Save on 2010 Subaru Legacy Car Insurance Cost

Trying to find the cheapest car insurance rates for your Subaru Legacy? Are you at wits end from not being able to afford to pay car insurance each month? You are in the same boat as many other people.

People have so many car insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, having more car insurance companies makes it harder to find the best rates.

It’s a great practice to check car insurance prices occasionally since prices are rarely the same from one policy term to another. Just because you had the best price for Legacy insurance on your last policy a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to find out the fastest and easiest way to reduce your cost while improving coverage.

Finding affordable coverage is quite easy. If you have car insurance now, you should be able to cut costs considerably using these methods. Nevertheless, vehicle owners do need to know how the larger insurance companies price online insurance.

Discounts to earn affordable auto insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically at the time of purchase, but less common discounts must be specially asked for before you get the savings.

• Organization Discounts – Participating in qualifying clubs or civic groups could earn you a nice discount on auto insurance.
• Good Student – This discount may save you up to 25%. Earning this discount can benefit you up to age 25.
• No Charge for an Accident – Not necessarily a discount, but companies like Geico and Allstate allow you one accident before your rates go up if you are claim-free for a set time period.
• Multiple Cars – Purchasing coverage when you have multiple cars or trucks with one company can get a discount on all vehicles.
• Early Switch Discount – Some larger companies give discounts for renewing your policy prior to the expiration date on your current policy. The savings is around 10%.
• Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Legacy insurance with a few auto insurance companies.

Consumers should know that most discount credits are not given to the entire cost. Most only cut individual premiums such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any amount of discount should definitely cut the amount you have to pay.

If you would like to choose from a list of auto insurance companies that can offer you the previously mentioned discounts, click here.

The cheapest car insurance price quotes online

There are a lot of ways you can shop for car insurance but some are less labor-intensive and much quicker. You can spend countless hours talking to insurance companies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many companies enroll in a system where prospective buyers only type in their quote data once, and each participating company can give them a price. This saves time by eliminating repetitive form submissions for each company.

To compare pricing click here (opens in new window).

The one disadvantage to doing it this way is that you can’t choose the providers you want to price. So if you want to choose specific providers to request quotes from, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

Whichever method you choose, try to use the exact same coverage limits and deductibles for every company. If you enter differing limits it’s impossible to find the best deal for your Subaru Legacy. Just slight variations in insurance coverages or limits may cause a big price difference. And when comparing car insurance rates, know that comparing all the rates in your area helps improve the odds of finding a better price.

Decisions you make can impact your insurance costs

When buying insurance it’s important to understand the rating factors that come into play when calculating your insurance rates. If you have some idea of what determines premiums, this helps enable you to make changes that may result in lower premium levels. Many things are used when premium rates are determined. Some factors are common sense like a motor vehicle report, but other factors are more transparent like your continuous coverage or your vehicle rating.

Listed below are just a few of the factors used by insurance companies to determine rates.

• Save by driving safer vehicles – Vehicles that have high safety ratings get lower rates. Vehicles built for safety result in less severe injuries and fewer injuries means your insurance company pays less passed on to you as lower rates. If your Subaru Legacy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Never let your insurance policy lapse – Driving your car without having proper coverage is not a good idea and insurance companies will penalize you for letting your insurance lapse for non-payment. Not only will you pay more, the inability to provide proof of insurance will get you a steep fine or even jail time.
• How credit history affects insurance prices – Having a bad credit score can be an important factor in calculating your insurance rates. Insureds that have good credit tend to be less risk to insure than those with lower credit ratings. Therefore, if your credit history can be improved, you could save money insuring your 2010 Subaru Legacy if you clean up your credit.
• Costs impacted by vehicle usage – The more miles you rack up on your Subaru each year the higher your rate. Most insurance companies charge rates determined by how the vehicle is used. Vehicles that do not get driven very much receive better premium rates than vehicles that are driven to work every day. An improperly rated Legacy can result in significantly higher rates. It’s a good idea to make sure your vehicle rating reflects the correct driver usage.
• Why do you need liability? – Liability insurance will protect you if a court rules you are at fault for damages from an accident. It will provide legal defense starting from day one. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
• Certain employers pay higher premiums – Did you know your job can affect your rates? Occupations like lawyersair traffic controllers and emergency personnel usually pay higher premiums than the average policyholder attributed to high stress and extremely grueling work hours. Conversely, careers such as professors, students and performers pay lower than average rates for Legacy insurance.
• Males pay higher costs – Statistics demonstrate females are less aggressive when driving. However, don’t assume that men are worse drivers. Both genders have accidents in similar numbers, but the males tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.
• Consolidate home and auto and save – Lots of insurance companies will award lower prices to customers who carry more than one policy, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, drivers will still want to compare rates to confirm you are receiving the best rates possible. It’s possible to still save even more than the discount by buying insurance from more than one company.

Tailor your insurance coverage to you

When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine if your situation would benefit from professional advice.

• Does my insurance cover a custom paint job?
• What is the minimum liability in my state?
• At what point should I drop full coverage?
• Am I insured when driving a different vehicle?
• Do I need replacement cost coverage on my 2010 Subaru Legacy?
• Can I drive in Mexico and have coverage?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Car insurance savings promises

Big name companies like State Farm, Geico and Progressive endlessly run television and radio advertisements. They all try to convey promises about saving some big amount if you get a free insurance quote and switch to them. How does every company make almost identical claims? This is the way they can do it.

All the different companies have a certain “appetite” for the type of driver that is profitable for them. An example of this type of insured should be between the ages of 30 and 50, owns their home, and drives less than 10,000 miles a year. A customer that matches those criteria will most likely get cheap rates and will also cut their rates substantially.

Drivers who cannot meet those standards may be required to pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can truthfully state the savings. Because of this risk profiling, it is so important to get insurance quotes as often as possible. It is impossible to predict which insurance companies will have better premium rates than you’re paying now.

Car insurance coverages 101

Having a good grasp of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills for prosthetic devices, X-ray expenses and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Subaru Legacy.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive protection – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, vandalism, a broken windshield and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance will pay to fix damage to your Legacy resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a parking meter, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverage – This protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, repair costs for stationary objects, 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.

One last thing about your coverage

You just read a lot of tips how to get a better price on 2010 Subaru Legacy insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the lowest priced insurance comes from a lesser-known regional company. They often have lower car insurance rates on specific markets compared to the large companies like State Farm and Allstate.

Low-cost 2010 Subaru Legacy insurance is attainable both online and from local insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who don’t offer online rate quotes and many times these regional carriers only sell coverage through local independent agencies.

For more information, take a look at these articles:

• Speed and Speed Limit FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Anti-Lock Brake FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)