Compare 1997 Subaru Legacy Insurance Rates

Have you had enough of paying out the nose to pay your car insurance bill each month? Your situation is no different than millions of other consumers. Big companies like State Farm, Allstate, Geico and Progressive all claim big savings with advertising and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

Discounts on Subaru Legacy insurance

Car insurance companies don’t necessarily list all their discounts very well, so we researched some of the more common and the harder-to-find discounts you could be receiving. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Early Signing – Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
  • Low Mileage – Keeping the miles down on your Subaru could be rewarded with discounted rates on garaged vehicles.
  • Sign Online – A few companies give back up to $50 for buying your policy online.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Legacy coverage than less cautious drivers.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts up to 30%.

Keep in mind that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of insurance companies who offer auto insurance discounts, click here.

Factors that can influence insurance rates for a Subaru Legacy

It’s important that you understand some of the elements that help determine insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to big savings.

  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as lawyers, executives and accountants tend to pay higher rates than average in part from high stress levels and lengthy work days. On the flip side, occupations such as pilots, athletes and performers have the lowest average rates for Legacy coverage.
  • Better credit scores mean better rates – Having a bad credit rating is a huge factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit ratings. Therefore, if your credit history can use some improvement, you could be paying less to insure your 1997 Subaru Legacy by improving your rating.
  • More miles equals more premium – Driving more miles in a year’s time the higher your rate. Most insurance companies apply a rate based on their usage. Cars and trucks left parked in the garage qualify for better rates compared to those used for work or business. Make sure your insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Legacy may be costing you.
  • Choose a safe vehicle and save – Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and lower rates for you. If the Subaru Legacy has ratings of a minimum four stars on it may be receiving lower rates.
  • Add-on coverages can add up – There are quite a few extra coverages that you can get tricked into buying on your 1997 Legacy policy. Insurance for roadside assistance, accidental death and motor club memberships may be costing you every month. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • Younger drivers pay higher rates – Young drivers tend to be careless and easily distracted in a vehicle so insurance rates are higher. Mature drivers are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel.
  • Do men or women drive better? – Statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving.
  • Don’t skimp on liability – Liability insurance will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense coverage starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • What is UM/UIM insurance?
  • If my pet gets injured in an accident are they covered?
  • What is the rate difference between pleasure use and commuting?
  • Can I afford to buy a different vehicle if my 1997 Subaru Legacy is totaled?
  • Does my 1997 Subaru Legacy need full coverage?
  • How can I get my company to pay me more for my totalled car?
  • Where can I get insurance after a DUI in my state?
  • What exactly is covered by my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Buyer beware of auto insurance advertising tricks

Consumers constantly see and hear ads for cheaper car insurance by State Farm, Allstate and Geico. They all have a common claim that you’ll save big if you switch to their company.

But how can every company claim to save you money?

Different companies can use profiling for the right customer they prefer to insure. For example, a profitable customer might be profiled as between the ages of 40 and 55, has no prior claims, and chooses high deductibles. A customer that hits that “sweet spot” gets the lowest rates and most likely will save quite a bit of money when switching.

Potential customers who don’t measure up to these standards will be quoted more money which usually ends up with business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save money. This is how companies can truthfully claim big savings. This emphasizes why you absolutely need to get as many comparisons as possible. You cannot predict which company will give you the biggest savings on Subaru Legacy insurance.

Insurance coverages explained

Learning about specific coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Liability car insurance – Liability insurance can cover damage or injury you incur to people or other property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see 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 property damage coverage for $25,000.

Liability insurance covers claims like medical services, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for funeral costs, prosthetic devices, doctor visits, dental work and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

A penny earned…

Cost effective 1997 Subaru Legacy insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer online price quotes and these smaller companies work with independent agents.

We covered many tips how you can compare insurance prices online. The key concept to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the lowest rates come from a lesser-known regional company. Smaller companies often have lower prices on specific markets compared to the large companies like Allstate, Geico and Progressive.

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