2008 Subaru Legacy Car Insurance Quotes

Sick and tired of scraping the payment together to buy car insurance? Your situation is no different than the majority of other car owners.

Having so many different company options, it can be hard to pick the most cost effective company.

Buying cheaper protection is easy if you know what you’re doing. Just about anyone who buys insurance will more than likely be able to find better rates. But drivers do need to understand the way insurance companies compete online and take advantage of how the system works.

Take discounts and save

Car insurance can cost a lot, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply when you purchase, but less common discounts must be specially asked for before you get the savings.

  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Legacy coverage than drivers with accidents.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Memberships – Belonging to a professional or civic organization is a good way to get lower rates when buying car insurance for Legacy coverage.
  • Driver Safety – Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Accident Forgiveness – A few companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.

For a list of companies who offer car insurance discounts, follow this link.

Automobile Insurance Quotes

Comparing car insurance rates can be a lot of work if you aren’t aware of the most efficient way to do it. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to get prices fast.

Most car insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company provides a quote based on the submitted data. This prevents consumers from doing repetitive form submissions to every company. To use this form to compare 2008 Subaru Legacy insurance rates click to open in new window.

The single downside to comparing rates this way is you are unable to specify the providers you will receive quotes from. If you would rather choose from a list of companies to request quotes from, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make sure you use the exact same coverages and limits on every quote you get. If you compare different values for each quote it will be next to impossible to truly determine the lowest rate. Slightly different insurance coverages can mean a large discrepancy in price. It’s important to know that comparing a large number of companies helps you find lower pricing.

Subaru Legacy rates are complex

Smart consumers have a good feel for the factors that go into determining your insurance rates. Understanding what controls the rates you pay helps enable you to make changes that could result in lower insurance prices.

  • Policy add-ons can waste money – There are many extra bells and whistles that you can buy on your Legacy policy. Coverages like roadside assistance, towing coverage and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
  • Bundling policies can get discounts – Most insurance companies provide better rates to people who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to make sure you are getting the best deal.
  • Proper usage rating affects rates – The more you drive every year the higher your rates will be. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Legacy can result in significantly higher rates. Ask your agent if your insurance policy shows the correct driver usage.
  • Rates may be higher depending on your occupation – Occupations such as real estate brokers, business owners and financial analysts have higher average rates in part from stressful work requirements and lengthy work days. Conversely, jobs such as actors, engineers and retirees get better rates for Legacy coverage.
  • A lapse in coverage is a bad thing – Driving without insurance can get your license suspended and insurance companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, getting caught without coverage will get you a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can aid in determining whether or not you could use an agent’s help.

  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have coverage when using my vehicle for my home business?
  • How much liability coverage do I need in my state?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Coverages available on your policy

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Subaru Legacy.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses like prosthetic devices, ambulance fees, rehabilitation expenses, pain medications and X-ray expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

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

Comprehensive coverage pays for claims such as falling objects, rock chips in glass, a broken windshield, hitting a bird and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

This can cover damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like loss of income, emergency aid, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, damaging your car on a curb, hitting a mailbox and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Feed the piggy bank

In this article, we covered many ideas to shop for 2008 Subaru Legacy insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with the smaller companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

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