Cheaper 2009 Subaru Legacy Car Insurance Cost

Searching for the cheapest insurance coverage rates for your Subaru Legacy? Are you sick and tired of not being able to afford to buy car insurance? You are no different than millions of other consumers. Big companies like Allstate, Liberty Mutual and State Farm constantly blast consumers with fancy advertisements and it can be hard to sift through the bull and do the work needed to find the best deal.

If you have a policy now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maximizing coverage. Finding affordable coverage is not rocket science. Drivers just need to know the best way to shop online.

Get lower rates on Subaru Legacy insurance

Companies offering auto insurance do not list every available discount in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find ways to save on auto insurance. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for Legacy coverage than drivers with accident claims.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • No Accidents – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Paperless Signup – A handful of insurance companies will give a small break just for signing your application on their website.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Student in College – Children who are attending college and don’t have a car can be insured at a reduced rate.

Consumers should know that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of insurers offering auto insurance discounts, follow this link.

Comparison of Auto Insurance

There are a variety of methods you can shop for 2009 Subaru Legacy auto insurance and some are less time-consuming than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use the web to maximize your effort.

Many of the larger companies participate in a marketplace where prospective buyers submit their information once, and every company then returns a price quote determined by their information. This saves time by eliminating quotation requests for each company you want a rate for. To get comparison pricing now click here (opens in new window).

The one downside to using this type of form is that you can’t choose the companies you will receive quotes from. So if you prefer to pick individual companies for rate comparison, we have a page of companies who write auto insurance in your area. Click to view list.

It’s up to you how you get prices quotes, just double check that you are using the exact same coverage information with every price quote. If you use different values for each quote it’s not possible to determine which rate is truly the best.

Why your Subaru Legacy insurance rates may be high

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that may reward you with better car insurance rates.

The list below includes a partial list of the pieces used by your company to calculate rates.

  • Being married can save on car insurance – Getting married can get you a discount when buying car insurance. Having a significant other is viewed as being more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • High numbers of claims are not good – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Car insurance companies provide better rates to insureds who do not file claims often. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Where do you drive? – The more miles you rack up on your Subaru each year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Cars left parked in the garage get more affordable rates compared to those used for work or business. Make sure your car insurance policy is showing how each vehicle is driven. Incorrect usage on your Legacy can cost quite a bit.
  • Special features that cut premiums – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

  • Are my friends covered when driving my 2009 Subaru Legacy?
  • Is my trailer covered?
  • Am I covered if I break a side mirror?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy high-risk coverage?
  • If my pet gets injured in an accident are they covered?
  • Am I covered when driving someone else’s vehicle?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance specifics

Understanding the coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Uninsured or underinsured coverage

This gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Subaru Legacy.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for collisions

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

Collision insurance covers things like backing into a parked car, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, vandalism, a tree branch falling on your vehicle and hitting a deer. The maximum amount a 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 it’s not worth carrying full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like dental work, pain medications, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

This will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like loss of income, court costs and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Online plus local equals savings

Lower-priced 2009 Subaru Legacy insurance is definitely available both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

Throughout this article, we presented a lot of information how to reduce insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with the least-expected company. Regional companies often have lower prices on specific markets than the large multi-state companies such as Progressive and Geico.

For more information, link through to these articles: