How Much Does 2015 Subaru Legacy Car Insurance Cost?

Searching for the cheapest insurance coverage rates for your Subaru Legacy? Are you tired of trying to scrape together enough money to buy car insurance? You are no different than millions of other consumers.

Consumers have many insurance companies to buy insurance from, and although it’s a good thing to have a choice, lots of choices makes it harder to find the best rates.

The fastest way that we advise to get rate comparisons is to know most of the bigger providers allow for online access to provide you with free rate quotes. To begin a comparison, all you need to do is provide information including if it has an anti-theft system, how much education you have, whether or not you need a SR-22, and whether your vehicle is owned or leased. That information is submitted instantly to insurance companies and you will get price comparisons with very little delay.

Buyer beware of insurance coverage advertising tricks

Insurance coverage providers like 21st Century, Allstate and State Farm regularly use ads in print and on television. They all make an identical promise that you can save if you move to them. How does each company say the same thing?

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a profitable customer might be between 25 and 40, insures multiple vehicles, and has great credit. A propective insured who fits that profile receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who do not match the “perfect” profile will be charged a more expensive rate which leads to business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully advertise the way they do.

That is why drivers must get quotes from several different companies. It’s just too difficult to predict the company that will provide you with the cheapest Subaru Legacy insurance rates.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, but there are discounts available that many people don’t even know exist. Some discounts apply automatically at quote time, but less common discounts must be asked about before you get the savings.

  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Paperless Signup – Some insurance companies may give you up to $50 simply for signing over the internet.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Resident Student – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Low Mileage Discounts – Driving fewer miles can earn lower rates on the low mileage vehicles.

Drivers should understand that most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way. But any discount will cut your premiums.

A partial list of companies that may have these money-saving discounts include:

Check with each company what discounts are available to you. Some discounts might not be offered everywhere.

Your coverage should be tailored to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs may require specific advice.

  • Should I buy additional glass protection?
  • Does medical payments coverage apply to all occupants?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my personal policy cover me when driving out-of-state?
  • I don’t drive much so do I pay less?
  • How high should my medical payments coverage be?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Specific coverages for a Subaru Legacy

Having a good grasp of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are set the same as your liablity limits.

Liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as medical services, pain and suffering, structural damage and bail bonds. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, rock chips in glass, fire damage, damage from a tornado or hurricane and damage from flooding. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, prosthetic devices, doctor visits and pain medications. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays for damage to your Legacy from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, hitting a mailbox, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Summing up your insurance coverage search

Cost effective 2015 Subaru Legacy insurance is possible from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, you should never buy less coverage just to save a little money. There are a lot of situations where an insured dropped physical damage coverage only to regret that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

In this article, we presented a lot of techniques to reduce insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance coverage is with some of the lesser-known companies. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

More detailed insurance coverage information is located in the articles below: