2010 Subaru Legacy Insurance Quotes – 6 Savings Tips

Did a good deal turn into an underperforming, overpriced auto insurance policy? Believe me, you’re not alone. Companies like Progressive, State Farm and Geico all claim big savings with ads and it is difficult to ignore the propoganda and take the time to shop coverage around.

It’s a good habit to price shop coverage yearly because rates trend upward over time. Even if you think you had the best deal on Legacy coverage last year other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to buy cheaper auto insurance.

If you are insured now or need a new policy, you can use these techniques to cut your premiums while maximizing coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to understand the proper methods to get comparison rates online.

Cheap auto insurance

Getting more affordable 2010 Subaru Legacy auto insurance pricing is an easy way to save money. You just need to take the time comparing rate quotes to find out which insurance company has affordable auto insurance quotes. It’s really simple and can be done using one of these methods.

1. Without a doubt, the easiest way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating boring form submissions to each individual auto insurance company. One form will get you rate comparisons from all major companies.
2. A slightly less efficient method to obtain and compare quotes online requires visiting the website for each individual company and get a separate price quote. For instance, we’ll assume you want to compare Liberty Mutual, Progressive and American Family. To find out each rate you need to go to every website to enter the same coverage data repeatedly, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you compare apples-to-apples coverage data on every quote you get. If you enter higher or lower deductibles it’s not possible to make an equal comparison.

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Get lower-cost car insurance quotes with discounts

Insuring your vehicles can cost a lot, but there may be some discounts that many people don’t even know exist. Most are applied at quote time, but once in a while a discount must be asked about before you get the savings.

• Use Seat Belts – Requiring all passengers to fasten their seat belts can save 10% or more off the medical payments premium.
• One Accident Forgiven – This one isn’t a discount, but some insurance companies may permit one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
• Senior Citizen Rates – If you’re over the age of 55, you may qualify for a slight reduction on a auto insurance quote on Legacy coverage.
• Good Student – This discount may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up until you turn 25.
• Anti-theft System – Cars that have factory anti-theft systems help deter theft and that can save you a little bit as well.
• Buy New and Save – Buying a new car instead of a used car can get you a discount compared to insuring an older model.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. But any discount should help lower the cost of your policy.

If you would like to choose from a list of insurance companies that offer the discounts shown above, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that may help highlight whether you will benefit from professional help.

• Do I pay less if my vehicle is kept in my garage?
• Does my 2010 Subaru Legacy need full coverage?
• I have good health insurance, so how much medical payments coverage do I need?
• Is my dog or cat covered if injured in an accident?
• Why does it cost so much to insure a teen driver?
• Do I need roadside assistance coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Collision protection

This will pay to fix damage to your Legacy from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, theft, fire damage, a broken windshield and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like X-ray expenses, doctor visits and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like loss of income, pain and suffering, funeral expenses, medical expenses and attorney fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Subaru Legacy.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are set the same as your liablity limits.

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One last thing

Low-cost 2010 Subaru Legacy insurance can be found from both online companies and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and these regional insurance providers prefer to sell through independent agencies.

As you prepare to switch companies, do not reduce needed coverages to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your focus should be to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

More detailed insurance coverage information can be found in the articles below:

• Comprehensive Coverage (Liberty Mutual)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Driving in Bad Weather (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Older Driver Statistics (Insurance Information Insitute)

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