Lower Your 2018 Subaru Legacy Insurance Quotes

Did you fall for a flashy sales pitch and buy high-priced car insurance? You’re preaching to the choir because there are lots of residents who feel the same.

Multiple auto insurance companies compete for your insurance dollar, so it’s not easy to compare every provider and uncover the absolute best price available.

It is always a good idea to price shop coverage at least once a year because insurance prices change quite often. Even if you think you had the best rate on Legacy insurance a year ago you will most likely find a better premium rate today. You can find a lot of misleading information regarding car insurance online but in just a couple of minutes you can learn a bunch of ideas how to quit paying high car insurance rates.

Why you might pay lower rates

Many things are part of the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but others are less obvious such as your credit history or how safe your car is.An important part of buying insurance is that you know some of the elements that are used to determine the level of your policy premiums. If you have a feel for what influences your rates, this enables you to make decisions that can help you get big savings.

Shown below are just a few of the factors that factor into your prices.

  • Location can impact price – Residing in less populated areas is a good thing when buying insurance coverage. Drivers in populated areas regularly have more aggressive driving styles and longer commute times. Fewer people translates into fewer accident claims and also fewer theft and vandalism claims.
  • Liability insurance safeguards assets – A critical coverage on your policy, liability insurance kicks in in the event that you are ruled to be at fault for an accident. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Higher insurance coverage rates for demanding employers – Jobs like real estate brokers, architects and stock brokers have the highest rates in part from intense work-related stress and long work hours. On the flip side, professions such as scientists, athletes and homemakers pay lower than average rates on Legacy insurance.
  • Insurance premiums and driver gender – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both are in accidents at a similar rate, but guys have accidents that have higher claims. Men also get cited for more serious violations such as reckless driving.
  • Mature drivers pay less – Teenage drivers are statistically shown to be inattentive and easily distracted when driving so insurance coverage rates are higher. Older people tend to be more responsible, are lower risk to insure and receive fewer citations.
  • Commute or pleasure use – The more you drive your Subaru each year the more it will cost to insure it. Many insurance companies calculate rates based on how the vehicle is used. Autos that have low annual miles receive better premium rates than vehicles that are driven to work every day. Make sure your insurance coverage policy shows the right rating data, because it can save money. An improperly rated Legacy may be costing you.
  • Don’t cancel your insurance coverage policy without a new one in place – Letting your insurance expire is a guaranteed way to increase your insurance coverage rates. Not only will you pay more, the inability to provide proof of insurance can result in a fine, jail time, or a revoked license.

How to buy insurance coverage online

Most companies provide prices for coverage on their websites. Comparing rates online doesn’t take a lot of time as you simply type in the coverages you want on the page. After the form is submitted, the company’s rating system gets your credit score and driving record and quotes a price determined by many factors. Quoting online makes it easy to compare insurance prices but having to visit many different websites and type in the same information gets old quite quickly. But it’s also necessary to get many rate quotes in order to get a better rate.

Isn’t there an easier way to compare rates?

A less time-consuming method to find better insurance coverage pricing utilizes a single form that gets price quotes from several companies at one time. It saves time, requires less work, and makes online shopping much simpler. Once the form is submitted, it gets priced and you can select any of the quote results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. It takes less than 15 minutes and you will know how your current rates stack up.

To get comparison pricing now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you input the coverage information identical to your current policy. This way, you will receive a fair comparison for exact coverage.

Cheap car insurance quotes with discounts

Companies offering auto insurance do not advertise every policy discount in an easy-to-find place, so the list below details some of the best known and the more hidden discounts that may be available.

  • Discounts for Safe Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Legacy insurance compared to accident prone drivers.
  • Low Miles Discount – Driving fewer miles could be rewarded with substantially lower rates.
  • No Accidents – Insureds who avoid accidents and claims can save substantially when compared to drivers who are more careless.
  • Discount for Multiple Policies – If you can combine your home and auto policy with the same insurance company you will save at least 10% off all policies.
  • Defensive Driver – Taking time to complete a course in defensive driver could earn you a small percentage discount and make you a better driver.

As is typical with insurance, many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Even though it appears you could get a free car insurance policy, companies wouldn’t make money that way.

Popular car insurance companies and the discounts they provide include:

  • Geico discounts include air bags, emergency military deployment, federal employee, anti-lock brakes, seat belt use, anti-theft, and military active duty.
  • USAA includes discounts for multi-policy, good student, defensive driver, driver training, loyalty savings, vehicle storage, and safe driver.
  • Progressive offers discounts including multi-policy, homeowner, continuous coverage, good student, online quote discount, multi-vehicle, and online signing.
  • American Family offers discounts for bundled insurance, early bird, air bags, good student, TimeAway discount, Steer into Savings, and good driver.
  • Esurance may offer discounts for DriveSense, good student, multi-car, homeowner, online shopper, claim free, and emergency road assistance.
  • Farmers Insurance policyholders can earn discounts including youthful driver, electronic funds transfer, mature driver, homeowner, and pay in full.
  • State Farm offers premium reductions for anti-theft, multiple autos, safe vehicle, accident-free, and passive restraint.

Before buying, ask every prospective company to give you their best rates. Discounts may not apply to policyholders everywhere. To locate insurers who offer discounts, click here.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions might point out if your insurance needs may require specific advice.

  • Can I make deliveries for my home business?
  • Can I rent a car in Mexico?
  • Can I drive in Mexico and have coverage?
  • Is my trailer covered?
  • Am I covered if hit by an uninsured driver?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Auto liability insurance

Liability insurance can cover damage that occurs to other people or property. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair bills for other people’s vehicles, attorney fees, funeral expenses and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Subaru Legacy.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision insurance

Collision coverage covers damage to your Legacy caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for hospital visits, prosthetic devices, X-ray expenses and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle 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

Compare but don’t skimp

We just showed you many tips how you can reduce 2018 Subaru Legacy insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheap insurance. You may be surprised to find that the best price on insurance coverage is with an unexpected company. They may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

A few companies do not offer internet price quotes and these regional insurance providers sell through independent insurance agencies. Lower-priced 2018 Subaru Legacy insurance can be purchased from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates.

More information is located at these links:

Comments About 2018 Subaru Legacy Insurance

  1. Nia Rasmussen

    Will State Farm cancel if I have a claim?

  2. Kathleen Ewing

    I found affordable 2018 Subaru Legacy insurance from Progressive in Aurora, Illinois.

  3. Trevor Greene

    I live in a small town just outside of Salt Lake City, UT. I got free prices from Safeco, Farmers, 21st Century, and Auto-Owners for my 2018 Subaru Legacy and saved $202 a year. Insured with Eastwood before. Have a couple speeding tickets too.

  4. Jacalyn Moran

    Hope my rates come down. Checking in from Columbus, GA. I quoted with Allstate, AAA, and some I forget for my Legacy and saved just over $500 a year. Got better coverage too. They offer free online rate quotes.

  5. Micaela Holcomb

    Where is cheaper car insurance? I’m in the suburbs of Charlotte, North Carolina. Got free quotes online for a 2018 Subaru Legacy. Ended up at about $560 savings annually. Went with GEICO.