2003 Subaru Legacy Insurance Quotes

Trying to find better auto insurance rates for your Subaru Legacy? Searching for the cheapest auto insurance on the internet can be intimidating for beginners to buying insurance online. With dozens of choices, how can drivers even start to compare the different rates to find the best available price?

Smart consumers take time to shop coverage around every six months because rates are rarely the same from one policy term to another. Just because you had the best deal for Legacy coverage on your last policy you will most likely find a better rate today. So just forget all the misinformation about auto insurance because we’re going to show you how to quote online to find lower rates on auto insurance.

The quickest method we recommend to compare insurance rates in your area is to realize most insurance companies participate in a system to give rate comparisons. All you need to do is provide a little information including how much education you have, if a SR-22 is required, if the car is leased, and your credit rating estimate. Your rating data gets transmitted to multiple different insurance companies and they return cost estimate instantly to find the best rate.

To start a quote now, click here and enter your zip code.

How to reduce 2003 Subaru Legacy insurance rates

Auto insurance companies don’t always list every available discount in a way that’s easy to find, so here is a list some of the best known and the more hidden auto insurance savings.

  • Safety Course Discount – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Legacy coverage.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Accident Forgiveness – A handful of insurance companies allow you one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • No Accidents – Claim-free drivers can save substantially as compared to bad drivers.
  • Multi-car Discount – Having more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Organization Discounts – Belonging to certain professional organizations could trigger savings on your policy for Legacy coverage.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.

It’s important to note that most discounts do not apply the the whole policy. Most cut specific coverage prices like comp or med pay. Just because it seems like you could get a free auto insurance policy, you won’t be that lucky.

For a list of providers offering auto insurance discounts, click this link.

Parts of the Subaru Legacy rate equation

Consumers need to have an understanding of some of the elements that help determine the rates you pay for insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with big savings.

The following are some of the factors that factor into rates.

  • Never go without insurance – Letting your insurance expire will be a sure-fire way to bump up your insurance costs. Not only will rates go up, but not being able to provide proof of insurance can result in a license revocation or jail time.
  • Lower rates come with age – Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers. Youthful drivers are known to be less responsible when behind the wheel and because of this, their insurance rates are much higher.
  • Low deductibles can be expensive – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Subaru. Some examples of claims that would be covered are colliding with a building, damage caused by hail, or theft. Your deductibles are how much you are willing to pay in the event of a claim. The higher the amount the insured has to pay upfront, the lower your rates will be for Legacy coverage.
  • Better credit scores mean better rates – Having a bad credit rating is a big factor in determining what you pay for insurance. People with good credit tend to be more responsible than drivers who have lower ratings. So if your credit can use some improvement, you could be paying less to insure your 2003 Subaru Legacy by improving your rating.
  • Policy add-ons can waste money – There are a ton of add-on coverages you can purchase on your Legacy policy. Coverages for rental car reimbursement, better glass coverage and motor club memberships are some examples. They may seem good at first, but if you don’t need them eliminate them to save money.
  • Pleasure use saves money – The higher the mileage driven in a year’s time the higher your rates will be. Almost all 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. If your policy improperly rates your Legacy may be wasting your money. Make sure your insurance declarations sheet shows the correct usage for each vehicle.
  • Traffic violations increase rates – Just one ticket can increase rates by as much as thirty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Do you work long hours in a high stress job? – Occupations such as real estate brokers, social workers and dentists tend to have the highest average rates attributed to high stress and lots of time spent at work. Other jobs such as actors, historians and retirees receive lower rates for Legacy coverage.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions could help you determine if your insurance needs could use an agent’s help.

  • When should I not file a claim?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I afford low physical damage deductibles?
  • How can I get high-risk coverage after a DUI?
  • Does my personal policy cover me when driving out-of-state?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Coverage specifics

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision – Collision insurance pays for damage to your Legacy caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Auto liability insurance – Liability insurance can cover damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like medical services, court costs, attorney fees and legal defense fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Subaru Legacy.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments – Med pay and PIP coverage reimburse you for bills for things like pain medications, chiropractic care, surgery, rehabilitation expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, hitting a bird and a broken windshield. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

You can do this!

Throughout this article, we presented some good ideas how to get a better price on 2003 Subaru Legacy insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the most savings is with the smaller companies.

Cost effective insurance is definitely available both online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

Drivers who switch companies do it for many reasons like high prices, questionable increases in premium, high rates after DUI convictions or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

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