1998 Subaru Legacy Car Insurance Rates

No one in their right mind likes paying for insurance, especially knowing they are paying too much.

You have so many car insurance companies to insure vehicles with, and though it is a good thing to have a choice, lots of choices makes it harder to locate the cheapest rates.

Choosing the best insurance company for you is easy if you know what you’re doing. In a nutshell, everyone who shops for insurance coverage most likely will be able to reduce their rates. Although drivers must know how the larger insurance companies sell insurance online and apply this information to your search.

How to Get Car Insurance Comparison Quotes

Comparing car insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to achieve your goal.

Many of the larger companies participate in an industry program where prospective buyers enter their coverage request one time, and each participating company provides a quote based on that data. This prevents consumers from doing repetitive form submissions to each company.

To find out what other companies charge for 1998 Subaru Legacy insurance click here (opens in new window).

The only drawback to doing it this way is you can’t choose the insurers to receive prices from. If you prefer to choose individual companies to compare, we have a listing of low cost car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you use exactly the same information for every company. If you use different limits and deductibles on each one then you won’t be able to make a fair comparison for your Subaru Legacy. Quoting even small variations in insurance coverages can make a big difference in price. Just keep in mind that more quotes provides better odds of finding a lower rate.

More discounts equal less premium

Companies offering auto insurance don’t list all available discounts very well, so we researched both well-publicized as well as the least known insurance savings.

  • Early Switch Discount – Some companies give discounts for switching policies before your current policy expires. It’s a savings of about 10%.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on Legacy coverage with a few insurance companies.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Legacy coverage than drivers with accidents.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

To see a list of insurance companies with the best insurance discounts, click this link.

Subaru Legacy rates influenced by many factors

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

  • Theft deterrents lower rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Proper usage rating affects rates – The more miles you rack up on your Subaru in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on their usage. Autos left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your insurance policy is rated on how each vehicle is driven, because it can save money. Incorrect usage on your Legacy may be wasting your money.
  • Bad driving skills means higher rates – Good drivers receive lower rates than people who have multiple driving citations. Only having one citation can increase rates by as much as thirty percent. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Men fork out a little more – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Women and men cause accidents in similar percentages, but men tend to have more serious accidents. Men also get cited for more serious violations like reckless driving and DUI.

It’s not one size fits all

When choosing adequate coverage, there really is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Is a new car covered when I drive it off the dealer lot?
  • How does medical payments coverage work?
  • Why am I required to buy liability insurance?
  • Where can I get insurance after a DUI in my state?
  • When does my teenage driver need to be added to my policy?
  • Are rock chip repairs covered?
  • When should I not file a claim?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Specifics of your insurance policy

Having a good grasp of your insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses such as X-ray expenses, doctor visits, pain medications and hospital visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, damage from getting keyed, damage from a tornado or hurricane, vandalism and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects YOU against claims from other people, and does not provide coverage for 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. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as bail bonds, medical expenses, medical services, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1998 Subaru Legacy.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

This pays for damage to your Legacy resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, crashing into a ditch, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Be a Smart Shopper

In this article, we covered a lot of information how to lower your 1998 Subaru Legacy insurance rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the lowest rates come from an unexpected company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

Cheap insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

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