Lower Your 2012 Subaru Legacy Car Insurance Cost

Looking for the cheapest car insurance rates for your Subaru Legacy? Tired of scraping the payment together each month for car insurance? You are in the same boat as millions of other consumers. Multiple auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute best rates possible.

Smart consumers take time to check car insurance prices on a regular basis because prices go up and down regularly. If you had the best price for Legacy coverage two years ago you may be paying too much now. So just forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the easiest ways to properly buy coverages and cut your premium.

Factors determining your Subaru Legacy insurance premium

It’s important that you understand the different types of things that help determine the price you pay for car insurance. Knowing what influences your rates enables informed choices that can help you get better car insurance rates.

The following are some of the factors car insurance companies consider when setting your rates.

  • Don’t sacrifice liability coverage – The liability section of your policy provides coverage in the event that a court rules you are at fault for damages from an accident. It will provide you with a defense in court starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Your stress level may be raising your rates – Did you know your job can affect your rates? Careers like judges, architects and financial analysts are shown to have higher average rates attributed to stressful work requirements and lengthy work days. Conversely, professions such as pilots, engineers and homemakers pay the least for Legacy coverage.
  • You might want pay the small claims yourself – Companies provide better rates to insureds who do not file claims often. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • More people means more accidents – Living in less populated areas has it’s advantages when buying car insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Urban drivers tend to have congested traffic and longer commute times. Longer commute distances means more change of being in an accident.
  • Discounts for multiple policies – Some companies give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Higher deductibles cost less – Your deductibles represent how much money you are willing to pay out-of-pocket before your car insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a building, damage from fire, or theft. The higher the amount the insured has to pay upfront, the lower your rates will be for Legacy coverage.
  • Theft deterrents lower rates – Driving a car with a theft deterrent system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.

Don’t miss out on these money-saving discounts

Insurance can be prohibitively expensive, but there could be available discounts to help bring down the price. A few discounts will automatically apply when you complete an application, but a few must be specifically requested before they will apply. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for Legacy coverage depending on your company.
  • Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current policy expires. The savings is around 10%.
  • Drive Less and Save – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will help reduce the amount you have to pay.

Insurance companies who might offer some of the above discounts may include but are not limited to:

Double check with each insurance company which discounts they offer. All car insurance discounts might not apply in your state.

How can Allstate, Geico and Progressive save drivers who switch?

Consumers constantly see and hear ads for car insurance savings from companies such as Allstate, Geico and Progressive. They all make the same claim that you’ll save big if you move your policy.

But how can every company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the driver that makes them money. An example of a desirable insured could be over the age of 40, insures multiple vehicles, and has a short commute. A customer who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Consumers who fall outside these standards will be charged higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That is how insurance companies can state the savings.

That is why you absolutely need to get as many quotes as possible. Because you never know which insurance companies will provide you with the cheapest Subaru Legacy insurance rates.

Do I need special coverages?

When buying coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • Can I afford to pay high deductible claims out of pocket?
  • What is the difference between comprehensive and collision coverage?
  • Should I buy additional glass protection?
  • What are the best liability limits?
  • Where can I get insurance after a DUI in my state?
  • Why do I only qualify for high-risk insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I rate my 2012 Subaru Legacy as pleasure use or commute?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage breakdown

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills like surgery, X-ray expenses, dental work, ambulance fees and doctor visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverage – This can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others, and 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. As an example, you may have liability limits of 25/50/25 which stand for $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. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, loss of income, emergency aid, bail bonds and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – This coverage covers damage to your Legacy from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Subaru Legacy.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, damage from a tornado or hurricane, hail damage and hitting a bird. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Do the work, save more money

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced physical damage coverage and discovered at claim time that it was a big error on their part. The aim is to find the BEST coverage for the lowest price while still protecting your assets.

Cheap 2012 Subaru Legacy insurance can be bought on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Much more information about insurance can be found at these links: