Compare 2004 Subaru Legacy Insurance Quotes

Locating low-cost insurance for a new or used Subaru Legacy could be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy auto insurance so you’re going to learn the quickest way to compare rates for a new or used Subaru and locate the lowest possible price.

It’s smart to compare premium rates yearly because prices change frequently. Despite the fact that you may have had the lowest price on Legacy coverage a few years ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance on the internet, but by reading this article, you’re going to learn a bunch of ideas how to stop overpaying for insurance.

The method we recommend to compare rates is to take advantage of the fact most of the larger companies participate in a system to give rate comparisons. To start a quote, the only thing you need to do is provide the companies a bit of rating information such as if a SR-22 is needed, if it has an alarm system, distance driven, and level of coverage desired. Your information is instantly provided to multiple companies and you get price estimates with very little delay.

Get affordable rates with discounts

Some companies don’t necessarily list every discount in a way that’s easy to find, so the next list breaks down some of the best known as well as some of the hidden discounts that you may qualify for.

  • No Claim Discounts – Drivers who stay claim-free get the best insurance coverage rates as compared to drivers who are more careless.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for slightly better insurance coveragerates than normal.
  • Active Military Service – Having a family member in the military can result in better rates.
  • Senior Citizen Discount – Older drivers can possibly qualify for better insurance coverage rates on Legacy coverage.
  • Auto/Home Discount – If you can combine your home and auto policy with one insurance company you could save at least 10% off all policies.
  • Homeowners Pay Less – Simply owning a home can get you a discount because of the fact that having a home shows financial diligence.
  • Save with More Vehicles Insured – Buying coverage for multiple cars or trucks with the same insurance coverage company can reduce rates for all insured vehicles.
  • Paper-free Discount – Some of the larger companies may give you up to $50 for buying your policy on your computer.

A quick disclaimer, most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

A list of companies and their possible discounts can be read below.

  • Farm Bureau may include discounts for renewal discount, multi-vehicle, multi-policy, youthful driver, 55 and retired, and safe driver.
  • Liberty Mutual offers discounts for teen driver discount, preferred payment discount, newly retired, new graduate, and new move discount.
  • State Farm offers discounts including anti-theft, driver’s education, multiple autos, Drive Safe & Save, defensive driving training, safe vehicle, and Steer Clear safe driver discount.
  • Auto-Owners Insurance offers premium reductions for company car, safe driver, teen driver, paperless, anti-lock brakes, and paid in full.
  • Geico includes discounts for driver training, federal employee, anti-lock brakes, multi-vehicle, daytime running lights, anti-theft, and five-year accident-free.
  • SAFECO has savings for safe driver, teen safe driver, bundle discounts, teen safety rewards, anti-lock brakes, anti-theft, and multi-car.

Double check with each company which discounts you qualify for. Savings might not apply in your area. To see insurers who offer free insurance coverage quotes, click here to view.

What is the best insurance coverage?

When buying the best insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

These are some specific questions might help in determining if you may require specific advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage if my license is suspended?
  • Is my Subaru Legacy covered if I use it for business?
  • What is the ISO rating for a 2004 Subaru Legacy?
  • Can I still get insurance after a DUI?
  • Should I buy more coverage than the required minimum liability coverage?
  • Who is covered when they drive my 2004 Subaru Legacy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Informed consumers can slash their insurance costs

Multiple criteria are used when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but other criteria are more transparent such as your marital status or your commute time.One of the most helpful ways to save on car insurance is to to have a grasp of the factors that aid in calculating the level of your policy premiums. When you understand what influences your rates, this enables you to make decisions that may reward you with lower rates.

  • Your location is important – Being located in a rural area is a good thing when shopping for auto insurance. City drivers have to deal with more auto accidents and more severe claims. Fewer drivers and short commutes means less chance of accidents.
  • Get hitched and get cheaper costs – Being married can actually save you money on car insurance. It demonstrates that you tend to be less irresponsible and insurance companies like that married couples file fewer claims.
  • How many miles do you drive? – Driving a lot of miles annually the higher your rates will be. Most insurance companies calculate prices based on their usage. Cars and trucks used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. It’s a smart idea to ensure your declarations sheet properly reflects the correct usage. Incorrect rating for your Legacy can cost quite a bit.
  • High insurance claims frequency drives up rates – Auto insurance companies give lower rates to policyholders who are claim-free. If you are a frequent claim filer, you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is designed for more catestrophic claims.
  • Lower rates by increasing comp and collision deductibles – Physical damage protection, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. A few examples of covered claims would be colliding with a building, damage caused by hail, and burglary. The deductibles tell how much you are willing to pay if you file a covered claim. The higher the amount you’re willing to pay, the less money you will pay for car insurance on Legacy coverage.
  • Men pay more for insurance – Over the last 50 years, statistics have shown that women are safer drivers than men. The data does not necessarily mean that males are worse at driving than females. Both sexes are responsible for accidents in similar numbers, but the males tend to have more serious accidents. They also get higher numbers of serious violations like reckless driving and DUI. Males from age 16 to 21 are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • Your job is a factor – Do you have a high-stress occupation? Careers like doctors, social workers and dentists tend to pay the highest average rates attributed to high stress levels and lots of time spent away from family. On the flip side, occupations like scientists, historians and retirees have lower than average premiums on Legacy coverage.
  • Cars with good safety ratings save money – Vehicles that have high safety ratings tend to have lower insurance rates. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims which can mean better rates for you. If the Subaru Legacy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Insurance coverage considerations

Understanding the coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Subaru Legacy.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as pain medications, surgery and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Coverage for liability

This will cover injuries or damage you cause to other people or property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things like bail bonds, loss of income, medical expenses and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This will pay to fix damage to your Legacy caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, damaging your car on a curb, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Shop. Compare. Save.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where an insured cut liability limits or collision coverage only to regret that it was a big mistake. The goal is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

Cheaper car insurance can be purchased both online as well as from independent agents, and you should compare rates from both in order to have the best price selection to choose from. Some car insurance companies may not provide price quotes online and usually these smaller providers only sell through independent agents.

People change insurance companies for many reasons like questionable increases in premium, delays in paying claims, policy cancellation and even denial of a claim. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

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