2000 Subaru Legacy Car Insurance Quotes – 10 Policy Discounts

Shopping for cheap car insurance on the web can seem to be impossible for people not familiar with price shopping online. With dozens of online companies available, how are people able to have time to compare every one to find the cheapest price possible?

Compare insurance rates

To get low cost auto insurance quotes, there a variety of ways to compare quotes from all the different companies. The easiest way by far to find the cheapest 2000 Subaru Legacy insurance rates consists of obtaining rate quotes online. This can be done by using one of the methods below.

1. One of the fastest ways to find low rates is a comparison rater form click to view form in new window. This method prevents you from having to do separate quote forms for every insurance company. A single form will get you price quotes from all major companies. Recommended for those who want to invest the least amount of time.
2. A slightly less efficient method to get quotes online consists of visiting the website for every company you want to comare and fill out a new quote form. For example, we’ll pretend you want comparison quotes from State Farm, Farmers and Travelers. In order to compare rates, you need to visit each site and enter your policy data, which can get rather old.

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

It’s up to you which method you use, but make darn sure you compare the same coverage limits and deductibles on every price quote you get. If you use different data it’s impossible to determine the lowest rate for your Subaru Legacy. Having just a slight variation in insurance coverages or limits may result in a large different in cost. And when comparison shopping, comparing more company’s prices will improve the odds of getting a lower rate.

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Ten discounts for affordable insurance rates

Insurance is not inexpensive, but there’s a good chance there are discounts that you may not even know about. Some trigger automatically when you complete an application, but a few must be asked about before they will apply.

• Accident Forgiveness Coverage – Not really a discount, but a few companies such as Geico, Progressive, and Allstate may permit one accident before your rates go up so long as you are claim-free for a certain period of time.
• Passenger Safety Discount – Cars that have air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Safety Course Discount – Taking a course in defensive driving can save you 5% or more and easily recoup the cost of the course.
• Good Driver Discounts – Insureds without accidents can pay as much as 50% less on Legacy insurance than drivers with accidents.
• Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and will save you 10% or more.
• Active Military Service – Being deployed in the military could trigger a small discount.
• E-sign Discounts – Some of the larger companies provide a small discount for buying a policy and signing up online.
• Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease on Legacy insurance with some insurance companies.
• Home Ownership Discount – Just being a homeowner can get you a discount due to the fact that maintaining a home demonstrates responsibility.
• Low Mileage Discounts – Maintaining low annual mileage could earn discounted rates on garaged vehicles.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will definitely lower your policy cost.

If you would like to choose from a list of providers that offer some of these discounts, click here.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can help discover whether you will benefit from professional help.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• When does my teenage driver need to be added to my policy?
• Can I make deliveries for my home business?
• What is no-fault insurance?
• How high should my medical payments coverage be?
• Do I have coverage when using my vehicle for my home business?
• Is my Subaru Legacy covered if I use it for business?
• Should I waive the damage coverage when renting a car?
• Is my trailer covered?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Auto insurance policy specifics

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability – Liability insurance can cover damages or injuries you inflict on people or other property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as court costs, pain and suffering, emergency aid, legal defense fees and bail bonds. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for bills for ambulance fees, funeral costs, doctor visits, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird and damage from flooding. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Subaru Legacy.

Since many drivers carry very low liability coverage 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.

Collision – This will pay to fix damage to your Legacy resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

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Knowledge is power

As you quote auto insurance, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed collision coverage and found out when filing a claim that it was a big mistake. The goal is to get the best coverage possible at the best cost, but do not skimp to save money.

The cheapest 2000 Subaru Legacy insurance is definitely available on the web and with local insurance agents, so get free auto insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who do not provide internet price quotes and these regional carriers only sell coverage through local independent agencies.

We’ve covered many tips how you can save on 2000 Subaru Legacy insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding inexpensive auto insurance. You may even discover the most savings is with the smaller companies.

To learn more, feel free to browse the articles below:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• Rollover Crash FAQ (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)

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