1996 Subaru Legacy Car Insurance Quotes – 8 Discounts for Best Rates

Searching for the cheapest car insurance rates for your Subaru Legacy? Are you sick and tired of sacrificing to pay high car insurance rates every month? You are in the same boat as the majority of other people. Since you have so many car insurance companies to choose from, it’s nearly impossible to find the most cost effective insurance company.

The purpose of this post is to teach you how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you will most likely be able to save some money using these tips. Drivers only need an understanding of the most efficient way to shop for car insurance online.

Do you qualify for these eight discounts?

Some insurers don’t necessarily list all available discounts very clearly, so we took the time to find a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online.

  • E-sign – Many auto insurance companies may give you up to $50 shop insurance online.
  • Military Deployment Discount – Being deployed in the military can result in better prices.
  • Passive Restraint Discount – Factory options such as air bags or automatic seat belts may qualify for discounts as much as 30%.
  • Full Payment Discount – By making one initial payment instead of paying each month you can actually save on your bill.
  • Driver’s Ed – Teen drivers should successfully complete driver’s ed class as it can save substantially.
  • Driver Safety – Taking part in a defensive driving course could earn you a small percentage discount and easily pay for the cost of the class.
  • Driving Data Discount – Drivers who agree to allow their insurance company to track when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they are good drivers.
  • Accident Forgiveness – Not a discount per se, but a few companies such as State Farm, Progressive and GEICO will turn a blind eye to one accident before they charge you more for coverage so long as you are claim-free prior to the accident.

Please keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Larger auto insurance companies and a summarized list of policyholder discounts are detailed below.

  • GEICO has savings for defensive driver, emergency military deployment, multi-policy, air bags, military active duty, and membership and employees.
  • MetLife offers discounts for good driver, accident-free, good student, claim-free, defensive driver, multi-policy
  • Progressive may include discounts for online signing, online quote discount, good student, continuous coverage, multi-vehicle, multi-policy, and homeowner.
  • Travelers may have discounts that include student away at school, driver training, multi-car, home ownership, good student, multi-policy, and payment discounts.
  • SAFECO has discounts for anti-lock brakes, bundle discounts, multi-car, safe driver, and teen safety rewards.
  • AAA discounts include AAA membership discount, education and occupation, multi-policy, anti-theft, and pay-in-full.

Check with each company how you can save money. All car insurance discounts might not apply in your area. If you would like to choose from a list of insurance companies with discount auto insurance rates, click here.

First Step: Get free insurance coverage quotes

There are a lot of ways to compare insurance coverage quotes, but there is one way that is more efficient than others. You could spend your day talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Many companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company provides a quote based on the submitted data. This eliminates the need for quote forms for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

The only downside to pricing coverage this way is you cannot specify which providers you will receive quotes from. If you would rather choose specific insurance companies to request quotes from, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

The method you choose is up to you, but make sure you compare identical coverage limits with each company. If each company quotes unequal deductibles or liability limits it will be next to impossible to determine which company has the best rates.

Don’t assume everyone needs the same insurance coverage

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether or not you may require specific advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What discounts do I qualify for?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I crash into my own garage door?
  • Should I waive the damage coverage when renting a car?
  • At what point should I drop full coverage?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Liability – This coverage can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as legal defense fees, loss of income, pain and suffering, funeral expenses and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses like doctor visits, X-ray expenses, dental work and funeral costs. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1996 Subaru Legacy.

Since a lot of drivers 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. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like fire damage, a tree branch falling on your vehicle, rock chips in glass, hitting a bird and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Cheaper insurance is a realistic goal

Cost effective 1996 Subaru Legacy insurance can be purchased both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide price quotes online and these regional insurance providers prefer to sell through local independent agents.

Throughout this article, we presented a lot of information how to save on 1996 Subaru Legacy insurance. The key concept to understand is the more times you quote, the higher your chance of finding the cheapest insurance. You may even discover the biggest savings come from the smaller companies. These smaller insurers often have lower car insurance rates on specific markets as compared to the big name companies such as GEICO and State Farm.

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