Cheap 2007 Subaru Legacy Car Insurance Rates

Trying to find better auto insurance rates for your Subaru Legacy? Expensive auto insurance can drain your savings account and force you to make sacrifices. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away. There is such a variety of insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more difficult to get the best deal.

It’s a good habit to shop coverage around periodically due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the best price for Legacy insurance on your last policy you can probably find a lower rate today. There is too much inaccurate information about auto insurance online but by reading this article, you’re going to learn some great ideas on how to find cheap auto insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Vehicle owners just need to know how to shop for insurance coverage over the internet.

Lesser-known factors impacting Subaru Legacy insurance rates

Consumers need to have an understanding of the different types of things that help determine car insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in lower car insurance prices.

  • Don’t let your coverage lapse – Not having insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Better credit scores mean better rates – Credit rating is a important factor in determining what you pay for car insurance. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit. Therefore, if your credit history can use some improvement, you could be paying less to insure your 2007 Subaru Legacy by spending a little time repairing your credit.
  • Do you have a high stress job? – Did you know your car insurance rates can be affected by your occupation? Occupations like doctors, social workers and financial analysts are shown to have higher average rates in part from stressful work requirements and long work hours. Conversely, occupations like farmers, engineers and homemakers pay the least for Legacy insurance.
  • Your spouse saves you money – Getting married can actually save you money on car insurance. It translates into being more mature and responsible and it’s proven that being married results in fewer claims.

Discounts are available to cut your rates

Companies offering auto insurance don’t always publicize every available discount very clearly, so we break down both the well known and also the lesser-known discounts you could be receiving. If you’re not getting every credit available, you’re paying more than you need to.

  • 55 and Retired – If you’re over the age of 55, you may be able to get a small decrease in premiums for Legacy insurance.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Legacy insurance with certain companies.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiration. The savings is around 10%.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.

It’s important to note that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way.

Companies who might offer these money-saving discounts include:

It’s a good idea to ask each company which discounts they offer. Some discounts might not be offered in your area.

The fine print in auto insurance ads

Consumers get pounded daily by advertisements for cheaper car insurance by State Farm and Allstate. All the companies say the same thing of big savings if you change to their company.

How can each company claim to save you money?

Insurance companies are able to cherry pick for the type of driver that is profitable for them. An example of a preferred risk could possibly be between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A customer who fits that profile receives the best rates and as a result will probably save quite a bit of money when switching.

Drivers who are not a match for the “perfect” profile must pay a more expensive rate and ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save that much money. That’s the way companies can state the savings. This illustrates why drivers should get as many comparisons as possible. It’s just too difficult to predict which auto insurance company will give you the biggest savings on Subaru Legacy insurance.

Everyone needs different coverages

When it comes to buying the best car insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • What if I total my 2007 Subaru Legacy and owe more than it’s worth?
  • What discounts do I qualify for?
  • What is the ISO rating for a 2007 Subaru Legacy?
  • Does my car insurance cover rental cars?
  • Will my rates increase for filing one claim?
  • Why does it cost so much to insure a teen driver?
  • Should I drop comprehensive coverage on older vehicles?
  • Does car insurance cover theft of personal property?
  • Who is covered by my policy?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Knowing the specifics of car insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from car insurance companies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like EMT expenses, surgery and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Liability – Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as structural damage, repair costs for stationary objects, funeral expenses and pain and suffering. How much coverage you buy is your choice, but consider buying as large an amount as possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverages – Collision coverage pays for damage to your Legacy caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, hitting a mailbox, hitting a parking meter 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 raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This coverage covers 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 can pay for things like hitting a bird, a tree branch falling on your vehicle, fire damage, hail damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Keep this in mind

When buying insurance coverage, you should never reduce coverage to reduce premium. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the best price, not the least amount of coverage.

Throughout this article, we presented many tips how you can shop for 2007 Subaru Legacy insurance online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest priced car insurance comes from a smaller regional carrier. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

More detailed car insurance information is available in these articles: