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Subaru Legacy Insurance Cost

There are many options when finding cheaper insurance coverage on your Subaru vehicle. You can buy direct from a local agent or price shop online to compare pricing from car insurance companies. Comparing auto insurance from online rate quotes is simple to do and there is a good chance you might just save a little.

Using the web to shop for auto insurance direct can be a challenge if you have never used online quoting. But don't let that discourage you because comparing prices is actually very simple. Finding cheaper coverage prices doesn't have to be difficult. All you need to do is take the time to get quotes online with multiple companies. This can be done by visiting this page.

Auto insurance rates for a Subaru Legacy can fluctuate considerably subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Use of your vehicle
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Having current coverage saves
  • Whether you own your home

A final factor that can impact Legacy insurance cost is the model year. A newer vehicle have a higher value in comparison to later models so the payout to repair may result in higher rates. On the flip side, new Subaru models may have a trim level with safety features like active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors which may provide discounts that lower premiums.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Legacy below.

Liability insurance

Legacy liability coverage provides protection from damage that occurs to other people or property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. Legacy collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper Legacy insurance cost.

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your Subaru Legacy comprehensive insurance. The most you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.

How Much are Subaru Legacy Insurance Rates?