Cheap 1997 Subaru Legacy Insurance Rates

Searching for cheaper car insurance rates for your Subaru Legacy? No car owner gets a kick out of paying for car insurance, especially when they are aware that the price is too high. With so many different company options, it can be impossible to find the lowest cost insurer.

You need to shop coverage around at least once a year because prices are rarely the same from one policy term to another. Just because you had the best rate on Legacy coverage on your last policy the chances are good that you can find a lower premium rate today. Ignore everything you know about car insurance because it’s time to teach you the things you must know in order to find lower rates on car insurance.

Subaru Legacy insurance rate factors

Lots of things are used when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but other criteria are less apparent such as your marital status or how safe your car is.

  • Discounts for married couples – Walking down the aisle can actually save you money compared to being single. Having a spouse means you’re more mature and it’s proven that married couples file fewer claims.
  • Accidents inflate rates – Just one chargable violation may cause rates to rise substantially. Drivers who don’t get tickets get better rates than bad drivers. Drivers who have received dangerous citations like hit and run, DWI or reckless driving convictions might be required by their state to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Are you male or female? – The statistics show that women are safer drivers than men. The data does not necessarily mean that females are better drivers. Males and females are in fender benders in similar percentages, but the male of the species have costlier accidents. Men also tend to get ticketed for serious violations such as DWI and reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage and thus pay the highest rates.
  • Vehicles with better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce occupant injuries and fewer injuries means your insurance company pays less which can mean better rates for you.
  • Teenagers vs. older drivers – Drivers with little experience are proven to be inattentive when behind the wheel and because of this, their insurance coverage rates are much higher. Older, more experienced drivers tend to be more responsible, are lower risk to insure and are safer drivers.

Earn discounts on auto insurance

Auto insurance is easily one of your largest bills, but there’s a good chance there are discounts that could help you make your next renewal payment. Many discounts should be triggered when you complete an application, but some must be asked for before you will receive the discount.

  • Senior Citizen Discount – Older drivers may be able to get a small decrease in premiums on Legacy coverage.
  • Multi-car Discount – Buying insurance for several vehicles with the same company qualifies for this discount.
  • Multi-line Discount – Not all auto insurance companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
  • Defensive Driver Discounts – Taking a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies allow you one accident before raising your premiums if you have no claims before the accident.

As a sidenote, some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A list of auto insurance companies and a summarized list of policyholder discounts are outlined below.

  • Progressive offers discounts including multi-vehicle, online quote discount, multi-policy, good student, online signing, and homeowner.
  • Farmers Insurance includes discounts for early shopping, alternative fuel, teen driver, switch companies, distant student, electronic funds transfer, and homeowner.
  • Farm Bureau has discounts for 55 and retired, good student, multi-policy, renewal discount, driver training, and youthful driver.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, anti-theft, multiple autos, Drive Safe & Save, defensive driving training, good driver, and driver’s education.
  • GEICO has savings for defensive driver, multi-vehicle, anti-theft, good student, daytime running lights, and membership and employees.
  • SAFECO offers discounts for homeowner, teen safety rewards, bundle discounts, teen safe driver, and safe driver.
  • Liberty Mutual offers premium reductions for hybrid vehicle, multi-policy, safety features, exclusive group savings, and newly married.

It’s a good idea to ask each company which discounts can lower your rates. Discounts might not be offered everywhere. To view insurance companies offering auto insurance discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

  • Is my dog or cat covered if injured in an accident?
  • What happens if I owe more than my 1997 Subaru Legacy is worth?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I have coverage when making deliveries for my home business?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Insurance coverage basics

Understanding the coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru Legacy.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, pain and suffering, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, dental work and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, fire damage, hail damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage covers damage to your Legacy caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Keep this in mind

There are still a few companies who may not provide online price quotes and usually these regional carriers prefer to sell through independent agents. Cheap 1997 Subaru Legacy insurance can be purchased online and from local agencies, and you should compare rates from both in order to have the best price selection to choose from.

When you buy insurance coverage online, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability limits or collision coverage only to discover later that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

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