Save on 2000 Subaru Legacy Insurance Quotes

Want the cheapest car insurance rates for your Subaru Legacy? Have you had enough of trying to scrape together enough money to pay car insurance each month? You have the same problem as most other consumers. Insurance companies such as State Farm and Geico all promote huge savings with ad campaigns and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.

You should take the time to check car insurance prices once or twice a year because rates change quite often. If you had the lowest premium rates for Legacy coverage six months ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use online quotes to find better rates and still maintain coverage.

If you have a current auto insurance policy or are looking for a new policy, you will benefit by learning to reduce the price you pay while maintaining coverages. Finding the best rates is quite easy. Drivers only need to know the most efficient way to shop their coverage around online.

How to buy car insurance online

Performing a rate comparison can be a daunting task if you don’t utilize the fastest way to get free quotes. You could waste time talking about coverages with insurance companies in your area, or you could save time and use online quotes to achieve your goal.

All the larger companies participate in a marketplace where insurance shoppers enter their policy data once, and at least one company returns a competitive quote determined by their information. This eliminates the need for quotation requests for every car insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to doing it this way is that consumers can’t choose which insurance companies to get pricing from. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

Take whichever approach you prefer, but do your best to use the same quote information for each price quote. If your comparisons have mixed coverages then you won’t be able to make a fair comparison for your Subaru Legacy.

Can you really save that much by switching?

Consumers constantly see and hear ads that claim the cheapest premium rates by State Farm, Geico and Progressive. All the companies advertise the message that drivers will save a bundle after switching your policy.

How is it possible that every company can charge lower premium rates? This is how they do it.

Insurance companies have specific criteria for the right customer that makes them money. One example of a driver they prefer may need to be between 30 and 50, has a clean driving record, and drives a vehicle with a low ISO rating. A propective insured that matches those criteria will get low prices as well as save a lot of money.

Drivers who do not match those criteria will probably be forced to pay a more expensive rate and ends up with the customer buying from someone else. The wording the ads use say “people that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can confidently make claims that they all have the best prices.

Because of these techniques, drivers should compare free insurance coverage quotes often. Because without a comparison, you cannot know which company will fit you best based on your risk profile.

Get lower-cost insurance rates by understanding these factors

Lots of factors are used when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but some are not as apparent such as your credit history and annual miles driven.

  • Do you really need roadside assistance? – Insurance policies have a lot of extra coverages that sound like a good idea at the time if you aren’t careful. Coverages like rental car coverage, accidental death, and extra equipment coverage may be costing you every month. They may seem good at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • Your spouse saves you money – Your spouse may cut your premiums on your insurance coverage bill. Having a significant other usually means you are more stable financially and it’s statistically proven that married drivers get in fewer accidents.
  • Where you reside can modify premiums – Living in a small town may provide you with better prices if you are looking for the lowest rates. Less people corresponds to lower accident rates in addition to lower liability claims City drivers have more traffic problems and a longer drive to work. The longer drive time means more chance of being in an accident.
  • Insure car and home with the same company – Most insurers give discounts to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, drivers will still want to comparison shop to confirm you are receiving the best rates possible. Consumers may find a better deal by buying from different companies

Save money with these discounts

Insurance is not inexpensive, but you may find discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time of quoting, but a few must be asked for prior to receiving the credit. If you are not receiving all the discounts possible, you’re just leaving money on the table.

  • More Vehicles More Savings – Buying a policy with more than one vehicle on a single policy can get a discount on all vehicles.
  • Discount for Swiching Early – Some insurance companies provide a discount for switching to them prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
  • ABS Braking Discount – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
  • Good Grades Discount – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. Most companies allow this discount up until you turn 25.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates for Legacy coverage than their less cautious counterparts.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your insurance coverage quote.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like it’s possible to get free car insurance, that’s just not realistic.

A few companies that may offer many of the previously listed discounts include:

If you want affordable insurance coverage quotes, ask each insurance company which credits you are entitled to. Depending on the company, some discounts might not apply in your state. To view insurers who offer online insurance quotes, click here to view.

Insurance can be complex

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might point out whether or not you could use an agent’s help.

  • Should I buy additional glass protection?
  • Is my ex-spouse still covered by my policy?
  • What is no-fault insurance?
  • Is my Subaru Legacy covered if I use it for business?
  • Is motorclub coverage worth it?
  • Does medical payments coverage apply to all occupants?
  • What if I total my 2000 Subaru Legacy and owe more than it’s worth?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Parts of your insurance policy

Learning about specific coverages of a insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses such as surgery, nursing services, hospital visits and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive auto coverage

This covers 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 claims like damage from getting keyed, hitting a deer and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Subaru Legacy.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability car insurance

This protects you from injuries or damage you cause to other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as pain and suffering, loss of income, medical expenses, repair bills for other people’s vehicles and court costs. How much coverage you buy is your choice, but consider buying higher limits if possible.

Spend less. Save more.

You just read some good ideas how you can save on 2000 Subaru Legacy insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates are with some of the lesser-known companies. Smaller companies can often provide lower prices in certain areas than the large multi-state companies such as Progressive and Geico.

Lower-priced 2000 Subaru Legacy insurance is possible online and from local agencies, so you need to shop insurance coverage with both so you have a total pricing picture. There are still a few companies who do not offer internet price quotes and usually these regional carriers only sell through independent agents.

As you quote insurance coverage, you should never buy poor coverage just to save money. Too many times, someone sacrificed liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Additional car insurance information can be found at these links: