Cheap 2017 Subaru Legacy Car Insurance Cost

Trying to find cheaper insurance for your Subaru Legacy could be an all-consuming task, but you can follow our insurance buying tips to find lower rates. There is a right way and a wrong way to find insurance online and you need to know the quickest way to quote coverages for your Subaru and find the lowest possible price.

Consumers should take time to take a look at other company’s rates once or twice a year because prices tend to go up over time. If you had the best price on Legacy coverage last year there is a good chance you can find better rates now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best way to save money, get proper deductibles and limits, all at the lowest rate.

How to shop insurance coverage online

Reducing your 2017 Subaru Legacy insurance rates is pretty simple and can save money. Just take a few minutes comparing price quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

1. The fastest way to get quotes is a comparison rater form click here to open form in new window. This style of form saves time by eliminating a different quote for every prospective company. Just one form gets prices estimates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
2. Another way to shop for insurance coverage online is to take the time to go to the website for every company you want to comare and fill out a new quote form. For sake of this example, we’ll pretend you want to compare rates from Auto-Owners, Esurance and Allstate. In order to compare rates, you need to navigate to each company’s site to input your insurance information, which is why the first method is quicker.

   For a handy list of car insurance company links in your area, click here.

3. The most time-consuming way of getting rate comparisons is to spend time driving to local insurance agencies. Shopping for insurance coverage online makes this unnecessary unless you have a complicated situation and need the personal advice of a licensed agent. Although, it is possible compare the best prices online but purchase the actual policy in an agency.

It’s your choice how you get your quotes, but ensure you’re using identical coverage limits for each comparison quote. If each company quotes different coverage information it will be nearly impossible to make a fair rate comparison.

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Verify you’re getting every discount

Insurance can cost an arm and a leg, but there could be significant discounts to help offset the cost. Certain discounts will be applied when you complete an application, but some discounts are required to be specifically requested prior to getting the savings.

• Early Switch Discount – A few insurance companies give discounts for buying a new policy before your current policy expires. It can save you around 10%.
• New Vehicle Savings – Buying a new car instead of a used car is cheaper since new model year vehicles have better safety ratings.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
• Defensive Driver – Taking a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
• Discounts for Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on the same insurance policy can reduce the rates for all insured vehicles.

Consumers should know that many deductions do not apply the the whole policy. Some only reduce individual premiums such as comp or med pay. So when the math indicates you could get a free insurance policy, it just doesn’t work that way.

A few popular companies and a partial list of their discounts include:

• Farmers Insurance offers discounts for business and professional, youthful driver, pay in full, teen driver, and homeowner.
• State Farm includes discounts for accident-free, defensive driving training, good student, safe vehicle, driver’s education, and good driver.
• Liberty Mutual offers discounts including exclusive group savings, preferred payment discount, multi-car, safety features, good student, hybrid vehicle, and new vehicle discount.
• MetLife discounts include good student, claim-free, multi-policy, good driver, accident-free, defensive driver
• Progressive has discounts for online signing, continuous coverage, online quote discount, multi-vehicle, multi-policy, homeowner, and good student.

It’s a good idea to ask all the companies which discounts you qualify for. Savings might not be available to policyholders in your area.

When should I discuss my situation with an agent?

When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

• Is my teenager covered with friends in the car?
• Am I covered when driving someone else’s vehicle?
• How do I file an SR-22 for a DUI in my state?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need rental car coverage?
• Do I need more liability coverage?
• Is my Subaru Legacy covered if I use it for business?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Get cheap insurance rates by understanding these factors

Multiple criteria are used when quoting car insurance. Some of the criteria are obvious like your driving record, although others are not quite as obvious like your continuous coverage or how financially stable you are.

The factors shown below are a few of the things used by your company to calculate your rate level.

• Prevent theft and save – Selecting a car model that has a built-in theft deterrent system can help lower your rates. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
• Continuous coverage saves money – Driving without insurance is illegal and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will your rates increase, getting caught without coverage could earn you fines and jail time.
• Higher insurance coverage rates for demanding employers – Occupations such as military generals, architects and accountants tend to pay the highest average rates due to intense work-related stress and long work days. On the other hand, jobs such as farmers, athletes and the unemployed receive lower rates on Legacy coverage.
• Insurance rates in urban areas – Being located in smaller towns and rural areas of the country can be a good thing when insuring your vehicles. Drivers in populated areas regularly have more road rage incidents and longer commutes to work. Fewer drivers and short commutes corresponds to lower accident rates and lower theft and vandalism rates.
• Marriage can save on insurance coverage – Walking down the aisle can get you a discount on your insurance coverage bill. Having a spouse usually means you are more responsible and insurance companies like that married drivers get in fewer accidents.
• What are your coverage deductibles? – Comp and collision deductibles define how much you are willing to pay if a covered claim is submitted. Physical damage protection, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some coverage claims would be rearending another vehicle, hail damage, or theft of your vehicle. The larger the amount the insured is willing to pay, the less your company will charge you for insurance on Legacy coverage.
• More than one policy can earn a discount – Lots of insurers will give lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare rates to help ensure you have the lowest rates. You may still be able to find lower rates by buying insurance from more than one company.
• Drivers with good credit save – Having a bad credit score can be a huge factor in determining your rates. Drivers with very good credit scores tend to be less risk to insure than drivers who have poor credit. If your credit history could use some work, you could save money insuring your 2017 Subaru Legacy by improving your credit score.

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Drivers who switch save $413 a year? Really?

Consumers can’t ignore all the ads that claim the lowest rates by Allstate, Geico and Progressive. All the companies make the same claim about how much you will save just by switching your coverage.

How is it possible that every company can lower your rates? Here is how they do it.

All the different companies quote their cheapest rates for the type of driver that is profitable for them. For instance, a preferred risk may be married and over the age of 30, has a clear driving record, and does not commute to work. A customer getting a price quote who meets those qualifications is entitled to the best price and will cut their rates if they switch.

Insureds who cannot meet this stringent profile will be charged a higher rate and this results in the customer buying from a different company. The wording the ads use say “drivers that switch” not “everyone that quotes” save money. This is how insurance companies can make those claims. Each company has different criteria, so you should compare as many free auto insurance quotes as you can. It is impossible to predict which insurance companies will have the best premium rates for your profile.

Insurance coverage basics

Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability

Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as structural damage, funeral expenses, medical services, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as funeral costs, rehabilitation expenses, X-ray expenses, EMT expenses and chiropractic care. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, backing into a parked car, damaging your car on a curb, hitting a mailbox and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, a tree branch falling on your vehicle, fire damage, falling objects and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Subaru Legacy.

Because many people 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.

Be Smart and Buy Smart

The cheapest 2017 Subaru Legacy insurance is definitely available from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best rate selection. There are still a few companies who do not provide rate quotes online and usually these smaller providers only sell through independent agencies.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. In many instances, someone dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the best cost, but do not skimp to save money.

We just showed you a lot of techniques to shop for 2017 Subaru Legacy insurance online. It’s most important to understand that the more you quote auto insurance, the higher your chance of finding affordable auto insurance. You may be surprised to find that the biggest savings come from a small mutual company.

More information can be found below:

• Understanding Limits and Deductibles (Allstate)
• Rollover Crash FAQ (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• Shopping for a Safe Car (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Learn About Car Insurance (Geico)

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