Compare 2016 Subaru Legacy Insurance Rates

Saving money on auto insurance might be hard for drivers who are new to buying insurance online. With such a large number of online companies available, it can easily be a difficult situation to locate the lowest price.

You should take the time to compare prices before your policy renews because auto insurance rates are usually higher with each renewal. Despite the fact that you may have had the best rate on Legacy coverage at your last renewal other companies may now be cheaper. There is a lot of bad advice regarding auto insurance online, but in this article, you’re going to get some solid techniques on how to find affordable auto insurance.

If you have car insurance now, you will be able to cut costs considerably using this information. Shopping for the best insurance is simple if you know the tricks. Nevertheless, consumers need to have an understanding of how the larger insurance companies determine prices and apply this information to your search.

Don’t miss these discounts

Insuring your fleet can be pricey, but you can get discounts that you may not even know about. Many of these discounts will be applied automatically when you complete an application, but less common discounts must be inquired about before being credited.

• Life Insurance Discount – Select insurance carriers reward you with a discount if you purchase life insurance.
• Good Student – Being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
• Early Switch Discount – Some auto insurance companies reward drivers for buying a policy prior to your current policy expiration. You can save around 10% with this discount.
• Air Bags and Passive Restraints – Options like air bags can get savings up to 30%.
• Homeowners Savings – Being a homeowner may trigger a policy discount on auto insurance because of the fact that having a home means you have a higher level of financial diligence.
• Discounts for Multiple Vehicles – Buying coverage for multiple vehicles with one company can reduce the rates for all insured vehicles.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% off the PIP or medical payment premium.
• Drivers Ed for Students – Have your child take driver’s ed class in school or through a local driver safety program.

Remember that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works.

To see insurers with discount rates, click here.

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Compare auto insurance price quotes online

The are a couple different ways to compare prices from many auto insurance companies in your state. The best way to find the cheapest 2016 Subaru Legacy insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished by using one of the methods below.

1. The fastest and easiest way to get quotes is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quote forms for each company. One form submission gets you price quotes from all major companies. This is by far the quickest method.
2. Another way to find lower rates is to take the time to go to each individual company website to complete a price quote. For examples sake, we’ll assume you want to see prices from Farmers, Esurance and Travelers. You would have to navigate to each company’s site and punch in your information repeatedly, which is not fast way to get rate quotes.

   To view a list of companies in your area, click here.

3. The old school method to get price estimates is making phone calls or going to different agent offices. Doing it all online has made agencies unnecessary unless you have a complicated situation and need the peace of mind of a local agent. It is possible with some companies find lower rates online and get advice from an agent in your area.

The approach you take is up to you, just make sure you are using exactly the same coverage limits for each quote you get. If you have different data it will be very difficult to determine which rate is truly the best. Just a small difference in limits may result in a large different in cost. And when price shopping your coverage, having more price comparisons provides better odds of finding a lower rate. Some smaller insurers to not give online rate quotes, so you need to compare rates from them, too.

Six factors that determine insurance prices

Lots of factors are part of the equation when you get a price on insurance. Most are fairly basic like an MVR report, although some other factors are less obvious like your continuous coverage or your commute time.The best way to find cheaper car insurance is to take a look at some of the elements that help determine your car insurance rates. If you understand what impacts premium levels, this enables informed choices that may reward you with lower car insurance prices.

• High stress job may mean higher prices – Jobs such as military generals, architects and dentists generally pay higher premiums than the average policyholder attributed to high stress levels and incredibly demanding work hours. On the flip side, jobs like farmers, athletes and retirees generally pay rates lower than average on Legacy coverage.
• Liability coverage preserves assets – A critical coverage on your policy, liability insurance provides coverage if ever you are responsible for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so do not cut corners here.
• Better drivers pay better costs – How you drive impacts your car insurance rates tremendously. Having a single ticket may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance compared to bad drivers. Drivers who get careless tickets such as DUI, reckless driving or excessive speeding are required to maintain a SR-22 with the DMV in their state in order to prevent their license from being revoked.
• Urban residents pay more – Residing in areas with lower population can be a good thing when talking about car insurance. Drivers who live in large cities have to deal with more auto accidents and more severe claims. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims.
• Where do you drive? – The higher the miles on your Subaru in a year’s time the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Vehicles that do not get driven very much can be on a lower rate level than those used for commuting. Verify your car insurance policy is showing the proper vehicle usage. An incorrectly rated Legacy may be costing you higher rates.
• Gals tend to cost less – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. They both get in at-fault accidents in similar percentages, but guys cause more damage. They also get higher numbers of serious violations such as DWI and reckless driving. Youthful male drivers have the highest risk to insure and therefore pay the highest rates.

Special considerations

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you may require specific advice.

• Will my rates increase for filing one claim?
• Does my insurance cover a custom paint job?
• Does coverage extend to Mexico or Canada?
• What companies insure drivers after a DUI or DWI?
• I don’t drive much so do I pay less?
• Does liability extend to a camper or trailer?
• Can I rent a car in Mexico?
• What is no-fault insurance?
• How can I get high-risk coverage after a DUI?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

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Auto insurance 101

Learning about specific coverages of car insurance can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance – Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as emergency aid, court costs and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Subaru Legacy.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, damage from flooding and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance – Med pay and PIP coverage reimburse you for bills like chiropractic care, ambulance fees and nursing services. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a building, hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Do the work, save more money

Budget-conscious 2016 Subaru Legacy insurance can be found both online in addition to local insurance agencies, so you should compare both so you have a total pricing picture. Some companies do not provide online quoting and these regional insurance providers only sell through local independent agencies.

As you quote auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped collision coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

In this article, we presented a lot of tips how to get a better price on 2016 Subaru Legacy insurance. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from the smaller companies.

Other resources

• Electronic Stability Control FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)

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