How Much Does 2009 Subaru Legacy Insurance Cost?

Drivers have options when trying to find affordable Subaru Legacy insurance. They can either waste time driving around to get rate comparisons or leverage the internet to get rate quotes.

There is a better way to compare insurance rates and you need to know the absolute fastest way to get price quotes for a Subaru and get the best price possible from local insurance agents and online providers.

How much does insurance cost?

Getting low cost 2009 Subaru Legacy insurance pricing isn’t really that difficult. Drivers just need to take a few minutes comparing rates provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

If you’re in a hurry, the quickest way to find the lowest comparison rates is a comparison rater form click to view form in new window. This easy form eliminates the need for separate quote forms to each individual insurance company. One quote request gets rate comparisons from multiple companies. It’s definitely the quickest method.

A harder way to find more affordable insurance is to take the time to go to the website for each individual company and complete a new quote form. For sake of this example, we’ll pretend you want to view quotes from Liberty Mutual, State Farm and GMAC. To find out each rate you need to go to each individual site and punch in your information repeatedly, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but try to use equivalent coverage information with each company. If you are comparing different data it’s not possible to determine which rate is truly the best.

Take policy discounts and save

Auto insurance companies don’t list all available discounts very well, so the next list breaks down a few of the more common as well as some of the hidden savings tricks you should be using when you buy auto insurance online. If you do not double check each discount you qualify for, you are just wasting money.

  • Good Student – A discount for being a good student may save as much as 25% on a auto insurance quote. This discount can apply until age 25.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
  • Discounts for Cautious Drivers – Accident-free drivers may save up to 50% more on Legacy insurance as compared to drivers with claims.
  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Discounts for New Vehicles – Buying a new car instead of a used car is cheaper because newer vehicles keep occupants safer.

One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky. Any qualifying discounts will help reduce your policy cost.

Companies and their possible discounts include:

  • State Farm includes discounts for safe vehicle, driver’s education, multiple policy, anti-theft, Steer Clear safe driver discount, and good driver.
  • American Family has savings for air bags, good driver, TimeAway discount, bundled insurance, multi-vehicle, accident-free, and mySafetyValet.
  • AAA offers premium reductions for anti-theft, good driver, education and occupation, multi-car, pay-in-full, good student, and AAA membership discount.
  • Geico policyholders can earn discounts including membership and employees, multi-vehicle, five-year accident-free, federal employee, daytime running lights, driver training, and anti-lock brakes.
  • Mercury Insurance may offer discounts for type of vehicle, multi-policy, annual mileage, professional/association, age of vehicle, and good student.
  • Farmers Insurance offers discounts for distant student, teen driver, bundle discounts, switch companies, pay in full, alternative fuel, and early shopping.
  • Progressive may have discounts that include good student, multi-vehicle, online quote discount, online signing, and multi-policy.

When quoting, ask each company to give you their best rates. A few discounts might not be offered on policies in every state. For a list of providers who offer auto insurance discounts, follow this link.

Which policy gives me the best coverage?

When it comes to choosing coverage, there really is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

  • What if I total my 2009 Subaru Legacy and owe more than it’s worth?
  • Am I covered if I break a side mirror?
  • Is my teen driver covered when they drive my company car?
  • How high should my medical payments coverage be?
  • Why do I only qualify for high-risk insurance?
  • Is my babysitter covered when using my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When should I not file a claim?
  • What is the rate difference between pleasure use and commuting?

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 a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about car insurance coverages

Learning about specific coverages of car insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, hail damage, a tree branch falling on your vehicle, hitting a bird and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills for things like X-ray expenses, pain medications, surgery and funeral costs. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision – This coverage will pay to fix damage to your Legacy caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, hitting a mailbox, rolling your car and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability – This protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, medical services, funeral expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.