Lower Your 2004 Subaru Legacy Car Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance policy. Multiple auto insurance companies compete for your business, and because of this it can be hard to compare car insurance companies to find the absolute lowest rate

If you have a policy now or are looking for a new policy, you can learn to get lower rates while maintaining coverages. Buying car insurance is quite easy. Consumers just need to learn the most effective way to shop for insurance coverage over the internet.

Quick Car Insurance Quotes

There are several ways you can shop for Subaru Legacy car insurance but there is one way that is less labor-intensive and much quicker. You could spend your day driving to local insurance agents in your area, or you can stay home and use online quotes to quickly compare rates.

Most of the best insurance companies participate in an industry program that enables customers to enter their policy data once, and each participating company provides a quote. This system prevents you from having to do form submissions for every car insurance company.

To compare pricing click here to open in new window.

One minor caviat to using this type of form is that consumers can’t choose which providers to receive prices from. If you wish to select specific providers to compare, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you use the exact same coverages on every quote. If the quotes have different limits and deductibles on each one it will be impossible to decipher which rate is best.

You are unique and your insurance coverage should be too

When buying coverage for your vehicles, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Does my insurance cover a custom paint job?
  • Do I need medical payments coverage since I have good health insurance?
  • If my 2004 Subaru Legacy is totaled, can I afford another vehicle?
  • Should I get collision insurance on every vehicle?
  • Should I have a commercial auto policy?
  • Is my cargo covered for damage or theft?
  • When should I not file a claim?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Auto insurance coverages 101

Having a good grasp of auto insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverage types offered by auto insurance companies.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, rock chips in glass, hitting a bird and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your Legacy resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability coverage

This will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, medical services, court costs, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as ambulance fees, EMT expenses, surgery and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.