Lower Your 2002 Subaru Legacy Insurance Quotes

Searching for cheaper car insurance rates for your Subaru Legacy? No one in their right mind looks forward to buying car insurance, in particular when their premiums are through the roof. Due to the increasing number of options when it comes to car insurance, it’s difficult to locate the cheapest insurer.

It’s a good idea to shop coverage around quite often because rates trend upward over time. Just because you found the lowest premium rates for Legacy coverage at your last renewal you can probably find a lower rate today. There are a lot of ways to save on car insurance online but in just a couple of minutes you can learn some tested techniques to stop overpaying for insurance.

Insurance coverage quotes comparison

Reducing your 2002 Subaru Legacy insurance rates is not rocket science. All you need to do is take time to compare free insurance quotes from different insurance companies. Price comparisons can be done in just a few minutes using one of these methods.

• The best way consumers can analyze rates is to use a rate comparison form click to view form in new window. This form prevents you from having to do boring form submissions for each price estimate. One simple form will get you rate comparisons from multiple companies.
• A slightly less efficient method to analyze rates requires you to visit each company’s website and get a separate price quote. For examples sake, let’s assume you are doing a rate comparison from Allstate, Geico and American Family. To get rate quotes you would need to spend time going to each site individually and enter your policy data, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
• The least recommended way of getting rate comparisons is going to insurance agents’ offices. Buying insurance online eliminates the middleman unless your situation requires the personal advice that can only be provided by a licensed insurance agent. Some companies do allow you to comparison shop your insurance online but buy from a local insurance agent.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use equivalent quote data on every quote you get. If each company quotes different coverage information you will not be able to determine which company has the best rates.

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But they said I’d save $391 a year!

Consumers can’t get away from ads for cheaper insurance from companies such as State Farm and Allstate. All the companies tend to make the same promise that you’ll save big if you just switch to their company.

How is it plausible that every one can make almost identical claims?

Many companies can use profiling for the type of driver that makes them money. For example, a driver they prefer might have to be married and over the age of 30, carries full coverage, and drives less than 7,500 miles a year. Anybody that matches those criteria will get low premium rates and will save quite a bit of money when switching.

Potential insureds who don’t qualify for this stringent profile will see a higher rate and ends up with the customer not buying. The trick companies use is to say “drivers who switch” not “all people who quote” save money. That is how insurance companies can make those claims.

Because of this risk profiling, drivers must get a wide range of price quotes. Because without a comparison, you cannot know with any certainty which company will be your best fit.

You may qualify for discounts

Car insurance companies don’t list every possible discount very clearly, so the next list breaks down a few of the more common as well as the least known discounts you could be receiving when you buy insurance online.

• Multi-policy Discount – When you combine your homeowners and auto insurance and place coverage with the same company you could get a discount of nearly 15% which can help you find the cheapest insurance.
• Own a Home – Owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
• Discounts for Cautious Drivers – Drivers who avoid accidents could pay up to 40% less for Legacy coverage than less cautious drivers.
• Onboard Data Collection – Insureds that choose to allow driving data submission to analyze vehicle usage by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as the data is positive.
• Sign Online – A handful of insurance companies will provide an incentive shop insurance on the web.

Policy discounts save money, but some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

The best insurance companies and the discounts they provide include:

• American Family may have discounts that include mySafetyValet, bundled insurance, good driver, good student, early bird, multi-vehicle, and accident-free.
• State Farm offers premium reductions for Drive Safe & Save, accident-free, anti-theft, student away at school, passive restraint, safe vehicle, and multiple autos.
• 21st Century has discounts for anti-lock brakes, air bags, driver training, automatic seat belts, homeowners, teen driver, and 55 and older.
• Travelers policyholders can earn discounts including continuous insurance, IntelliDrive, new car, payment discounts, multi-car, and multi-policy.
• Geico includes discounts for military active duty, anti-lock brakes, multi-vehicle, emergency military deployment, and five-year accident-free.

If you are trying to find the cheapest insurance quotes, ask each insurance company to apply every possible discount. Some credits may not apply to policies in every state. If you would like to see a list of providers who offer online insurance quotes, click here to view.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether you might need professional guidance.

• Am I covered when delivering products for my home-based business?
• How many claims can I have before being cancelled?
• Am I covered if I hit my neighbor’s mailbox?
• Are my tools covered if they get stolen from my vehicle?
• Does my insurance cover a custom paint job?
• Is my babysitter covered when using my vehicle?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

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Auto insurance coverage information

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Auto liability – Liability coverage will cover injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people. 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. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair costs for stationary objects, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Collision coverages – Collision coverage covers damage to your Legacy resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a ditch, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for short-term medical expenses for EMT expenses, hospital visits, nursing services, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, a broken windshield, damage from getting keyed and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2002 Subaru Legacy.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Make an honest buck

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped uninsured motorist or liability limits only to discover later that it was a big mistake. Your focus should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

We just presented a lot of ways to compare 2002 Subaru Legacy insurance prices online. It’s most important to understand that the more you quote insurance, the better chance you’ll have of finding the cheapest insurance. You may even find the lowest prices are with an unexpected company. They can often provide lower rates in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

Additional articles

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Teen Driving Statistics (Geico)
• All About Airbag Safety (State Farm)
• Winter Driving (Insurance Information Insitute)

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