View 1998 Subaru Legacy Insurance Cost

Trying to find lower auto insurance rates? Buyers have many options when searching for low-cost Subaru Legacy insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to compare rates. There is a better way to find auto insurance online so we’re going to tell you the best way to compare rates on a Subaru and obtain the lowest possible price from local insurance agents and online providers.

Finding the best rates is quite easy. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Drivers only need an understanding of the best way to compare company rates online.

Car insurance policy discounts

Companies do not advertise the entire discount list in an easy-to-find place, so the list below details both the well known and the harder-to-find discounts that may be available.

  • Professional Organizations – Being in certain professional organizations is a simple method to lower premiums on your next renewal.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with substantially lower rates.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • Early Signing – Some larger companies provide a discount for switching policies prior to your current policy expiring. The savings is around 10%.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.

One thing to note about discounts is that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, companies don’t profit that way.

A few popular companies and some of the discounts are shown below.

  • Mercury Insurance offers discounts for anti-theft, annual mileage, multi-car, ease of repair, and accident-free.
  • Farmers Insurance may have discounts that include early shopping, business and professional, multi-car, youthful driver, teen driver, electronic funds transfer, and switch companies.
  • Farm Bureau has savings for driver training, safe driver, multi-policy, renewal discount, multi-vehicle, good student, and 55 and retired.
  • State Farm offers premium reductions for Drive Safe & Save, good student, driver’s education, safe vehicle, and student away at school.
  • Allstate may offer discounts for anti-theft, eSmart discount, premier discount, teenSMART discount, farm vehicle, and anti-lock brakes.
  • Geico discounts include federal employee, multi-policy, emergency military deployment, daytime running lights, anti-lock brakes, multi-vehicle, and good student.

Before buying, ask each insurance company the best way to save money. Some credits may not apply in your area. If you would like to see a list of insurance companies that offer some of these discounts, click this link.

Informed consumers can cut insurance costs

Lots of factors are used in the calculation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but others are less apparent such as your marital status or how financially stable you are.When buying insurance coverage it’s important to understand the rating factors that come into play when calculating your premiums. When consumers understand what controls the rates you pay, this allows you to make good choices that will entitle you to lower rates.

  • Do you really need roadside assistance? – There are a lot of additional extra coverages that you can get tricked into buying when buying insurance coverage. Coverages for personal injury protection, towing, and extra life insurance coverage may be wasting your money. The coverages may be enticing when buying your policy, but if you don’t need them remove them and pocket the money.
  • Insure car and home with the same company – Some insurers allow a discount to people that have more than one policy. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even with this discount, it’s in your best interest to compare other insurance prices to help ensure you have the lowest rates.
  • Age of drivers – Drivers with little experience are known to be easily distracted when behind the wheel therefore insurance coverage rates are much higher. Parents adding a first-time driver onto a policy will cause a huge premium hike. Mature drivers have been proven to be more responsible, file fewer claims , and usually have better credit.
  • Safety ratings are a factor – Cars with high safety ratings tend to have lower insurance rates. Safe vehicles reduce injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders. If the Subaru Legacy earned at least four stars on Safercar.gov it may cost less to insure.

How do I know if I need professional advice?

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.

  • Does my 1998 Subaru Legacy need full coverage?
  • What is UM/UIM insurance?
  • Do I need rental car coverage?
  • Are rock chip repairs covered?
  • Why do I only qualify for high-risk insurance?
  • Am I getting all the discounts available?
  • Should I have a commercial auto policy?
  • What are the best liability limits?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does having multiple vehicles earn me a discount?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance coverage options for a Subaru Legacy

Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other people or property. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for ambulance fees, dental work, hospital visits and funeral costs. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage 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 like backing into a parked car, rolling your car, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

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. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive protection

This will pay to fix 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 protects against claims like hitting a deer, a broken windshield, fire damage and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In the end, you save

Insureds change insurance companies for a number of reasons such as delays in paying claims, being labeled a high risk driver, denial of a claim or even questionable increases in premium. Whatever your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.

Cheaper car insurance can be bought on the web as well as from insurance agents, so get free insurance quotes from both of them to have the best rate selection. A few companies do not offer internet price quotes and usually these small, regional companies only sell through independent agencies.

As you quote insurance, never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice collision coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

Even more information is located in these articles: