2011 Subaru Legacy Insurance Quotes – 10 Policy Discounts

Looking for lower insurance rates for your Subaru Legacy? If you’re searching for lower-cost insurance online, are you intimidated by the dozens of insurance sources in your area? Many other people are as well. You have so many sources available that it can really be a burden to find lower premium rates.

It’s a good idea to compare premium rates before your next renewal because prices change quite often. Just because you found the best rates on Legacy insurance two years ago there may be better deals available now. There is lot of inaccurate information about insurance out there, but in this article, you’re going to get some great ideas on how to put money back in your pocket.

The quickest method we recommend to compare rates is to know the trick most of the bigger providers provide online access to give free rates quotes. All consumers are required to do is provide a little information such as if it has an anti-theft system, how much education you have, if you have an active license, and whether the vehicles are used for commuting. Your information is then submitted to insurance carriers in your area and you receive quotes instantly.

If you wish to get multiple quotes for your Subaru Legacy now, click here and find out if you can get cheaper insurance.

Take advantage of with these ten discounts

Some companies don’t always advertise every possible discount very clearly, so the below list has a few of the more well known and also the more inconspicuous credits that may apply to you.

• Senior Citizen Discount – Drivers over the age of 55 may be able to get a slight reduction on a auto insurance quote on Legacy insurance.
• Own a Home – Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your auto insurance quote.
• E-sign Discounts
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 15% off the personal injury premium cost.
• Savings for New Vehicles – Buying insurance coverage on a new vehicle may earn a small discount since new model year vehicles have better safety ratings.
• One Accident Forgiven – This one is not really a discount per se, but companies like State Farm and Geico will let one accident slide before your rates go up with the catch being you have to be claim-free for a certain period of time.
• Low Mileage – Low mileage vehicles could be rewarded with slightly better rates than normal.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life insurance policy as well.
• Passive Restraint Discount – Vehicles equipped with air bags could see savings of 20% or more.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will cut your overall premium however.

Popular insurance coverage companies and some of the premium reductions they offer are included below.

• State Farm policyholders can earn discounts including driver’s education, good driver, multiple autos, passive restraint, defensive driving training, and safe vehicle.
• Progressive offers premium reductions for multi-vehicle, multi-policy, online signing, good student, continuous coverage, homeowner, and online quote discount.
• Progressive has discounts for online signing, online quote discount, good student, multi-policy, and homeowner.
• MetLife has savings for good driver, multi-policy, defensive driver, claim-free, good student, and accident-free.
• Farm Bureau may offer discounts for renewal discount, youthful driver, safe driver, multi-policy, and multi-vehicle.
• Geico discounts include anti-theft, multi-vehicle, anti-lock brakes, federal employee, and emergency military deployment.
• SAFECO includes discounts for multi-car, anti-theft, homeowner, bundle discounts, safe driver, accident prevention training, and anti-lock brakes.

When getting a coverage quote, ask every company which discounts you may be entitled to. Discounts might not apply in your area. If you would like to see a list of insurers who offer discounts, click this link.

Your situation helps dictate your coverage

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether you might need professional guidance.

• Is a new car covered when I drive it off the dealer lot?
• How much liability do I need to cover my assets?
• Am I covered when driving on a suspended license?
• When would I need rental car insurance?
• Do I need to file an SR-22 for a DUI in my state?
• Which is better, split liability limits or combined limits?
• I have good health insurance, so how much medical payments coverage do I need?
• Does my insurance cover a custom paint job?
• Am I covered when driving someone else’s vehicle?
• Is my 2011 Subaru Legacy covered for smoke damage?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverages explained

Having a good grasp of auto insurance aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Auto liability insurance – Liability coverage can cover damage that occurs to other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as legal defense fees, emergency aid, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, a broken windshield, rock chips in glass and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for dental work, EMT expenses, chiropractic care and pain medications. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family 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. So UM/UIM coverage is very important.

Collision – Collision insurance will pay to fix damage to your Legacy from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, crashing into a building, damaging your car on a curb, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.