2002 Subaru Legacy Car Insurance Quotes – 10 Tips to Save

Finding better rates for car insurance can be nearly impossible for consumers not familiar with comparison shopping online. Consumers have so many companies to choose from that it can easily become a lot of work to locate the lowest price.

You need to shop coverage around at least once a year since rates are constantly changing. Just because you had the lowest rates for Legacy insurance two years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because we’re going to demonstrate how to use the internet to find the best coverage while lowering your premiums.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. But car owners must learn how big insurance companies sell insurance online and apply this information to your search.

Discounts are basically free money

Companies offering auto insurance don’t always advertise all their discounts very well, so we break down both the well known as well as the least known discounts you could be receiving.

  • Memberships – Participating in a civic or occupational organization could trigger savings when buying auto insurance for Legacy insurance.
  • Homeowners Savings – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
  • College Student – Youth drivers who live away from home and don’t have a car may qualify for this discount.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates for Legacy insurance.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurance companies with the best auto insurance discounts, click here.

How to Compare Car Insurance

There are a variety of methods you can shop for 2002 Subaru Legacy car insurance and some are less time-consuming than others. You can spend countless hours driving to insurance companies in your area, or you can stay home and use the web to get the quickest rates.

Many companies take part in a program that enables customers to complete one form, and at least one company then gives them pricing based on the submitted data. This prevents consumers from doing form submissions to each company. To participate in this free quote system, click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose the companies to get pricing from. So if you prefer to choose individual companies to compare rates, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

Whichever method you choose, ensure you’re using the exact same coverages for each price quote. If your comparisons have different limits and deductibles on each one it will be very difficult to decipher which rate is best. Having just a slight variation in limits can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting a better price.

Which insurance is the “right” coverage?

When buying coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might help in determining if your situation might need an agent’s assistance.

  • Am I covered if I wreck a rental car?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when pulling a rental trailer?
  • When should I buy a commercial auto policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is extra glass coverage worth it?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Save $393 a year. For real?

Auto insurance companies such as Allstate, Geico and Progressive regularly use ads on television and other media. They all seem to say the same thing of big savings if you move your policy. How does each company make the same claim? This is how they do it.

All companies have a certain “appetite” for the type of customer that earns them a profit. An example of a preferred risk might be over the age of 40, has no prior claims, and has excellent credit. A customer that hits that “sweet spot” gets the lowest rates and as a result will probably save when switching.

Potential insureds who don’t measure up to the requirements will have to pay higher rates and ends up with business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. That’s why companies can advertise the savings. Because of the profiling, you absolutely need to quote coverage with many companies. You cannot predict which auto insurance company will provide you with the cheapest Subaru Legacy insurance rates.

Auto insurance policy coverages for a 2002 Subaru Legacy

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, crashing into a ditch, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive auto insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, hitting a bird and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

This can cover damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others, and 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. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, pain and suffering, funeral expenses, emergency aid and medical expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as chiropractic care, ambulance fees, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2002 Subaru Legacy.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

The best insurance company isn’t always the cheapest

We’ve covered some good ideas how you can lower your 2002 Subaru Legacy insurance rates. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the best price on insurance is with a small local company.

Cheap insurance is possible online and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Insureds leave their current company for a number of reasons such as high prices, extreme rates for teen drivers, not issuing a premium refund and even questionable increases in premium. Whatever your reason, switching companies is not as difficult as it may seem.

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