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Subaru Legacy Insurance Rates

Comparing auto insurance online can be fast and easy, plus you might just save a little. The most important part is to compare as many rate quotes as possible so you can get the lowest priced insurance.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies vying for your business. Getting better Legacy insurance cost is not rocket science. Just take time to get quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by these factors

Auto insurance rates for a Subaru Legacy will vary greatly depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Your credit history
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • Crash test rating for your Legacy
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Home ownership saves money

A final factor that can impact Legacy insurance rates is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them will push premiums up. Although newer models may have a trim level with safety features included like adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection so those may give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverage - This coverage protects you from damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage - This coverage pays for damage to your Subaru caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Legacy collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper Legacy insurance rates.

Comprehensive coverage - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your Subaru Legacy comprehensive insurance. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Subaru Legacy Insurance Rates?