1996 Subaru Legacy Insurance Rates – 6 Tips for Cheaper Quotes

Looking for better insurance rates for your Subaru Legacy? Paying for high-priced Subaru Legacy insurance can drain your checking account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Lots of insurance companies contend for your hard-earned dollar, so it’s not easy to compare every provider and get the definite cheapest price

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You could waste time talking to agents in your area, or you could use the internet to get pricing more quickly.

Most of the best insurance companies enroll in a system where prospective buyers complete one form, and at least one company then gives them pricing for coverage. This prevents consumers from doing quotation requests to every company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to using this type of system is you are unable to specify the insurers to get pricing from. So if you want to select from a list of companies to compare, we have a listing of companies who write auto insurance in your area. Click to view list.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same coverages and limits for every company. If your comparisons have differing limits it will be very difficult to determine the best price for your Subaru Legacy.

Discounts are available to cut your rates

The price of auto insurance can be rather high, but you can get discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but a few must be inquired about before you will receive the discount. If you don’t get every credit you deserve, you are throwing money away.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Sign Online – Certain companies give back up to $50 for buying a policy and signing up over the internet.
  • No Charge for an Accident – Certain companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Legacy insurance than drivers with accidents.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will reduce the amount you have to pay.

A partial list of companies that may have some of the above discounts include:

Double check with all companies you are considering what discounts are available to you. All car insurance discounts might not apply everywhere.

Everyone needs different coverages

When it comes to choosing the best car insurance coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • How many claims can I have before being cancelled?
  • Am I covered if I drive in a foreign country?
  • How much liability coverage do I need in my state?
  • Can I make deliveries for my home business?
  • Should I waive the damage coverage when renting a car?
  • What can I do if my company denied a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is the ISO rating for a 1996 Subaru Legacy?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your auto insurance policy

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, vandalism and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays for damage to your Legacy resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, crashing into a building and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Legacy.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses for things like nursing services, EMT expenses and ambulance fees. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance can cover damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have 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 property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like loss of income, repair costs for stationary objects, legal defense fees and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Feed the piggy bank

In this article, we covered a lot of tips how to reduce 1996 Subaru Legacy insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies. These companies often have lower prices on specific markets as compared to the big name companies such as Progressive and Geico.

Lower-priced insurance is available from both online companies as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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