2008 Subaru Legacy Insurance Rates – 10 Ways to Save

Did you fall for a flashy sales pitch and buy an overpriced insurance coverage policy? Trust us, there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Because you have many choices, it can be challenging to find the cheapest insurance company.

Consumers should take time to shop coverage around before your policy renews because prices are usually higher with each renewal. Even if you got the lowest rates on Legacy coverage at your last renewal there is a good chance you can find better premium rates now. You’ll find a ton of advice on insurance coverage online, but in just a couple of minutes you can learn some excellent ideas to slash your insurance coverage rates.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to cut costs considerably using this information. But consumers can benefit by having an understanding of the way companies market on the web and take advantage of how the system works.

These ten discounts can slash car insurance rates

Car insurance is neither fun to buy or cheap, but there could be significant discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of quoting, but some need to be manually applied before they will apply.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Distant Student Discount – Children who live away from home at college and don’t have a car may be able to be covered for less.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if offered at their school.
  • Discount for Passive Restraints – Cars that have air bags can get savings of more than 20%.
  • Waiver for an Accident – This one is not really a discount per se, but companies like Geico and Allstate will let one accident slide without the usual rate increase as long as you don’t have any claims for a certain period of time.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Legacy coverage.
  • E-sign Discounts – A few car insurance companies will provide an incentive shop auto insurance digitally online.
  • Student Discounts – Performing well in school can earn a discount of 20% or more. You can use this discount normally up to age 25.
  • Service Members Pay Less – Having an actively deployed family member could qualify you for better prices.

Please keep in mind that most of the big mark downs will not be given the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous. Any amount of discount will lower your policy cost.

Some of the larger companies that have most of these discounts include:

When quoting, ask every company how you can save money. Some credits might not be available to policyholders in your area. To locate companies who offer free car insurance quotes, click this link.

Save $465 a year? Really?

Companies like Allstate, Geico and Progressive consistently run ads on TV and radio. All the companies state the claim about saving some big amount if you move your auto insurance policy to them. But how can every company claim to save you money? Just pay attention to how they say it.

Different companies have specific criteria for the type of customer that will be a good risk. For instance, a desirable insured might be described as over the age of 50, has never had a claim, and drives less than 7,500 miles a year. A driver who matches that profile will most likely get cheap prices and will probably save quite a bit of money when switching.

Consumers who do not meet these standards must pay higher rates and business going elsewhere. The trick is to say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can make the claims of big savings. This really drives home the point why drivers should quote coverage with many companies. It’s just not possible to know the company that will have the best car insurance rates at this point in time.

When do I need an agent’s advice?

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight if you would benefit from an agent’s advice.

  • Am I missing any policy discounts?
  • How can I force my company to pay a claim?
  • Do I need an umbrella policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my state a no-fault state?
  • How can I find cheaper teen driver insurance?
  • At what point should I drop full coverage?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Coverage specifics

Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement. These are typical coverages available from auto insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, fire damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills such as EMT expenses, chiropractic care, doctor visits, X-ray expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto liability insurance – This coverage will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as structural damage, emergency aid, court costs, legal defense fees and loss of income. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

UM/UIM Coverage – This coverage 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.

Due to the fact that many drivers 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 important protection for you and your family.

Collision coverage – This covers damage to your Legacy from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

More effort can pay off

Cost effective 2008 Subaru Legacy insurance is available both online as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online rate quotes and many times these smaller providers only sell through independent insurance agencies.

In this article, we presented many tips how you can compare 2008 Subaru Legacy insurance rates online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the most savings is with a smaller regional carrier. These companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm or Progressive.

More information can be found at the links below