2013 Subaru Legacy Insurance Rates – 6 Savings Tips

Searching for better car insurance rates for your Subaru Legacy? Scraping up a payment for overpriced Subaru Legacy insurance can take a big chunk out of your bank account and put the squeeze on your family’s finances. Comparison shopping is a great way to reduce premiums and put more money in your pocket.

With consumers having so many car insurance companies to choose from, it can be challenging to locate the cheapest company.

Consumers need to shop coverage around on a regular basis due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the lowest rates on Legacy coverage a couple years back you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the best ways to get good coverage at a lower rate.

Choosing the best insurance company for you is not rocket science. Essentially every vehicle owner who has to buy insurance coverage will more than likely be able to lower their premiums. Although vehicle owners must understand how insurance companies determine prices because it can help you find the best coverage.

The quickest method to get policy rate comparisons is to know most larger insurance companies will pay a fee to give you rate quotes. All consumers are required to do is take a few minutes to give details such as your credit rating estimate, driver details, level of coverage desired, and how much education you have. The rating information is sent automatically to all major companies and you will get price comparisons instantly.

Don’t miss out on these six money-saving discounts

Car insurance companies do not advertise all their discounts very well, so we took the time to find both well-publicized and the harder-to-find insurance savings.

  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Memberships – Participating in a professional or civic organization could qualify you for a break on insurance on Legacy coverage.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • No Charge for an Accident – Some insurance companies permit an accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Student Driver Training – Require your teen driver to take driver’s ed class in school.

Keep in mind that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

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

Do I need special coverages?

When choosing the best insurance coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions can help discover if you will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my babysitter covered when using my vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • What are the best liability limits?
  • Does my personal policy cover me when driving out-of-state?
  • When would I need additional glass coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Car insurance 101

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on the average auto insurance policy.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims such as structural damage, attorney fees, loss of income, emergency aid 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 high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Subaru Legacy.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, driving through your garage door, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses such as X-ray expenses, ambulance fees and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, rock chips in glass and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Quote more. Save more.

We just showed you a lot of information how to compare 2013 Subaru Legacy insurance prices online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even find the lowest priced car insurance comes from some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

Cheaper insurance is available online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at a price you can afford, not the least amount of coverage.

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