How Much Does 2016 Subaru Legacy Car Insurance Cost?

Looking for the cheapest car insurance rates for your Subaru Legacy? Are you at wits end from scraping nickels together to keep your car insured? You’re in the same situation as millions of other consumers. Lots of insurance companies contend for your insurance dollar, and it can be difficult to compare rates to discover the definitive cheapest price

Drivers save money with these rate-reducing discounts

Insurance is neither fun to buy or cheap, but you may qualify for discounts that many consumers don’t even know exist. Some trigger automatically at the time of quoting, but a few must be requested specifically before they will apply.

  • Early Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Multi-car Discount – Insuring all your vehicles on one policy could earn a price break for each car.
  • Data Collection Discounts – Insureds who allow their insurance company to look at where and when they drive by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they show good driving skills.
  • Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
  • Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.
  • ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared to frequent claim filers.
  • Own a Home and Save – Owning a house can save a few bucks since owning and maintaining a home demonstrates responsibility.
  • Discount for New Cars – Adding a new car to your policy may earn a small discount because new model year vehicles are generally safer.
  • Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Even though the math looks like you can get free auto insurance, it’s just not the way it works.

If you would like to view insurance companies offering insurance discounts, click here to view.

Smart buyers know how to get insurance more affordably

The best way to find cheaper insurance is to take a look at some of the factors that go into determining your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in cheaper rates. Lots of factors are used when premium rates are determined. Most are fairly basic like a motor vehicle report, although some other factors are more transparent like where you live or your vehicle rating.

  • Never let your coverage expire – Not maintaining insurance is illegal and your next policy will cost more because you let your coverage lapse. In addition to paying higher premiums, being ticketed for driving with no insurance could earn you a steep fine or even jail time.
  • Protect yourself with liability insurance – Your insurance policy’s liability coverage is the coverage that protects you in the event that you are found liable for an accident. It will provide you with a defense in court to attempt to prove you were not liable. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Optional features can affect rates – Purchasing a vehicle with a theft deterrent system can save you some money. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.
  • Discounts for married couples – Your spouse may save some money on your insurance bill. Marriage generally demonstrates drivers are more stable financially and statistics show drivers who are married are more cautious.
  • Job reflects on rates – Do you work in a high-stress field? Occupations like fire fighters, executives and accountants have higher rates than the rest of us attributed to high stress and long work days. Conversely, careers such as actors, historians and performers receive lower rates on Legacy insurance.

Do I need special coverages?

When it comes to buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine whether or not you will benefit from professional help.

  • Why is insurance for a teen driver so high?
  • When can I cancel my policy?
  • Do I need PIP coverage since I have good health insurance?
  • How much liability insurance is required?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When should my teen driver be added to my policy?
  • Who is covered by my policy?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Can you really save $393 a year?

Consumers can’t avoid all the ads that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to tend to make the same promise about how much you will save just by switching your policy.

How is it plausible that every one can claim to save you money? It’s all in the wording.

Insurance providers quote the lowest rates for the type of driver that will not have excessive claims. An example of a desirable insured may need to be over age 30, insures multiple vehicles, and has a short commute. Anybody that fits those parameters will probably get the lowest prices and have a good chance to save if they switch.

Consumers who don’t meet these standards will have to pay higher rates which results in business going elsewhere. The wording the ads use say “people who switch” not “everyone that quotes” can save as much as they claim. This is how companies can claim big savings.

This emphasizes why you should quote coverage with many companies. It’s just not possible to know which insurance companies will have the best rates.

Insurance coverage considerations

Learning about specific coverages of your insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Auto collision coverage

Collision insurance pays for damage to your Legacy caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability

This protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

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 limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as court costs, bail bonds, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Subaru Legacy.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, rock chips in glass, a broken windshield and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like nursing services, hospital visits, surgery, dental work and doctor visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Save your cold hard cash

Budget-conscious 2016 Subaru Legacy insurance is possible both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not have rates over the internet and most of the time these small, regional companies work with local independent agents.

When searching for low cost insurance quotes, do not skimp on coverage in order to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The goal is to purchase plenty of coverage at an affordable rate while still protecting your assets.

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Comments About 2016 Subaru Legacy Insurance

  1. An Mcdonald

    Quoted with MetLife for my Subaru and saved around $110 a year. My new agent seems to be really good.

  2. Magali Hester

    In Saint Louis, MO, Auto-Owners had the best rates for my 2016 Subaru Legacy. Insured with Liberty Mutual before. BTW speeding tickets are not good.

  3. Giuseppe Keith

    If you don’t have tickets and are close to Atlanta, GA, check out State Farm. They seem to be cheaper. BTW speeding tickets are not good.

  4. Charleen Travis

    Just my two cents. Checking in from Rochester, MN. Quoted prices from State Farm, AIG Insurance, Encompass, and The General for my Subaru and I think I cut my rates about $30 each month. It’s still not cheap enough.

  5. Lynetta Thornton

    Just a quick comment on my experience. I live just to the south of Rapid City, South Dakota. Can’t remember who all I quoted but I ended up saving about $40 each month. Insured with 21st Century before.

  6. Kandra Petty

    Here’s my quote info. Proud to be from Fairbanks, AK. I compared lots of rates. Saved roughly $30 a month. Allstate was the best choice for me. Ask about discounts. Did it all online.

  7. Aundrea Todd

    Here’s my quote info. Found cheapest coverage with Auto-Owners for my Legacy and cut my rates about $350 a year. I’m a pretty good driver though.

  8. Moshe Simpson

    I live in Buffalo, NY. Got rates from Progressive, Esurance, and The General for my 2016 Subaru Legacy and saved $573 a year. My new agent seems to be really good.

  9. Laurice Briggs

    Nice info. Found cheapest coverage with Progressive for my Subaru and cut my rates about $340 a year. They offer free online rate quotes.

  10. Abram Vargas

    Live in the northern part of Seattle, WA. Quoted rates from 21st Century, American Family, and some I forget for my Legacy and I’m now saving $24 a month. I think they have home insurance too.

  11. Dortha Sparks

    2016 Subaru Legacy + Progressive = GOOD RATES!

  12. Sherman Dyer

    Like your site, BTW. I live on the north side of Madison, Wisconsin. Quoted rates from Progressive, Eastwood, and The General for my Subaru and am saving around $160 a year. Highly recommended.

  13. Leon Wyatt

    Are State Farm rates cheap in Washington?

  14. Roosevelt Dyer

    I drive uninsured.

  15. Alfreda Snider

    IT’S ALL TOO EXPENSIVE! I live just outside Kansas City, MO. Got car insurance quotes with Western Auto Insurance, AAA, Hanover, and MetLife for my 2016 Subaru Legacy and I’m now saving $47 a month.