1998 Subaru Legacy Insurance Quotes – 6 Tricks for Cheaper Rates

Looking for lower auto insurance rates? Shoppers have a choice when shopping for the best price on Subaru Legacy insurance. You can either waste hours struggling with agents to get rate comparisons or use the internet to find the lowest rates.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the best way to compare rates for your Subaru and find the cheapest rates.

It’s important to get comparison quotes periodically due to the fact that insurance prices tend to go up over time. Even if you got the best rates for Legacy coverage at your last renewal a different company probably has better premium rates today. You’ll find a ton of advice on auto insurance online, but you can learn some proven techniques to buy auto insurance cheaper.

How to get low cost auto insurance

All the larger auto insurance companies like State Farm and Allstate provide pricing direct online. Obtaining pricing is pretty easy as you simply type in your coverage preferences into the form. After you submit the form their rating system sends out for your credit score and driving record and generates a price based on the data you entered.

Being able to quote online helps simplify price comparisons, but the work required to visit multiple sites and type in the same information is repetitive and time-consuming. But it’s also necessary to have as many quotes as possible in order to find a better rate.

A quicker way to get multiple rate quotes makes use of a single form to obtain quotes from a bunch of companies at once. It saves time, reduces the work, and makes comparison shopping much simpler. As soon as you send your information, it is quoted and you are able to buy any of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

In order to find out what other companies charge, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you enter your coverages as shown on your current policy. Doing this assures you will receive an apples-to-apples comparison using the same coverage and limits.

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Six discounts to earn cheaper insurance rates

Companies don’t necessarily list all available discounts very well, so we took the time to find both the well known and the harder-to-find discounts that you can inquire about if you buy insurance online. If they aren’t giving you every credit you deserve, you may be paying too high a price.

• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school.
• Memberships – Affiliation with a civic or occupational organization is a simple method to lower premiums on insurance.
• One Accident Forgiven – This one is not really a discount per se, but some companies like Geico and Allstate permit an accident without the usual rate increase so long as you haven’t had any claims before the accident.
• Active Service Discounts – Having a family member in the military could be rewarded with lower insurance rates.
• Smart Student Discounts – This discount can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
• Mature Driver Discount – Drivers that qualify as senior citizens may qualify for better insurance rates for Legacy coverage.

As a footnote on discounts, most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, insurance companies aren’t that generous.

Car insurance companies that may offer quotes with most of these discounts include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

If you are trying to find low cost insurance quotes, ask every prospective company to apply every possible discount. All car insurance discounts may not apply in your area. To view insurers that offer the discounts shown above, click here.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

• Am I covered when delivering products for my home-based business?
• Is a new car covered when I drive it off the dealer lot?
• How much can I save by bundling my policies?
• Am I covered when driving on a suspended license?
• Is a fancy paint job covered?
• Am I getting all the discounts available?
• What is no-fault insurance?
• Is my teenager covered with friends in the car?
• Should I waive the damage coverage when renting a car?
• Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your insurance policy

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting 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 coverage pays for claims such as colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like pain medications, nursing services, rehabilitation expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, theft and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 1998 Subaru Legacy.

Due to the fact that many drivers only carry the minimum required liability 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. Most of the time these limits are identical to your policy’s liability coverage.

Coverage for liability

This provides protection from injuries or damage you cause to other people or property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, court costs, bail bonds, funeral expenses and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

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In the end, you save

Discount 1998 Subaru Legacy insurance can be bought online as well as from independent agents, and you should compare rates from both to have the best selection. Some insurance coverage companies may not offer price quotes online and these regional insurance providers only sell coverage through independent agents.

Consumers change insurance companies for any number of reasons including denial of a claim, being labeled a high risk driver, an unsatisfactory settlement offer or even questionable increases in premium. No matter why you want to switch, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

We covered a lot of techniques to compare 1998 Subaru Legacy insurance premium rates online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even find the biggest savings come from the least-expected company.

Additional information can be found below:

• Distracted Driving (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Red Light Cameras (State Farm)
• Vehicle Insurance (Wikipedia)

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