View 2016 Subaru Legacy Car Insurance Rates

Are you drained from scraping nickels together to pay insurance coverage each month? Your situation is no different than millions of other vehicle owners.

Lots of auto insurance companies contend for your business, so it can be very hard to choose a insurance company to find the absolute lowest price

Shop auto insurance online

Performing a rate comparison can be a daunting task if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could use the internet to get prices fast.

Most car insurance companies belong to a marketplace that enables customers to only type in their quote data once, and each company provides a quote based on that information. This eliminates the need for quote forms for each company. To fill out one form to compare multiple rates now click here to open in new window.

The single downside to doing it this way is that consumers can’t choose the companies you want to price. If you prefer to choose individual companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using equivalent coverage limits and deductibles with every price quote. If each company quotes different limits and deductibles on each one then you won’t be able to find the best deal for your Subaru Legacy. Having just a slight variation in coverages could skew the results. Just keep in mind that comparing all the rates in your area helps you find more affordable insurance. Some insurance companies are not set up to provide online rate quotes, so it’s recommended that you also compare prices from them as well.

What insurance coverages do I need?

When choosing the best car insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Do I need more liability coverage?
  • Why do I only qualify for high-risk insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is there coverage for injuries to my pets?
  • Are rental cars covered under my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Is my 2016 Subaru Legacy covered for smoke damage?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Car insurance 101

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are the normal coverages available from auto insurance companies.

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, rock chips in glass and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses like X-ray expenses, rehabilitation expenses and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage – This coverage protects you from damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, legal defense fees and pain and suffering. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. 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 carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision – This coverage pays for damage to your Legacy resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, backing into a parked car, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.