Compare 1999 Subaru Legacy Insurance Rates

Sick and tired of scraping the payment together to buy car insurance? You are in the same boat as the majority of other car owners.

You have so many auto insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, it makes it harder to compare rates and cut insurance costs.

It’s a great practice to shop coverage around yearly because insurance rates are variable and change quite frequently. Even if you got the best price on Legacy insurance a year ago the chances are good that you can find a lower rate today. So just ignore everything you know about insurance coverage because you’re going to get a crash course in the right way to lower your annual insurance bill.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. But consumers must understand the way companies market on the web because it can help you find the best coverage.

Impacting insurance rates for a Subaru Legacy

Smart consumers have a good feel for some of the elements that help determine insurance rates. Having a good understanding of what determines base rates enables informed choices that may reward you with lower insurance prices.

The following are some of the factors insurance companies consider when setting rates.

  • Consolidate policies to earn discounts – Most insurers will award you with lower prices to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, you still need to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by buying insurance from a different company.
  • How credit affects insurance rates – Credit history is a large factor in determining your rates. If your credit is not that good, you could be paying less to insure your 1999 Subaru Legacy by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Subaru Legacy earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • No coverage gaps is important – Having an insurance coverage lapse will be a guaranteed way to bump up your insurance costs. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a steep fine or even jail time.You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
  • You might want pay the small claims yourself – If you frequently file small claims, you can definitely plan on higher rates. Insurance companies give cheaper rates to insureds who do not rely on their insurance for small claims. Insurance coverage is intended for major claims that would cause financial hardship.
  • What are your deductibles? – Deductibles for physical damage define the amount you are willing to pay before your insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and rolling your vehicle. The more the insured has to pay upfront, the lower your rates will be on Legacy insurance.
  • Battle of the sexes – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men cause accidents at a similar rate, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.
  • Pleasure use or commuting – The more miles you rack up on your Subaru in a year the higher your rates will be. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use qualify for better rates than those used for commuting. An improperly rated Legacy can result in significantly higher rates. Double check that your insurance policy properly reflects how each vehicle is driven.

Free Insurance Quotes

There are several ways to get quotes from different insurance companies. The fastest way to find the lowest 1999 Subaru Legacy rates consists of shopping online. This can be done in a couple of different ways.

One of the simplest ways to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form prevents you from having to do repetitive form entry for every insurance company. One form submission gets you coverage quotes instantly.

A harder way to compare prices requires visiting the website for each individual company to request a price quote. For examples sake, we’ll pretend you want to compare rates from Progressive, Geico and Liberty Mutual. To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

The most time-consuming way of comparing rate quotes is to waste gas driving to and from local insurance agencies. The internet eliminates the need for an insurance agent unless you require the professional advice that only a license agent can provide. Drivers can price shop your coverage online and still use a local agent.

It’s up to you which method you use, but ensure you are comparing exactly the same quote information for each price quote. If you enter different limits and deductibles on each one then you won’t be able to decipher which rate is best. Having just a slight variation in limits may result in a large different in cost. And when quoting insurance, remember that comparing more company’s prices provides better odds of finding a lower rate.

Is there truth in advertising?

Car insurance companies such as 21st Century, Allstate and State Farm regularly use ads in print and on television. They all seem to have a common claim that you’ll save big if you move to them. How do they all say the same thing? This is how they do it.

All the different companies have a preferred profile for the type of customer that makes them money. An example of a driver they prefer might be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t qualify for the requirements will have to pay more money which usually ends up with business not being written. Company advertisements say “customers who switch” not “people who quote” save that much. That’s why insurance companies can confidently claim big savings. Because of the profiling, it’s extremely important to compare many company’s rates. You cannot predict which insurance companies will have the lowest Subaru Legacy insurance rates.

Companies offer discounts so take them!

Companies that sell car insurance don’t always advertise every discount very well, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance.

  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Defensive Driving Course – Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Claim Free – Drivers who don’t have accidents pay much less as compared to accident-prone drivers.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance from them.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.

For a list of insurers with discount car insurance rates, click this link.

Do I just need basic coverages?

When buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help you determine if your situation will benefit from professional help.

  • Am I covered if I crash into my own garage door?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I put collision coverage on all my vehicles?
  • What should my uninsured motorist coverage limits be in my state?
  • What is the rate difference between pleasure use and commuting?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I buy additional glass protection?
  • Why am I required to buy high-risk coverage?
  • Are my friends covered when driving my 1999 Subaru Legacy?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Having a good grasp of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for hospital visits, chiropractic care, ambulance fees, dental work and EMT expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Subaru Legacy.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability car insurance

This will cover damage that occurs to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, legal defense fees, repair bills for other people’s vehicles, attorney fees and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your Legacy caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, hitting a parking meter, backing into a parked car, driving through your garage door and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The maximum payout a insurance company will pay at claim time 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.

A fool and his money are soon parted

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped full coverage only to discover later that they should have had better coverage. The ultimate goal is to buy enough coverage at a price you can afford while still protecting your assets.

Budget-conscious 1999 Subaru Legacy insurance is attainable on the web as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and these small insurance companies work with independent agents.

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