Save on 2015 Subaru Legacy Car Insurance Rates

Searching for lower car insurance rates for your Subaru Legacy? Wish you could get out of an expensive car insurance policy? It’s a common feeling and there are many drivers thinking the same thing.

There are many insurance companies to pick from, and although it’s a good thing to be able to choose, so many choices can make it hard to get the best deal.

It’s a great practice to compare prices every six months because prices go up and down regularly. Just because you had the best price on Legacy insurance at your last renewal there may be better deals available now. You can search a lot of car insurance on the web, but you can learn some tested techniques to find affordable car insurance.

Finding affordable coverage is not rocket science. In a nutshell, every vehicle owner who buys car insurance will more than likely be able to find better rates. But car owners must know how big insurance companies price online insurance and take advantage of how the system works.

Quote insurance online

Shopping for lower insurance rates is a ton of work if you don’t understand the best way to get rate quotes. You can waste hours talking about coverages with agents in your area, or you could save time and use the web for quick rates.

Many insurance companies enroll in a system where prospective buyers enter their policy data once, and each participating company then gives them pricing for coverage. This prevents consumers from doing form submissions for each company.

To compare rates now click here (opens in new window).

The only downside to getting quotes like this is buyers cannot specifically choose the insurers you want pricing from. So if you prefer to choose from a list of companies to compare, we put together a list of low cost insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just try to keep equivalent quote data for every company. If you use different limits and deductibles on each one it’s impossible to determine the lowest rate for your Subaru Legacy. Even a minor difference in insurance coverages or limits can result in a big premium difference. And when quoting insurance, remember that getting more free quotes increases your odds of finding better pricing. Some regional insurers cannot provide online quotes, so you also need to get price quotes from them, too.

Smart consumers know how to buy insurance coverage cheaper

The best way to find cheaper insurance coverage is to take a look at the factors that help calculate the price you pay for insurance coverage. When consumers understand what impacts premium levels, this allows you to make good choices that may reward you with much lower annual insurance costs. Multiple criteria are part of the equation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, although some other factors are not as apparent like your continuous coverage or how financially stable you are.

The items below are a partial list of the pieces that factor into your prices.

• Does car insurance cost less for gals? – The statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better at driving than males. Men and women are responsible for fender benders at about the same rate, but the males tend to have higher claims. Not only that, but men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
• Car insurance liability limits – Liability insurance will provide protection when you are ruled to be at fault for damages caused by your negligence. This coverage provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Annual mileage impacts costs – Driving a lot of miles in a year’s time the higher your rates will be. Almost all companies rate vehicles based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. It’s a smart idea to ensure your vehicle rating states annual mileage, because it can save money. Incorrect rating for your Legacy is throwing money out the window.
• Safer occupants lowers prices – Vehicles with good safety scores tend to have lower insurance rates. The safest vehicles have better occupant injury protection and reduced instances of injuries means less claims paid passed on to you as lower rates.
• Continuous coverage saves money – Having a lapse in insurance coverage can be a quick way to trigger a rate increase. Not only will you pay higher rates, the inability to provide proof of insurance will get you fines and jail time. You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Car plus home equals more savings – Some companies provide lower prices to insureds who consolidate policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be ten percent or more. Even if you qualify for this discount already, you may still want to compare other insurance prices to help ensure you have the lowest rates. You may still find a better deal by buying insurance from more than one company.
• Insurance claims cost money – Auto insurance companies give cheaper rates to policyholders that do not abuse their auto insurance. If you are a frequent claim filer, you can expect higher rates. Your car insurance is intended for the large, substantial claims.
• Know your credit rating – Having a good credit score will be a significant factor in determining what you pay for insurance coverage. Insureds that have very high credit ratings tend to be less risk to insure than drivers with worse credit. So if your credit history could use some work, you could pay less to insure your 2015 Subaru Legacy by repairing your credit.

You may qualify for discounts

Insuring your vehicles can cost a lot, but you might find some hidden discounts that may help make it more affordable. Some discounts apply automatically at quote time, but occassionally some discounts must be asked for prior to receiving the credit.

• Good Driver Discounts – Drivers who avoid accidents could pay up to 40% less on Legacy insurance than their less cautious counterparts.
• Life Insurance Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy life insurance from them.
• Senior Citizens – Drivers over the age of 55 may qualify for better car insurance rates on Legacy insurance.
• Homeowners Pay Less – Owning a home can earn you a little savings because of the fact that having a home demonstrates responsibility.
• Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote insurance coverage on Legacy insurance depending on your car insurance provider.
• Driver Education Discount – Cut your cost by having your teen driver complete a driver education course if offered at their school.
• Paperwork-free – A handful of insurance companies provide a small discount for buying your policy digitally online.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as medical payments or collision. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way.

Some of the larger companies that have these money-saving discounts may include but are not limited to:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

When quoting, ask all the companies to give you their best rates. Some of the discounts discussed earlier might not be offered in your area. If you would like to choose from a list of companies who offer free car insurance quotes, click here.

There’s no such thing as the perfect auto insurance policy

When buying the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might point out whether your personal situation might need an agent’s assistance.

• Should I put collision coverage on all my vehicles?
• Should I buy full coverage?
• Am I covered when driving a rental car?
• How much liability coverage do I need in my state?
• Is business equipment covered while in my vehicle?
• What companies insure drivers after a DUI or DWI?
• Do I have any recourse if my insurance company denies a claim?
• I have a DUI can I still get coverage?
• When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Coverages available on your policy

Knowing the specifics of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like dental work, nursing services, X-ray expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, vandalism, a tree branch falling on your vehicle, hitting a deer and damage from flooding. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

This coverage provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like medical services, structural damage, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Subaru Legacy.

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

Power to the consumer

When shopping online for insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The goal is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Lower-priced insurance can be purchased from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide the ability to get quotes online and most of the time these regional insurance providers provide coverage only through independent insurance agents.

Helpful learning opportunities

• Tread Depth and Tire Safety (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Frontal Crash Tests (iihs.org)
• Medical Payments Coverage (Liberty Mutual)