Lower Your 2000 Subaru Legacy Insurance Quotes

Looking for the cheapest auto insurance rates? Shoppers have a choice when shopping for the best price on Subaru Legacy insurance. They can either spend hours calling around getting price quotes or use the internet to compare rates.

There are more efficient ways to compare auto insurance rates and we’ll show you the proper way to price shop coverage on a Subaru and find the lowest price from both online companies and local agents.

How to save on Subaru Legacy insurance

Insurance can be prohibitively expensive, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but a few need to be manually applied before they will apply. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Organization Discounts – Being a member of certain professional organizations could trigger savings on auto insurance on Legacy insurance.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Own a Home – Owning a home may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce your premiums.

To see a list of providers offering auto insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that could help you determine if you will benefit from professional help.

  • What can I do if my company denied a claim?
  • Do I need roadside assistance coverage?
  • Is my babysitter covered when using my vehicle?
  • Who is covered when they drive my 2000 Subaru Legacy?
  • Should I have a commercial auto policy?
  • When should I not file a claim?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Insurance coverages 101

Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision – Collision insurance pays for damage to your Legacy resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses like X-ray expenses, funeral costs and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, fire damage and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – This provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like legal defense fees, medical services, medical expenses and bail bonds. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Subaru Legacy.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

The best insurance company isn’t always the cheapest

People change insurance companies for any number of reasons including poor customer service, being labeled a high risk driver, delays in responding to claim requests or high rates after DUI convictions. No matter why you want to switch, finding a new auto insurance company can be pretty painless.

The cheapest 2000 Subaru Legacy insurance can be purchased on the web and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, do not reduce needed coverages to save money. In too many instances, an insured dropped liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at an affordable rate.

More detailed auto insurance information is located in the articles below: