View 1999 Subaru Legacy Car Insurance Quotes

Trying to find cheaper insurance rates for your Subaru Legacy? No one fancies paying their premiums for insurance, in particular when they could find lower prices if they just compared rates. There is such a variety of car insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to compare rates and cut insurance costs.

The purpose of this article is to help you learn how to get online quotes. If you are paying for car insurance now, you will be able to save some money using this information. Drivers just need to know the most effective way to compare prices online.

Subaru Legacy insurance premiums can be reduced

Consumers need to have an understanding of some of the elements that help calculate your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that could result in better insurance coverage rates. Many different elements are taken into consideration when premium rates are determined. Some are pretty understandable such as traffic violations, but some are more obscure like where you live or your commute time.

The factors shown below are some of the items utilized by car insurance companies to help set your rates.

  • Buy a safe car and pay less – Cars with five star safety ratings tend to have lower insurance rates. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less passed on to you as lower rates. If your Subaru has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Stay claim-free and reduce premiums – Companies give most affordable rates to policyholders who are claim-free. If you frequently file small claims, you can definitely plan on higher rates. Auto insurance is designed for claims that pose a financial burden.
  • City traffic equals higher prices – Choosing to live in a rural area has definite advantages if you are looking for the lowest rates. Residents of big cities have much more traffic and much longer commute distances. Less people translates into fewer accident claims and a lower car theft rate.
  • Theft deterrents save – Buying a car with an alarm system can earn a premium discount. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.
  • Males are more aggressive – Statistics have proven women tend to be less risk to insure than men. It does not mean men are WORSE drivers than women. Women and men have at-fault accidents at a similar rate, but males tend to have higher claims. Men also tend to receive more costly citations like driving under the influence (DUI).
  • Drive less and get lower rates – The more you drive your Subaru in a year’s time the higher your rates will be. Many insurance companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use receive lower rates than those used for commuting. Double check that your policy properly reflects the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your Legacy may be costing you.
  • Don’t get traffic citations – Whether or not you get tickets influences premium rates substantially. Careful drivers pay lower auto insurance prices compared to bad drivers. Even a single speeding ticket or other violation can boost insurance rates forty percent or more. Drivers with multiple violations like DWI, reckless driving or hit and run convictions are required to prove financial responsibility to the state department of motor vehicles in order to legally drive.
  • Poor credit can mean higher premiums – A driver’s credit rating is likely to be a major factor in determining premium rates. Therefore, if your credit history is lower than you’d like, you could pay less to insure your 1999 Subaru Legacy by repairing your credit. Consumers who have very high credit ratings tend to file fewer claims and have better driving records than those with bad credit.

The method we recommend to compare policy rates takes advantage of the fact most of the larger companies allow for online access to give free rates quotes. All you need to do is provide a little information like whether you are single or married, how old drivers are, how much education you have, and whether you drive to work or school. That rating data is instantly submitted to multiple different insurance companies and they return quotes within a short period of time.

Be skeptical of auto insurance ads

Consumers can’t avoid all the ads for cheaper auto insurance by State Farm, Allstate and GEICO. All the ads seem to make the promise about savings if you move your coverage to them.

How can each company charge you a lower premium? This is how they do it.

All companies quote their best rates for the right customer that will be a good risk. An example of a profitable insured may need to be over the age of 50, carries high limits, and has a high credit rating. Any person that hits that “sweet spot” will probably get cheap rates and most likely will cut their rates substantially.

Drivers who don’t qualify for these stringent criteria will be quoted higher premium rates and this results in business going elsewhere. The ads state “customers who switch” not “everyone who quotes” save that much. That is how insurance companies can confidently make claims like that.

This really drives home the point why you absolutely need to quote coverage with many companies. It is impossible to guess the company that will have the lowest rates for your situation.

Save money by taking advantage of discounts

Companies that sell car insurance don’t always publicize all possible discounts in an easy-to-find place, so the list below gives a summary of a few of the more well known and also the lesser-known credits available to bring down your rates. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Distant College Student Discount – who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.
  • Senior Citizen Rates – Older drivers could receive a slight reduction on a auto insurance quote for Legacy insurance.
  • Telematics Data – Drivers who agree to allow companies to spy on vehicle usage by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as the data is positive.
  • Claim-Free Discount – Drivers who stay claim-free pay less as opposed to bad drivers.
  • Payment Method – By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.

A quick disclaimer, most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, companies don’t profit that way. But any discount will cut the amount you have to pay.

Popular car insurance companies and some of their more popular discounts are shown below.

  • State Farm may include discounts for anti-theft, student away at school, passive restraint, defensive driving training, driver’s education, and good student.
  • Progressive includes discounts for multi-policy, multi-vehicle, online quote discount, homeowner, good student, continuous coverage, and online signing.
  • Travelers may have discounts that include new car, IntelliDrive, home ownership, payment discounts, good student, and driver training.
  • American Family may offer discounts for air bags, good student, good driver, TimeAway discount, and early bird.
  • Liberty Mutual offers discounts including newly retired, new vehicle discount, new move discount, hybrid vehicle, safety features, and good student.

It’s a good idea to ask all the companies the best way to save money. Some of the earlier mentioned discounts might not apply in your area. If you would like to choose from a list of providers that offer discounts, click here.

How much insurance do I need?

When it comes to choosing coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • Is my state a no-fault state?
  • What is an SR-22 filing?
  • Why am I required to get a high-risk car insurance policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I rent a car in Mexico?
  • Am I insured when driving a different vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Are my friends covered when driving my 1999 Subaru Legacy?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance specifics

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Collision coverage protection

This pays for damage to your Legacy from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

This coverage 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 such as a broken windshield, rock chips in glass, damage from a tornado or hurricane, theft and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses such as chiropractic care, hospital visits, ambulance fees and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Subaru Legacy.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages

This coverage provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things like repair bills for other people’s vehicles, medical services, attorney fees, medical expenses and court costs. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

More comparisons equals lower rates

We covered a lot of ways to save on 1999 Subaru Legacy insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive auto insurance. Consumers may even find the best auto insurance rates are with an unexpected company. Regional companies can often provide lower premium rates in certain areas compared to the large companies like State Farm and Allstate.

When getting auto insurance quotes online, never skimp on critical coverages to save a buck or two. There are too many instances where someone dropped collision coverage only to find out that they should have had better coverage. Your goal should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

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