2008 Subaru Legacy Insurance Quotes – 10 Policy Discounts

Want cheaper insurance rates for your Subaru Legacy? Trying to find cheaper insurance for your Subaru Legacy can normally be difficult, but you can learn the following methods to save time. There are more efficient ways to buy insurance and you need to know the proper way to quote coverages on a Subaru and find the cheapest rates from both online companies and local agents.

Finding the best rates is quite easy. If you have a policy now or are shopping for new coverage, you will benefit by learning to reduce the price you pay and still get good coverage. Drivers just need to learn how to get comparison rates online.

These ten discounts can cut auto insurance rates

Companies don’t always list all disounts very well, so the following list contains both well-publicized and the more hidden credits that you can use to lower your rates.

• ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
• Military Rewards – Having an actively deployed family member could mean lower premium rates.
• Good Student – Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• 55 and Retired – If you’re over the age of 55, you can possibly qualify for reduced rates for Legacy coverage.
• Professional Memberships – Belonging to qualifying clubs or civic groups could earn you a nice discount when shopping for auto insurance.
• Low Mileage Discounts – Driving less can qualify you for substantially lower auto insurancerates.
• Passenger Safety Discount – Vehicles equipped with air bags may get savings of up to 25% or more.
• Telematics Data Discounts – Drivers who agree to allow driving data collection to track driving habits by using a telematics device such as Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
• Anti-theft Discount – Vehicles with anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• Multi-car Discount – Buying a policy with multiple cars or trucks on one policy can reduce rates for all insured vehicles.

Drivers should understand that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A list of auto insurance companies and a summarized list of policyholder discounts are:

• Mercury Insurance offers discounts for anti-theft, age of vehicle, accident-free, good student, annual mileage, multi-car, and good driver.
• Farmers Insurance has discounts for pay in full, bundle discounts, multi-car, alternative fuel, and distant student.
• Farm Bureau has savings for driver training, good student, multi-vehicle, renewal discount, multi-policy, 55 and retired, and youthful driver.
• State Farm offers premium reductions for anti-theft, multiple policy, Steer Clear safe driver discount, accident-free, safe vehicle, good driver, and driver’s education.
• Allstate offers discounts including passive restraint, utility vehicle, defensive driver, EZ pay plan discount, economy car, and good student.
• Geico may have discounts that include multi-policy, seat belt use, federal employee, membership and employees, defensive driver, and air bags.

Before buying, ask every company which discounts you qualify for. All car insurance discounts may not apply to policyholders in your state. For a list of providers who offer cheap auto insurance quotes, follow this link.

Low cost insurance coverage prices

All the larger insurance coverage companies like State Farm, Geico and Progressive give price estimates from their websites. Getting quotes is fairly straightforward as you simply type in on the page. Once you submit the form, the company’s rating system automatically orders information on your driving record and credit history and returns pricing information based on the data you entered.

Online price quotes streamlines rate comparisons, but the work required to visit many different websites and type in the same data is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible in order to get a better rate.

There is an easier way!

An easier way to find better insurance coverage pricing uses one simple form to return rates from several companies at one time. It saves time, requires less work, and makes price shopping online much simpler. After sending the form, your coverage is rated and you can select your choice of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The entire process takes less than 15 minutes and could lower your rates considerably.

To quickly fill out one form to compare multiple rates now, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you enter just like they are on your policy. Doing this guarantees you will have rate comparison quotes based on the exact same insurance coverage.

When do I need an agent’s advice?

When choosing the right insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions can aid in determining if you would benefit from an agent’s advice.

• When would I need additional glass coverage?
• Should I drop comprehensive coverage on older vehicles?
• Is business property covered if stolen from my car?
• Does coverage extend to my business vehicle?
• When should I drop full coverage on my 2008 Subaru Legacy?
• Are rock chip repairs covered?
• What is the difference between comprehensive and collision coverage?
• Does my medical payments coverage pay my health insurance deductible?
• Is a blown tire covered by insurance?
• Am I covered if I crash into my own garage door?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Can you really save if you switch?

Consumers can’t escape the ads that claim the cheapest rates by companies like State Farm, Geico and Progressive. They all seem to convey the message that you can save after switching to them.

It sounds good, but how can they all have lower policy pricing? You have to listen carefully.

Insurance companies give the best rates for the driver that makes them money. A good example of a desirable risk might be over age 30, carries full coverage, and has great credit. Any customer that meets those criteria will qualify for the lowest auto insurance rates and most likely will save when switching.

Potential insureds who are not a match for those standards will have to pay higher rates which leads to the driver buying from a lower-cost company. The ads say “customers that switch” not “all people who quote” will save that much if they switch. That is how companies can truthfully make the claims of big savings. Because each company has a different risk profile, you need to get insurance coverage quotes as often as possible. Because without a comparison, you cannot know which company will provide the lowest prices.

Insurance specifics

Learning about specific coverages of insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your 2008 Subaru Legacy.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, damage from flooding and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like X-ray expenses, rehabilitation expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This coverage covers damage to your Legacy from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, rolling your car, colliding with a tree, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Liability auto insurance – This coverage provides protection from damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like attorney fees, bail bonds and loss of income. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Stretch your dollar

Cheaper 2008 Subaru Legacy insurance is available on the web and from local agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and many times these smaller companies work with independent insurance agencies.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced liability coverage limits and learned later they didn’t have enough coverage. The aim is to find the BEST coverage at the best possible price.

Drivers leave their current company for a number of reasons such as lack of trust in their agent, poor customer service, extreme rates for teen drivers and even questionable increases in premium. Regardless of your reason for switching companies, finding a new auto insurance company is not as hard as you think.

More detailed auto insurance information is located in these articles:

• State Laws for Cellphones and Texting (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• Alcohol Impaired Driving FAQ (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)