Cheap 2005 Subaru Legacy Insurance Cost

Want the cheapest insurance rates for your Subaru Legacy? Saving money on insurance can be hard for consumers new to comparing rates online. Drivers have so many options available that it can be a real hassle to find the best price.

Compare the Market for Insurance

All major insurance companies such as State Farm, Allstate and GEICO give coverage price quotes on their websites. This process is pretty painless as you simply enter your required coverages into the quote form. When complete, the company’s rating system gets your credit score and driving record and provides a quote based on these factors.

Quoting online streamlines rate comparisons, but the work required to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible in order to get better insurance pricing.

There is a better way to compare rates

A more efficient way to get multiple rate quotes makes use of a single form that gets price quotes from several different companies. The form is fast, reduces the work, and makes online shopping much simpler. Immediately after submitting the form, it gets priced with multiple companies and you can pick any of the returned quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process just takes a couple of minutes and you will find out if you’re overpaying now.

If you want to compare rates using this form now, simply click here to open in new window and enter your information. To compare your current rates, we recommend you duplicate your coverages as shown on your current policy. This way, you are getting a fair comparison for exact coverage.

These discounts can slash car insurance rates

Car insurance companies do not advertise every discount in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Memberships – Belonging to certain professional organizations could qualify you for a break on car insurance on Legacy coverage.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
  • No Claims – Good drivers with no accidents pay less compared to bad drivers.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Military Rewards – Having a deployed family member can result in better rates.
  • No Charge for an Accident – A few companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.

Consumers should know that most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

Insurance companies that may have these benefits include:

Before buying, ask each company which discounts they offer. Some discounts might not apply everywhere.

Subaru Legacy rates influenced by many factors

An important part of buying insurance is that you know the factors that come into play when calculating car insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Sex matters – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women cause accidents at about the same rate, but the male of the species cause more damage. Men also tend to get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Proper usage rating affects rates – Driving more miles every year the higher your rate. The majority of insurers price each vehicle’s coverage based on their usage. Cars left parked in the garage qualify for better rates compared to those used for work or business. Make sure your car insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Legacy can cost quite a bit.
  • Little extras can really add up – There are quite a few extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, accidental death and additional equipment coverage may be wasting your money. They may seem good when you first buy your policy, but now you might not need them so eliminate them to save money.
  • Safer cars cost less to insure – Vehicles with good safety scores get lower rates. Safe vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Subaru Legacy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Poor driving leads to higher costs – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Only having one citation may increase your cost twenty percent or more. Drivers who have severe citations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Claim-free discounts can add up – Auto insurance companies provide discounts to drivers who do not file claims often. If you are a frequent claim filer, you can look forward to higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Your stress level may be raising your rates – Did you know your car insurance rates can be affected by your occupation? Jobs such as lawyers, architects and financial analysts are shown to have higher average rates because of high stress and lots of time spent at work. Conversely, occupations such as scientists, engineers and homemakers pay the least on Legacy coverage.

When might I need the advice of an agent?

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my insurance cover a custom paint job?
  • If my 2005 Subaru Legacy is totaled, can I afford another vehicle?
  • How do I insure my teen driver?
  • How much underlying liability do I need for an umbrella 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 a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverages and their meanings

Knowing the specifics of insurance can help you determine the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision protection

This coverage will pay to fix damage to your Legacy resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, backing into a parked car, sustaining damage from a pot hole, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses for things like dental work, ambulance fees, chiropractic care, EMT expenses and prosthetic devices. The coverages can be used to fill the gap from 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 any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Subaru Legacy.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, a broken windshield and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, medical services and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

You can do this!

People switch companies for a variety of reasons including high prices, poor customer service, not issuing a premium refund and even extreme rates for teen drivers. No matter why you want to switch, choosing a new company can be less work than you think.

When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped full coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Throughout this article, we presented a lot of information how to save on 2005 Subaru Legacy insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from an unexpected company.

Other information