2016 Subaru Legacy Insurance Rates

Searching for cheaper car insurance rates for your Subaru Legacy? Locating cheaper insurance for a new or used Subaru Legacy can normally be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the best way to quote coverages for a Subaru and locate the best price possible.

If you have a policy now or are looking for a new policy, you can use these tips to get lower rates and possibly find even better coverage. Shopping for more affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of the tricks to compare prices on the web.

How to buy insurance coverage online

Getting cheaper 2016 Subaru Legacy insurance coverage pricing is a fairly straight forward process. All you need to do is take a couple of minutes to compare rate quotes to find out which insurance company has cheap insurance quotes. This is very easy and can be done by following the guidelines below.

  1. Hands down the most simple method to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This quick form prevents you from having to do separate quotes for every insurance coverage company. One quote request gets you coverage quotes direct from many companies. It’s definitely the quickest method.
  2. A slightly less efficient method to find lower rates is spending the time to visit each company website and go through the quote process again. For examples sake, let’s assume you want to view quotes from Progressive, GEICO and Travelers. In order to compare rates, you need to go to each individual site and enter your policy data, which is why the first method is quicker. For a list of companies in your area, click here.

Whichever way you use, make sure you use equivalent coverage data with every price quote. If the quotes have differing limits you will not be able to determine which rate is truly the best.

Cheaper auto insurance rates with discounts

Auto insurance is not an enjoyable expense, but there are discounts available that can help lower your rates. Certain discounts will be applied at the time of quoting, but some discounts are required to be asked about in order for you to get them.

  • Driver’s Education for Students – Have your child sucessfully take a drivers education course in high school.
  • Clubs and Organizations – Being in specific professional or occupational memberships or organizations can get you a small discount on auto insurance.
  • Multiple Policy Discount – When you have multiple policies and insure them with the same company you may earn over 10 percent off each policy depending on the company.
  • Online Discount – A few larger companies will give a small break for buying your policy on the web.
  • Senior Citizens – Older drivers may receive a small decrease in premiums for Legacy insurance.

You should keep in mind that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any amount of discount should help lower your overall premium however.

Some of the larger companies that possibly offer these money-saving discounts are:

If you need the cheapest insurance quotes, ask every insurance company which discounts you may be entitled to. Depending on the company, some discounts may not be available in your area. To find insurers that offer discounts, click here to view.

How your Legacy insurance premiums are determined

When buying auto insurance it’s important to understand the different types of things that come into play when calculating the price you pay for auto insurance. If you have some idea of what influences your rates, this empowers consumers to make smart changes that may result in big savings.

  • Improve your credit rating – A driver’s credit score is a large factor in calculating your premium rate. If your credit history can use some improvement, you could save money insuring your 2016 Subaru Legacy by spending a little time repairing your credit. Drivers with high credit scores tend to be better risks to insure as compared to drivers with poor credit.
  • Compare rates if you bundle your policies – Most insurers will award lower prices to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to help ensure you have the lowest rates.
  • Gender and car insurance costs – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean men are WORSE drivers than women. Females and males cause at-fault accidents at a similar rate, but the males cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 generally have the highest accident percentage so it costs more to insure them.
  • Vehicle theft costs us all – Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft and help bring rates down.
  • Long commutes cost more – The higher the mileage driven each year the more you’ll pay to insure it. A lot of insurance companies rate vehicles based on their usage. Vehicles that have low annual miles receive better premium rates than vehicles that are driven to work every day. Ask your agent if your auto insurance declarations sheet properly reflects annual mileage, because improper ratings can cost you money. Having the wrong rating on your Legacy is just wasting money.
  • Policy claims cost money – If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Auto insurance companies provide lower rates to people who file claims infrequently. Your car insurance is designed for larger claims.

Tailor your insurance coverage coverage to you

When choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight whether or not you might need an agent’s assistance.

  • I have health insurance so do I need medical payments coverage?
  • Will filing a claim cost me more?
  • If my 2016 Subaru Legacy is totaled, can I afford another vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need PIP coverage since I have good health insurance?
  • When should I buy a commercial auto policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I really need UM/UIM coverage?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Tricks in insurance coverage advertising

Drivers can’t escape the ads that claim the best prices from the likes of Allstate, GEICO and Progressive. All the ads seem to make the promise about savings if you switch your insurance coverage coverage to their company.

How does every company make almost identical claims?

All the different companies quote the lowest rates for the right customer that is profitable for them. For instance, a desirable risk might have to be married and over the age of 30, has had continuous coverage, and drives less than 7,500 miles a year. Any driver that matches those criteria receives the best premium rates and have a good chance to pay quite a bit less when switching companies.

Insureds who may not quite match the “perfect” profile will be charged a higher premium which leads to the prospect going elsewhere. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” save money. That is how insurance companies can advertise the savings.

Because of the profiling, you should compare many company’s car insurance rates. You cannot predict which company will be your best fit.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision coverage

This will pay to fix damage to your Legacy caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like loss of income, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, fire damage, vandalism, damage from getting keyed and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills like EMT expenses, chiropractic care, doctor visits and surgery. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Final thoughts

People leave their current company for many reasons like extreme rates for teen drivers, unfair underwriting practices, high rates after DUI convictions or an unsatisfactory settlement offer. Whatever your reason, finding a great new company can be easier than you think.

Some insurance providers may not provide online rate quotes and these smaller providers only sell through local independent agents. More affordable insurance coverage is attainable both online and from local insurance agents, so you need to compare both so you have a total pricing picture.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your focus should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

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