1997 Subaru Legacy Insurance Quotes – 7 Ideas for Cheapest Rates

Vehicle owners not familiar with comparing insurance coverage rates online can find locating affordable car insurance is nearly impossible.

It’s smart to compare premium rates as often as possible because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest quotes on Legacy insurance on your last policy there is a good chance you can find better rates now. Ignore everything you know about insurance because we’re going to show you how to quote online to save on insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. Essentially every vehicle owner who is required by state law to have auto insurance stands a good chance to be able to save money. But vehicle owners must know the way companies price online insurance.

Are you getting every discount?

Insurance coverage is neither fun to buy or cheap, but there’s a good chance there are discounts that can help lower your rates. Most are applied when you complete an application, but some need to be manually applied prior to receiving the credit.

• ABS Brakes – Vehicles equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
• Accident Waiver – but companies like Allstate, State Farm and Geico will forgive one accident without the usual rate increase as long as you don’t have any claims prior to the accident.
• Discount for Passive Restraints – Factory air bags or motorized seat belts could see savings of 25 to 30%.
• Student Driver Training – Have your child participate in a local driver’s education class in high school.
• Discount for Multiple Policies – If you can combine your auto and home policy with one company they may give you a discount of nearly 15% which can help you find inexpensive car insurance.
• Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a lower insurance coverage rate if you buy some life insurance too.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free insurance coverage policy, it’s just not the way it works.

Larger insurance coverage companies and some of the premium reductions they offer are outlined below.

• Progressive may have discounts that include continuous coverage, multi-vehicle, good student, online quote discount, online signing, multi-policy, and homeowner.
• MetLife has discounts for accident-free, defensive driver, claim-free, good driver, good student, multi-policy
• Mercury Insurance includes discounts for multi-car, location of vehicle, anti-theft, annual mileage, type of vehicle, ease of repair, and age of vehicle.
• Nationwide offers discounts including defensive driving, easy pay, business or organization, accident-free, and multi-policy.
• Geico offers discounts for seat belt use, air bags, defensive driver, five-year accident-free, multi-policy, good student, and anti-theft.
• AAA discounts include AAA membership discount, education and occupation, good driver, anti-theft, multi-policy, and pay-in-full.

Check with every prospective company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see a list of companies with discount rates, click here.

When in doubt talk to an agent

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions might help in determining if you might need an agent’s assistance.

• What is the minimum liability in my state?
• Why do I need rental car insurance?
• Is my dog or cat covered if injured in an accident?
• How do I buy GAP insurance?
• Does my insurance cover my expensive audio equipment?
• Does my policy pay for OEM or aftermarket parts?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage basics

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like chiropractic care, EMT expenses, nursing services and prosthetic devices. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

Collision insurance will pay to fix damage to your Legacy resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like legal defense fees, attorney fees, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 1997 Subaru Legacy.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hitting a deer, damage from getting keyed and falling objects. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

One last thing about your coverage

We covered quite a bit of information on how to get a better price on 1997 Subaru Legacy insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest premium rates are with a company that doesn’t do a lot of advertising.

Insureds leave their current company for any number of reasons including poor customer service, delays in responding to claim requests, policy cancellation or even unfair underwriting practices. It doesn’t matter why you want to switch finding a new auto insurance company is actually quite simple.

Lower-priced auto insurance can be bought both online in addition to many insurance agents, and you should be comparing both to have the best rate selection. A few companies may not provide rate quotes online and many times these small, regional companies provide coverage only through local independent agents.

Helpful information

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• State Car Insurance Guides (Geico)
• Older Drivers FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)