Cheaper 2004 Subaru Legacy Insurance Quotes

Trying to find cheaper insurance for a Subaru Legacy could be an all-consuming task, but you can follow our insurance buying tips to save time.

There is a right way and a wrong way to shop for insurance and you need to know the quickest way to quote coverages for your Subaru and obtain the lowest possible price.

Consumers need to compare prices before your policy renews since rates are constantly changing. If you had the lowest price for Legacy coverage two years ago there is a good chance you can find better rates now. You can find a lot of wrong information about insurance on the web, but I’m going to show you a bunch of ideas how to put money back in your pocket.

Pricing affordable car insurance coverage can be fairly easy. If you are insured now or are just looking to switch companies, you can use these tips to find the best rates and still get good coverage. Vehicle owners just need to know how to get comparison rates on the web.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply at the time of purchase, but less common discounts must be asked about before they will apply. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Homeowners Discount – Owning a home can help you save on insurance coverage because owning a home demonstrates responsibility.
  • Auto/Home Discount – When you have multiple policies with the same company you may save at least 10% off all policies.
  • One Accident Forgiven – A few companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Safe Drivers – Safe drivers can pay as much as 50% less for Legacy coverage than less cautious drivers.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • No Accidents – Good drivers with no accidents pay much less when compared with frequent claim filers.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Defensive Driver – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you won’t be that lucky. But any discount will cut the cost of coverage.

For a list of providers who offer insurance coverage discounts, click here to view.

Don’t assume everyone needs the same coverage

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Is my 2004 Subaru Legacy covered for flood damage?
  • How high should my uninsured/underinsured coverage be in my state?
  • What if I owe more than I can insure my car for?
  • Is my dog or cat covered if injured in an accident?
  • Does liability extend to a camper or trailer?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my 2004 Subaru Legacy qualify for pleasure use?
  • Can my teen drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Don’t be fooled by advertising claims

Consumers can’t get away from ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the companies say the same thing of big savings if you switch your coverage to them.

How do they all claim to save you money? It’s all in the numbers.

All companies can use profiling for the right customer that earns them a profit. An example of a profitable customer might be a mature driver, a clean driving record, and drives less than 10,000 miles a year. A driver who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t qualify for the “perfect” profile will have to pay higher premiums which leads to business not being written. The ads state “customers who switch” not “everyone that quotes” save that much. This is how insurance companies can advertise the savings.

Because of the profiling, you need to get as many quotes as possible. It is impossible to predict which insurance companies will have the lowest Subaru Legacy insurance rates.

Car insurance coverage basics

Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, a tree branch falling on your vehicle, fire damage, hail damage and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision coverage covers damage to your Legacy resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, rolling your car, scraping a guard rail, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for things like funeral costs, pain medications, hospital visits, chiropractic care and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Liability insurance

This provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, legal defense fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Be a penny pincher

We just covered many ideas to compare 2004 Subaru Legacy insurance prices online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may even discover the lowest priced insurance comes from the smaller companies.

When buying insurance coverage, do not reduce coverage to reduce premium. There are too many instances where someone sacrificed liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Cost effective insurance is available on the web and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Much more information about insurance can be found on the following sites: