driver, Drive Safe & Save, passive restraint, and driver’s education.

Before purchasing a policy, check with each company to apply every possible discount. Savings may not apply to policies in your area. To locate insurance coverage companies that can offer you the previously mentioned discounts, click here to view.

Will just any policy work for me?

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • What if I total my 2005 Subaru Legacy and owe more than it’s worth?
  • What vehicles should carry emergency assistance coverage?
  • Does insurance cover tools stolen from my truck?
  • How much liability do I need to cover my assets?
  • Should I waive the damage coverage when renting a car?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your insurance policy

Learning about specific coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, damage from flooding, a tree branch falling on your vehicle and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for doctor visits, rehabilitation expenses and EMT expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Auto collision coverage

This covers 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 coverage protects against things like hitting a parking meter, colliding with another moving vehicle, colliding with a tree, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2005 Subaru Legacy.

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.


This provides protection from injuries or damage you cause to other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as pain and suffering, funeral expenses, emergency aid and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Do the work, save more money

People who switch companies do it for a variety of reasons including high prices, extreme rates for teen drivers, delays in responding to claim requests or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

We’ve covered many tips how you can reduce 2005 Subaru Legacy insurance auto insurance rates online. The key concept to understand is the more price quotes you have, the higher your chance of finding affordable car insurance. Consumers could even find that the lowest auto insurance rates come from a company that doesn’t do a lot of advertising.

As you quote car insurance, it’s a bad idea to reduce needed coverages to save money. There have been many cases where consumers will sacrifice physical damage coverage only to find out that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the best cost while still protecting your assets.

More information is available at the links below

Comments About 2005 Subaru Legacy Insurance

  1. Aurea Sullivan

    I’m from Davenport, IA, and Allstate rates were best. A clean driving record helps.

  2. Claribel Pittman

    I live on the north side of Worcester, MA. I quoted with Liberty Mutual, Amica, Mercury, and a couple others for my Subaru and saved $411 a year. Are quotes cheaper online?

  3. Asia Patrick

    I live just to the west of Shreveport, LA and for me GEICO had the lowest quote. Thankfully I’m not a high risk driver.

  4. Ronald Gray

    I’ve bought from Progressive forever. Cheapest rates in Idaho Falls, Idaho.

  5. Alpha Diaz

    IT’S ALL TOO EXPENSIVE! Live in Buffalo, NY. Quoted quotes with Allstate, Erie, and Hartford for my Legacy and I think I saved around $40 each month. I get multi-vehicle and multi-policy discounts. Just waiting to see how claims go.

  6. Lynna Larson

    I went with Allstate at renewal. Best rates in Fargo, North Dakota. Insured with MetLife before. Even increased coverage a bit. Highly recommended.

  7. Gregoria Garza

    From Warren, MI. Got car insurance prices from Safeco, Farmers, State Farm, and Amica for my Legacy and saved about $510 a year. Insured with Hanover before.

  8. Lacey Boone

    Affordable car insurance is a myth. I live in Buffalo, NY. Received quotes from State Farm, Erie, and Hartford for my Legacy and am saving around $280 a year. Teenage drivers are expensive! It was easy to get rates.

  9. Krystyna Bernard

    Here’s my info. From northwest of Bellevue, Nebraska. Don’t remember every company but I ended up saving about $20 each month. Did it all online.

  10. Bambi Moon

    If you don’t have tickets and are close to Great Falls, MT, check out GEICO. They seem to be cheaper. Insured with Auto-Owners before. My new agent seems to be really good. Not sure if rates are cheaper online or not.

  11. Jerica Hatfield

    I’m from Boston, MA. Can’t remember who all I quoted but I ended up saving about $30 each month.