2018 Subaru Legacy Car Insurance Quotes – 9 Tips to Save

Searching for better insurance prices for your Subaru Legacy can be an all-consuming task, but you can use our insurance buying tips to save time.

There is a better way to find insurance online so we’re going to tell you the quickest way to get price quotes for your Subaru and find the lowest possible price from local insurance agents and online providers.

It’s important to take a look at other company’s rates at least once a year because insurance prices are adjusted regularly by insurance companies. Even if you think you had the best price for Legacy insurance six months ago you will most likely find a better rate today. Forget all the misinformation about insurance because we’re going to show you the fastest way to find lower rates on insurance.

Lower rate quotes with these nine car insurance discounts

Properly insuring your vehicles can get expensive, but you may find discounts that many consumers don’t even know exist. Some of these disounts will be visible when you purchase, but some must be requested specifically in order for you to get them. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Paper-free Discount – A few companies may give you up to $50 simply for signing online.
  • Multi-car Discount – Purchasing coverage when you have several vehicles on a single policy can get a discount on all vehicles.
  • Organization Discounts – Being a member of certain professional organizations is a simple method to lower premiums on your policy.
  • Distant College Student Discount – Any of your kids who live away from home to go to college and don’t have a car can be insured at a reduced rate.
  • Telematics Data – Drivers who agree to allow their insurance company to spy on driving habits by installing a telematics device such as Progressive’s Snapshot could see a rate decrease as long as the data is positive.
  • ABS and Traction Control Discounts – Cars with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Bundle and Save – If you can bundle your homeowners and auto insurance and place coverage with the same company you will save nearly 15% which can help you find low cost insurance coverage.
  • Good Grades Discount – A discount for being a good student may save as much as 25% on a insurance coverage quote. You can use this discount normally until age 25.
  • Discount for Low Mileage – Low annual miles could earn slightly better rates than normal.

A quick disclaimer, most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So even though you would think you could get a free car insurance policy, it just doesn’t work that way.

A list of companies and the discounts they provide are outlined below.

  • Geico includes discounts for anti-lock brakes, multi-vehicle, anti-theft, military active duty, and daytime running lights.
  • Auto-Owners Insurance discounts include anti-theft, group or association, teen driver, student away at school, safe driver, multiple vehicles, and safe vehicle.
  • American Family may have discounts that include TimeAway discount, mySafetyValet, accident-free, early bird, bundled insurance, and air bags.
  • Esurance offers discounts for DriveSense, online quote, Pac-12 alumni, Switch & Save, and paid-in-full.
  • Progressive may offer discounts for multi-policy, online signing, homeowner, good student, continuous coverage, and multi-vehicle.
  • State Farm has discounts for multiple autos, accident-free, driver’s education, defensive driving training, and Drive Safe & Save.
  • AAA may include discounts for education and occupation, anti-theft, pay-in-full, AAA membership discount, good driver, multi-car, and good student.

If you want the cheapest insurance coverage quotes, ask each company which discounts can lower your rates. Some discounts listed above may not apply to policyholders in your area. If you would like to choose from a list of providers with the best discounts, click here.

Don’t believe everything you hear

Consumers can’t get away from ads for auto insurance savings from companies such as State Farm and Allstate. They all seem to tend to make the same promise that you’ll save big if you switch your auto insurance coverage to their company.

How is it plausible that every one can give you a lower rate? Here is how they do it.

Different companies quote their best rates for the right customer that earns them the highest profit. For instance, a driver they prefer may need to be a female over age 40, has few claims, and has great credit. Anyone who matches that profile gets the lowest premium rates and have a good chance to cut their rates if they switch.

Insureds who may not quite match the “perfect” profile may be required to pay a higher premium with the end result being the prospect going elsewhere. Company advertisements say “people that switch” but not “everyone who gets a quote” save money. This is how insurance companies can confidently advertise the savings.

This really drives home the point why drivers must compare as many free insurance coverage quotes as you can. Because without a comparison, you cannot know which auto insurance company will have the lowest rate quotes.

Car insurance can get complicated

When buying coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

  • Am I getting all the discounts available?
  • Why does it cost so much to insure a teen driver?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What happens if I owe more than my 2018 Subaru Legacy is worth?
  • Does car insurance cover theft of personal property?
  • Do I need motorclub coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How many claims can I have before being cancelled?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

What auto insurance coverages do you need?

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage will pay to fix damage to your Legacy resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, funeral costs, rehabilitation expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

This will cover damage or injury you incur to a person or their property in an accident. 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 means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as pain and suffering, medical services, bail bonds, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Subaru Legacy.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

In Summary

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible for the lowest cost while still protecting your assets.

Budget-friendly insurance is definitely available both online and from local insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some insurance providers may not offer the ability to get quotes online and most of the time these smaller companies prefer to sell through local independent agents.

You just read many ways to compare 2018 Subaru Legacy insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. You may even discover the best price on insurance is with some of the smallest insurance companies.

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