2009 Subaru Legacy Insurance Quotes

Trying to find the cheapest auto insurance rates for your Subaru Legacy? Are you burned out from sacrificing to make your auto insurance payment? You have the same problem as many other drivers. Companies like State Farm, Geico and Farmers Insurance continually bombard you with ads and it can be hard to ignore the promise of big savings and find the best price available.

If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates and still get good coverage. Finding affordable coverage is not that difficult. Drivers only need to know the best way to compare company rates on the web.

Finding auto insurance

Most of the larger companies like Progressive, Geico, Allstate and State Farm allow consumers to get insurance quotes online. This process can be done by anyone as you simply enter the coverage amounts you desire into a form. After you submit the form the company’s rating system will order reports for credit and driving violations and returns a price quote based on many factors. Online price estimates makes comparing rates easy, but the work required to visit different websites and type in the same information is repetitive and time-consuming. But it’s necessary to have as many quotes as possible if you are searching for the lowest auto insurance rates.

A more efficient way to find lower prices uses just one form that gets price quotes from many companies. It’s a real time-saver, eliminates repetitive work, and makes online quotes much more efficient. After your information is entered, it is quoted and you are able to buy your choice of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and buy the policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and compare pricing, click here and fill out the form. If you have a policy now, it’s recommended you duplicate the coverages as close as possible to your current policy. This ensures you will get comparison quotes using the exact same coverages.

Auto insurance savings promises

Consumers get pounded daily by advertisements that promise big savings by Progressive, Geico, Allstate and State Farm. All the ads say the same thing that drivers will save a bundle if you change your coverage to them.

How do they all charge you less for car insurance?

Insurance companies can use profiling for the type of customer that will most likely be profitable. One example of a profitable insured should be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. A driver that meets those criteria will get very good rates and will also save quite a bit of money when switching.

Consumers who don’t qualify for those standards will probably have to pay more expensive rates and ends up with business going elsewhere. The trick is to say “people that switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can confidently make it sound like they have such great car insurance rates.

That is why you need to do a rate comparison at every renewal. It’s impossible to know with any certainty which company will have the best rates.

Lower your insurance rates

Many things are used in the calculation when premium rates are determined. Some of the criteria are obvious such as traffic violations, but some are less apparent such as your marital status or how financially stable you are.An important part of buying insurance is that you know the different types of things that play a part in calculating auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that may result in cheaper rates.

• Are women or men drivers cheaper? – Over time, data shows females are less aggressive when driving. It does not mean women are better drivers. Men and women have fender benders in similar percentages, but guys cause more damage and cost insurance companies more money. They also get ticketed for serious violations like reckless driving and DUI.
• Rates and employer – Did you know your occupation can influence how much you pay for auto insurance? Jobs like fire fighterspolice officers and dentists usually pay the highest rates due to intense work situations and long work days. On the flip side, careers like farmers, athletes and retirees have the lowest average rates for Legacy insurance.
• Small frequent insurance claims are not good – If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Auto insurance companies give the lowest premiums to insureds who do not rely on their insurance for small claims. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
• Continuous coverage saves money – Having a lapse in insurance coverage can be a sure-fire way to increase your auto insurance rates. Not only will you pay more, being ticketed for driving with no insurance will get you fines or a revoked license.
• Cautious drivers pay the best costs – Being a careful driver has a big impact on rates. Even one ticket can increase the cost of insurance substantially. Drivers with clean records tend to pay less for car insurance as compared to careless drivers. Drivers who have received flagrant violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive a vehicle.
• Car plus home equals more savings – Most insurers afford better rates to policyholders who buy several policies from them in the form of a multi-policy discount. Even with this discount applied, you may still want to compare rates to verify if the discount is saving money.There is a good possibility that you can find better rates by insuring with multiple companies.
• Your address can push rates up or down – Having an address in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Fewer people means reduced accidents as well as less vandalism and auto theft. People who live in big cities tend to have congested traffic and higher rates of accident claims. Spending more time driving translates into higher accident risk.
• Increase comp and collision deductibles to save – Insurance for physical damage, also called comprehensive and collision insurance, insures against damage to your Subaru. Some instances where coverage would apply are running into the backend of another car, flood damage, and having your car stolen. Comp and collision deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. The larger the amount you’re willing to pay, the lower your rates will be for Legacy insurance.

Get cheap insurance with discounts

Some insurers do not advertise all available discounts very clearly, so the following is a list of both the well known and the harder-to-find discounts that may be available.

• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school or through a local driver safety program.
• Claim Free – Good drivers with no accidents get the best insurance rates in comparison with drivers with a long claim history.
• Responsible Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% for Legacy insurance than drivers with accident claims.
• No Charge for an Accident – This one is not really a discount per se, but companies like Liberty Mutual and Geico will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a specific time period.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off PIP or medical payments premium.
• Air Bag Discount – Vehicles equipped with air bags may qualify for discounts up to 30%.

Just know that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.

To locate insurance companies with discount insurance rates, click this link.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

• Where can I find DUI or SR-22 insurance?
• At what point should I drop full coverage?
• Am I covered by my spouse’s policy after a separation?
• Do I get a pro-rated refund if I cancel my policy early?
• Does car insurance cover theft of personal property?
• What is high-risk coverage and where do I buy it?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Specific coverage details

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on most insurance policies.

Collision protection

This coverage pays for damage to your Legacy resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, crashing into a building, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru Legacy.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, court costs, attorney fees, medical expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses such as EMT expenses, hospital visits, prosthetic devices, rehabilitation expenses and surgery. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, rock chips in glass, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Smart shoppers get results

The cheapest 2009 Subaru Legacy insurance can be sourced both online and from local insurance agents, so you need to quote insurance coverage with both to have the best rate selection. Some insurance providers do not provide online quoting and usually these smaller providers only sell coverage through independent insurance agencies.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an insured cut physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

You just learned a lot of tips how to shop for 2009 Subaru Legacy insurance online. The most important thing to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding the cheapest insurance coverage. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising. These companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Allstate, Geico and Progressive.

More tips and info about insurance coverage can be found at these sites:

• Neck Injury FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)