1992 Subaru Legacy Car Insurance Rates – 5 Tips for Cheaper Quotes

Trying to find lower auto insurance rates for your Subaru Legacy? Searching for low-cost insurance for a Subaru Legacy can turn out to be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to compare auto insurance rates so we’re going to tell you the proper way to compare rates for a Subaru and obtain the lowest price from both online companies and local agents.

If you have a current auto insurance policy or need new coverage, you will benefit by learning to cut your premiums while maximizing coverage. Locating the cheapest coverage is simple if you know the tricks. Consumers just need to learn the most effective way to compare company rates online.

Buy auto insurance online

Getting a cheap price on 1992 Subaru Legacy insurance is actually quite simple. Drivers just need to spend a few minutes to compare free auto insurance quotes online with multiple companies. Comparing prices online can be done using a couple different methods.

  • The simplest way to get quotes for comparison is a comparison rater form (click to open form in new window). This method keeps you from doing repetitive form submissions for each price estimate. One form will get you rate comparisons direct from many companies.It’s the quickest way to get rates.
  • A different way to analyze rates is to manually visit each individual company website and repeat the quote process. For example, let’s assume you want to see prices from State Farm, GEICO and American Family. You would need to spend time going to each site individually and punch in your information repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, be sure to compare nearly identical coverages and limits on every price quote you get. If each company quotes different limits and deductibles on each one you can’t possibly determine the lowest rate for your Subaru Legacy.

Do you qualify for discount insurance?

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that you may not even know about. Some of these disounts will be visible at the time of purchase, but less common discounts must be asked about before they will apply.

  • Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
  • Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles on a single policy can get a discount for every vehicle.
  • Multiple Policy Discount – If you combine your auto and home policies and place coverage with the same company they may give you a discount of at least 10% off all policies.
  • Switch and Save Discount – Some larger companies reward drivers for switching to them prior to your current policy expiration. It could save around 10% when you buy auto insurance online.

A quick disclaimer, many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it’s just not the way it works. But any discount will reduce the cost of coverage.

A few of the larger companies and their offered discounts can be found below.

  • State Farm offers discounts including Steer Clear safe driver discount, safe vehicle, defensive driving training, multiple policy, and passive restraint.
  • Progressive includes discounts for continuous coverage, multi-vehicle, homeowner, good student, online quote discount, online signing, and multi-policy.
  • Travelers discounts include student away at school, new car, good student, continuous insurance, IntelliDrive, home ownership, and hybrid/electric vehicle.
  • American Family has savings for Steer into Savings, good driver, early bird, defensive driver, and accident-free.
  • Liberty Mutual may have discounts that include new move discount, new graduate, multi-car, newly retired, multi-policy, and exclusive group savings.

Before buying, ask all the companies which discounts they offer. Depending on the company, some discounts might not be available to policyholders in your area. To see a list of companies that have a full spectrum of discounts, click here.

What insurance coverages do I need?

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • Do I pay less for low miles?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is business property covered if stolen from my car?
  • Is other people’s property covered if stolen from my vehicle?
  • How can I find cheaper teen driver insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is the difference between comprehensive and collision coverage?
  • Is motorclub coverage worth it?
  • When can my company non-renew my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Big names are not always cheapest

Drivers can’t escape the ads that promise big savings for switching from the likes of Allstate and Progressive. All the companies state the claim that drivers can save some big amount if you just switch to their company.

How can each company say the same thing? It’s all in how they say it.

Different companies provide the lowest rates for the type of driver that makes them money. A good example of this type of driver might be over the age of 50, has never had a claim, and insures a new vehicle. A propective insured who matches that profile may get the lowest car insurance rates as well as pay quite a bit less when switching companies.

Consumers who fall outside those criteria will be quoted higher rates and this results in the driver buying from a lower-cost company. The wording the ads use say “people that switch” but not “all drivers who get quotes” save that much. This is how insurance companies can advertise the way they do.

Because every company is different, it is so important to get price quotes at each policy renewal. It is impossible to guess the company that will have the best premium rates at this point in time.

Car insurance coverages for a 1992 Subaru Legacy

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision coverage

This covers damage to your Legacy resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, sideswiping another vehicle, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, damage from flooding, fire damage and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

Liability insurance will cover damages or injuries you inflict on other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as funeral expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills for things like hospital visits, dental work, EMT expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Don’t break the bank

While you’re price shopping online, never buy poor coverage just to save money. In many cases, drivers have reduced comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

Affordable 1992 Subaru Legacy insurance can be bought both online in addition to local insurance agencies, so you should compare both to have the best rate selection. Some insurance providers may not have internet price quotes and usually these regional insurance providers only sell coverage through independent insurance agents.

We just covered some good ideas how you can save on 1992 Subaru Legacy insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best prices are with some of the lesser-known companies.

Additional resources