2015 Subaru Legacy Car Insurance Rates – 6 Discounts for Best Quotes

Looking for lower car insurance rates for your Subaru Legacy? Did budget coverage turn out to be overpriced car insurance? It’s quite common and there are lots of people in the same boat. Multiple insurers compete to insure your vehicles, so it can be very hard to choose a insurer to discover the definitive lowest cost out there.

How to buy insurance coverage online

Comparing insurance coverage rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You could spend your day talking about coverages with local insurance agents in your area, or you can stay home and use the web to get prices fast.

Most major companies participate in a marketplace that enables customers to submit one quote, and every company returns a rated price for coverage. This saves time by eliminating form submissions for each company you want a rate for.

To compare rates now click here to open in new window.

The one downside to using this type of system is that consumers can’t choose which companies to get pricing from. So if you prefer to choose specific providers to compare rates, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but be certain you are entering the exact same coverage limits and deductibles with each company. If you are comparing higher or lower deductibles you can’t possibly truly determine the lowest rate.

Affordable insurance coverage quotes with discounts

Insurance coverage is not inexpensive, but you might be missing out on some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be requested specifically prior to receiving the credit.

  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Legacy insurance than their less cautious counterparts.
  • E-sign Discounts – A handful of companies will provide an incentive for completing your application on your computer.
  • Low Mileage Discounts – Maintaining low annual mileage could qualify for substantially lower insurance coveragerates.
  • Senior Citizens – Older drivers may qualify for a small discount on rates on Legacy insurance.
  • Air Bags and Passive Restraints – Factory air bags can receive discounts as much as 30%.
  • Data Collection Discounts – Drivers who agree to allow driving data collection to spy on driving manner by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as the data is positive.

Remember that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So even though you would think adding up those discounts means a free policy, nobody gets a free ride.

Some of the insurance companies that may include many of the previously listed discounts include:

Before buying, ask each insurance company how you can save money. Some of the discounts discussed earlier might not be available to policyholders in your area. To see a list of insurance coverage companies with discount rates, click here to view.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs might need an agent’s assistance.

  • What are the best liability limits?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need higher collision deductibles?
  • Is a blown tire covered by insurance?
  • What is high-risk coverage and where do I buy it?
  • Who is covered when they drive my 2015 Subaru Legacy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Car insurance coverage considerations

Knowing the specifics of car insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

Liability – Liability insurance will cover injuries or damage you cause to other’s property or people 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 commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as medical services, court costs, structural damage and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage kick in for bills such as nursing services, chiropractic care and prosthetic devices. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, vandalism, falling objects, hitting a deer and fire damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays for damage to your Legacy caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, crashing into a ditch, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.