Save on 2014 Subaru Legacy Car Insurance Quotes

Pretty sure you bought an overpriced insurance coverage policy? Trust us, there are lots of people in the same boat.

Numerous insurance companies battle for your business, and because of this it can be hard to compare insurers to get the lowest cost out there.

It’s a good idea to quote other rates before your next renewal because prices change frequently. Even if you got the lowest price for Legacy insurance at your last renewal a different company probably has better rate quotes today. There are lots of tips to save on insurance coverage on the web, but I’m going to show you some of the best ways to find cheap insurance coverage.

If you currently have a car insurance policy, you should be able to save some money using this strategy. Finding affordable coverage is easy if you know what you’re doing. But consumers must understand the way companies market insurance on the web and apply this information to your search.

Cheaper rates with these insurance discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that may help make it more affordable. Some discounts will apply when you get a quote, but some may not be applied and must be specially asked for before being credited.

  • Policy Bundle Discount – If you can combine your homeowners and auto policy with one company you will save up to 20% off your total premium.
  • Good Drivers – Drivers who don’t get into accidents may save up to 50% more for Legacy insurance than drivers with accident claims.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course in school or through a local driver safety program.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower premium rates on the low mileage vehicles.
  • Renewal Discounts – A few companies allow discounts for switching to them prior to the expiration date on your current policy. This discount can save up to 10%.
  • Good Student – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Data Collection Discounts – Drivers who agree to allow driving data collection to study their driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.

A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, nobody gets a free ride.

Car insurance companies that possibly offer many of the previously listed discounts possibly include:

If you are trying to find the cheapest insurance coverage quotes, ask every prospective company which discounts you may be entitled to. Discounts might not apply in your area. To see insurance companies with the best discounts, follow this link.

Cheapest insurance price quotes

There are several ways to compare quotes from different companies. One of the best ways to do a complete rate comparison is to jump online and get quotes. This is very easy and can be done by using one of the methods below.

  1. The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This style of form prevents you from having to do multiple quote forms for each company you want a rate for. One form submission compares rates from all major companies.
  2. A harder way to find more affordable insurance requires you to visit each individual company website and get a separate price quote. For instance, we’ll assume you want comparison quotes from Allstate, Esurance and State Farm. In order to compare rates, you need to spend time on each company’s site and repeatedly enter your information, and that explains why we recommend the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The last method to quote and compare insurance rates is to spend your day driving to insurance agencies in your area. The fact that you can get quotes online has made agencies unnecessary unless you have a complicated situation and need the advice and guidance of an agent trained in personal lines coverage. Drivers can comparison shop online but purchase the actual policy in an agency.

Whichever way you choose to compare rates, ensure you are comparing the same coverages on every quote you get. If you enter mixed coverages it will be very difficult to truly determine the lowest rate. Slightly different coverage limits can make a big difference in price. It’s important to know that comparing all the rates in your area provides better odds of finding more affordable rates. Some regional insurers cannot provide online price quotes, so you also need to get price estimates from them as well.

What impacts Subaru Legacy insurance premiums?

Lots of things are part of the equation when pricing auto insurance. Some are pretty understandable such as traffic violations, but others are more obscure like your continuous coverage or your vehicle rating.An important part of buying insurance is that you know the rating factors that help determine insurance rates. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to big savings.

  • Do you work long hours in a demanding employer? – Did you know your insurance rates can be affected by your occupation? Occupations such as doctors, architects and emergency personnel have higher rates than average attributed to intense work requirements and long work hours. Conversely, professions such as farmers, students and homemakers get better rates for Legacy insurance.
  • Are you male or female? – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. The data does not necessarily mean that females are better at driving than males. Both genders tend to get into accidents at about the same rate, but the males tend to have higher claims. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving. Male teenagers generally have the highest accident percentage and therefore are the most expensive to insure.
  • Bump up comp and collision deductibles to lower rates – Physical damage coverage, also called ‘full coverage’, covers your vehicle from damage. Some instances where coverage would apply could be running into the backend of another car, vandalism, and having your car stolen. Deductibles for physical damage tell how much you are required to spend out-of-pocket if the claim is covered. The more damage repair cost the insured has to pay upfront, the less money you will pay for insurance for Legacy insurance.
  • Do you need those extra coverages? – There are quite a few additional coverages you can purchase on your insurance policy. Coverages like coverage for rental cars, towing coverage, and extra equipment coverage may be wasting your money. They may seem like a good idea when buying your policy, but if you have no use for them get rid of them and save.
  • Prices may be higher where you live – Being located in a small town may provide you with better prices when buying insurance. Less people living in that area translates into fewer accidents. Residents of big cities have to deal with much more traffic and much longer commute distances. Spending more time driving means more chances of being involved in an auto accident.
  • Accidents drive up costs – Just one moving violation may increase your cost by as much as thirty percent. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Drivers who have received serious violations like reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • How many miles do you drive? – The higher the mileage driven annually the more you will pay for insurance. Almost all companies rate vehicles based upon how you use the vehicle. Vehicles not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Legacy may be costing you. It’s a good idea to make sure your insurance coverage reflects annual mileage, because it can save money.
  • Lower rates come with age – Teenage drivers have a tendency to get distracted easily with other occupants in the car so they pay higher insurance rates. More experienced drivers have been proven to be more responsible, statistically cause fewer accidents , and are generally more financially stable.

Car insurance can get complicated

When it comes to choosing the right insurance coverage, there is no one size fits all plan. Every situation is different so your insurance should reflect that For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have coverage when using my vehicle for my home business?
  • How can I get high-risk coverage after a DUI?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I carry comprehensive and collision coverage?
  • Does car insurance cover theft of personal property?
  • When can my company non-renew my policy?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Smaller companies may have the best rates

Auto insurance companies such as Geico, State Farm and Progressive seem to constantly run television and radio advertisements. All the companies advertise the message that you can save if you get a free insurance coverage quote and switch your policy. How can each company offer drivers better rates? It’s all in the wording.

Insurance providers have a preferred profile for the type of customer that will generate a profit. For instance, a profitable customer might have to be between the ages of 30 and 45, carries high limits, and has a short commute. Any new insured who matches those parameters will get very good premium rates and have a good chance to save when switching.

Drivers who do not match this ideal profile will probably have to pay higher prices which results in business going elsewhere. The trick is to say “people that switch” but not “everyone who gets a quote” save that much money. That’s why companies can truthfully make claims that they all have the best car insurance rates. This really drives home the point why you need to get insurance coverage quotes as often as possible. Because you cannot predict the company that will fit your personal profile best.

What car insurance coverages do you need?

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses for things like chiropractic care, prosthetic devices, surgery and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverage

Liability insurance will cover injuries or damage you cause to other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things like repair bills for other people’s vehicles, emergency aid, attorney fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, damage from a tornado or hurricane, hitting a bird, a tree branch falling on your vehicle and falling objects. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

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

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Shop smart and save

Budget-conscious 2014 Subaru Legacy insurance is definitely available from both online companies and from local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide rates over the internet and many times these smaller companies only sell coverage through independent insurance agencies.

We’ve covered a lot of techniques to save on 2014 Subaru Legacy insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheaper insurance coverage. Consumers could even find that the best car insurance rates are with the least-expected company. Regional companies can often provide lower premium rates in certain areas than their larger competitors like Progressive or Geico.

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