Save on 2009 Subaru Legacy Insurance Cost

Looking for lower auto insurance rates for your Subaru Legacy? Feel like you’re a prisoner to high-priced auto insurance? Trust us, there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Drivers have so many car insurance companies to choose from, and even though it’s nice to have a selection, too many choices makes it more difficult to adequately compare rates.

Save money by taking advantage of these discounts

Companies don’t always list every discount very well, so we took the time to find both the well known and the more hidden savings tricks you should be using.

  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Paperless Signup – Certain companies will give a small break just for signing your application over the internet.
  • Driver’s Ed – Have your child complete a driver education course in school.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

For a list of insurers offering auto insurance discounts, click this link.

Compare Quotes for Auto Insurance

There are several ways to compare Subaru Legacy auto insurance prices and some are easier and takes less work. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use the web to maximize your effort.

Many of the larger companies participate in a marketplace where insurance shoppers send in one quote, and each company can provide price quotes determined by their information. This system prevents you from having to do quote requests for every auto insurance company.

To submit your quote information now, click here to start a free quote.

The only downside to doing it this way is you don’t know exactly which carriers you will receive quotes from. So if you want to choose individual companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, make absolute certain that you use apples-to-apples coverage limits with each company. If you enter differing limits you can’t possibly determine the best price for your Subaru Legacy. Slightly different insurance coverages may result in large price differences. And when price shopping your coverage, comparing a large number of companies will increase your chances of finding the best rates.

Why you might be paying too much to insure your Subaru Legacy

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

Shown below are some of the items companies use to determine prices.

  • Optional equipment can affect rates – Driving a car with a theft deterrent system can help bring down rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • A lapse in coverage is a bad thing – Not having insurance is a misdemeanor and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, but not being able to provide proof of insurance might get you a revoked license or a big fine.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Do you know you’re credit rating? – Credit rating is a big factor in determining what you pay for auto insurance. People with excellent credit tend to be more responsible as compared to drivers with lower credit ratings. If your credit can use some improvement, you could potentially save money when insuring your 2009 Subaru Legacy by spending a little time repairing your credit.
  • Pay less after the wedding – Getting married can get you a discount when buying auto insurance. Marriage translates into being more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Drive less and save money – The higher the mileage driven each year the higher your rate. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance declarations sheet is rated on the correct usage for each vehicle. If your policy improperly rates your Legacy can cost quite a bit.

When should I use an insurance agent?

When choosing the best car insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • Are my friends covered when driving my car?
  • What can I do if my company denied a claim?
  • Do I really need UM/UIM coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I have coverage when using my vehicle for my home business?
  • Does my liability insurance cover pulling a trailer or camper?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Parts of your insurance policy

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like X-ray expenses, EMT expenses, surgery, doctor visits and funeral costs. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2009 Subaru Legacy.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, rolling your car, scraping a guard rail, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for liability

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for 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. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as funeral expenses, legal defense fees, attorney fees, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, fire damage and rock chips in glass. The maximum 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.

Never pay more for less

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret that it was a big mistake. Your strategy should be to get the best coverage possible at a price you can afford.

The cheapest 2009 Subaru Legacy insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

We just showed you some good ideas how to save on insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance coverage comes from the smaller companies. They often have lower prices on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

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