Cheap 1997 Subaru Legacy Insurance Quotes

Trying to find lower car insurance rates for your Subaru Legacy? Pretty sure you bought an expensive car insurance policy? Don’t sweat it because there are a lot of people just like you who feel imprisoned by their car insurance policy.

You have multiple insurers to pick from, and even though it’s nice to have multiple companies, having more insurance companies makes it harder to find the best rates for your vehicles.

This information will familiarize you with how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you should be able to cut costs considerably using this information. Nevertheless, drivers do need to know how insurance companies sell online and use this information to your advantage.

How to compare insurance coverage quotes

There are several ways to compare quotes from many available insurance coverage companies in your state. The fastest way to compare rates involves getting comparison quotes online. This can be accomplished in several different ways.

  1. The best way to get quotes for comparison is a comparison rater form (click to open form in new window). This form saves time by eliminating repetitive form entry for each price estimate. One form submission will return quotes instantly.
  2. Another way to obtain and compare quotes online is going to each company website to request a price quote. For example, we’ll pretend you want to compare Geico, State Farm and Farmers. You would be required to spend time on each company’s site and enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, do your best to use equivalent coverage limits and deductibles for each quote you get. If you are comparing different liability limits it’s not possible to decipher which rate is best. Just a small difference in limits may result in large price differences. And when price shopping your coverage, getting more free quotes provides better odds of finding a lower rate.

Cheaper insurance rates with discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that you may not even know about. Some discounts apply automatically at the time of purchase, but once in a while a discount must be requested specifically before being credited.

  • Drivers Education – Require your teen driver to enroll and complete driver’s education if offered at their school.
  • Military Discounts – Being deployed with a military unit could mean lower prices.
  • Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for a slight reduction on a insurance quote for Legacy coverage.
  • Federal Employees – Active or former government employment could provide a small rate reduction for Legacy coverage with select insurance companies.
  • Good Drivers – Safe drivers can save as much as half off their rates for Legacy coverage compared to accident prone drivers.

Keep in mind that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

Companies and the discounts they provide are:

  • Farm Bureau may have discounts that include youthful driver, multi-policy, multi-vehicle, driver training, and safe driver.
  • Liberty Mutual has savings for preferred payment discount, teen driver discount, new vehicle discount, good student, safety features, and exclusive group savings.
  • State Farm offers premium reductions for anti-theft, multiple policy, accident-free, good student, and driver’s education.
  • Auto-Owners Insurance offers discounts including safe driver, company car, mature driver, safe vehicle, good student, and paperless.
  • Geico may offer discounts for multi-policy, federal employee, air bags, multi-vehicle, and military active duty.
  • SAFECO includes discounts for accident prevention training, anti-theft, drive less, bundle discounts, multi-car, teen safe driver, and anti-lock brakes.

When getting a coverage quote, ask each company which discounts they offer. Some discounts listed above may not apply to policyholders in your area. To choose insurance companies who offer free insurance quotes, click here.

The Subaru Legacy insurance price equation

Lots of factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although others are more obscure like where you live or your financial responsibility.One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that play a part in calculating your auto insurance rates. When you understand what influences your rates, this enables informed choices that could help you find better auto insurance rates.

  • Demanding vocation may mean higher rates – Did you know your auto insurance rates can be affected by your occupation? Occupational choices like lawyers, architects and accountants have higher rates than average in part from intense work situations and lots of time spent away from family. On the flip side, occupations such as professors, historians and the unemployed pay the least for Legacy coverage.
  • Avoid traffic tickets – Drivers who don’t get tickets get better prices as compared to those with violations. Just one ticket can increase rates by twenty percent. Drivers who have gotten severe citations like DUI or willful reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Get married and get cheaper rates – Having a significant other may earn you lower rates on auto insurance. Having a spouse is viewed as being more responsible it has been statistically shown that being married results in fewer claims.
  • Compare rates if you bundle your policies – Most insurance companies apply discounts to insureds who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you already get this discount, consumers should still compare other company rates to guarantee you are still saving the most. You may still find lower rates by buying insurance from more than one company.
  • Cheaper to insure women? – The statistics show women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. Males and females have fender benders at about the same rate, but males have costlier accidents. In addition to higher claims, males also receive more major tickets like reckless driving and DUI.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might point out whether you might need professional guidance.

  • Will I lose any money if I cancel my policy before it expires?
  • Is my state a no-fault state?
  • Do I need more liability coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Is my 1997 Subaru Legacy covered for smoke damage?
  • Am I covered if I wreck a rental car?
  • What can I do if my company won’t pay a claim?
  • Do I need rental car coverage?
  • How does medical payments coverage work?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Parts of your auto insurance policy

Having a good grasp of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s 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 is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, surgery and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision protection

Collision insurance will pay to fix damage to your Legacy caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, sustaining damage from a pot hole, crashing into a building, rolling your car and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability insurance

This can cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy 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 total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, loss of income, repair costs for stationary objects and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive auto insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Don’t throw your cash in the trash

We just showed you many tips how you can reduce 1997 Subaru Legacy insurance rates online. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper insurance. You may even find the lowest rates come from the least-expected company. Smaller companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

Lower-priced 1997 Subaru Legacy insurance is available from both online companies in addition to many insurance agents, so you need to quote insurance with both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and many times these regional insurance providers sell through local independent agents.

Additional detailed information can be found at these sites: