1990 Subaru Legacy Insurance Rates – 7 Tricks for Cheaper Quotes

Trying to find better auto insurance rates for your Subaru Legacy? High-priced Subaru Legacy insurance can eat up your savings and force you to tighten up your finances. Comparing price quotes can be a smart way to cut your insurance bill.

Vehicle owners have so many insurers to insure vehicles with, and even though it’s nice to be able to choose, it can be more difficult to find a good deal.

It’s smart to do price comparisons quite often because auto insurance prices change quite often. Just because you found the best rates for Legacy insurance six months ago there may be better deals available now. There is a lot of bad advice regarding auto insurance on the internet, but we’re going to give you some good information on how to slash your auto insurance rates.

Verify you’re getting every discount

Auto insurance can be pricey, but there may be some discounts that you may not even be aware of. A few discounts will be applied at quote time, but some need to be inquired about before they will apply.

  • Sign Online – Some companies will give a small break for buying a policy and signing up online.
  • No Claim Discounts – Claim-free drivers can earn big discounts as opposed to accident-prone drivers.
  • Membership in Organizations – Joining qualifying employment or professional organizations is a good way to get lower rates on your policy.
  • Save over 55 – Seniors could receive lower premium rates for Legacy insurance.
  • Seat Belts Save – Requiring all passengers to use their safety belts could save 15% on medical payment and PIP coverage.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and will save you 10% or more.
  • Active Military Service – Having a deployed family member may qualify for rate reductions.

A quick disclaimer, most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, you’re out of luck.

To choose providers that provide some of the discounts listed above, click here.

The quickest method we recommend to compare insurance rates in your area is to take advantage of the fact most of the bigger providers participate in a system to give free rates quotes. The one thing you need to do is provide details including the type of vehicles you drive, whether you are single or married, driver details, and whether you have decent credit. That rating data is then sent to multiple auto insurance providers and you should receive rate quotes with very little delay.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you may require specific advice.

  • Why am I required to buy high-risk coverage?
  • Is there coverage for injuries to my pets?
  • Is a fancy paint job covered?
  • Is pleasure use cheaper than using my 1990 Subaru Legacy to commute?
  • Can I afford to pay high deductible claims out of pocket?
  • Does insurance cover tools stolen from my truck?
  • Should I get collision insurance on every vehicle?
  • What can I do if my company won’t pay a claim?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

The coverage is in the details

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for dental work, chiropractic care, prosthetic devices and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Legacy from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, sideswiping another vehicle, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Subaru Legacy.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, damage from getting keyed, hail damage, falling objects and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

This coverage protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as medical expenses, bail bonds, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Pennies from heaven

Cheaper 1990 Subaru Legacy insurance is attainable from both online companies as well as from insurance agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not have price quotes online and these smaller providers only sell through independent agencies.

We just showed you a lot of tips how to save on 1990 Subaru Legacy insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the lowest rates come from a small local company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

Even more information can be read at these sites: