Compare 2003 Subaru Legacy Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your Subaru Legacy? I really doubt anyone likes having to buy insurance coverage, particularly when the prices are way too high.

Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a provider and get the definite lowest price

It’s important to get comparison quotes periodically due to the fact that insurance prices are usually higher with each renewal. Even if you think you had the best quotes on Legacy insurance six months ago you can probably find a better rate now. You can find a lot of wrong information about insurance coverage on the internet, but by reading this article, you’re going to learn some great ideas on how to save money.

Subaru Legacy insurance rates can be reduced

When buying insurance coverage it’s important to understand some of the things that aid in calculating insurance coverage rates. If you know what controls the rates you pay, this enables you to make decisions that can help you get better insurance coverage rates. Many different elements are considered when you get your auto insurance bill. Some are obvious such as traffic violations, but other factors are less obvious such as your credit history or your financial responsibility.

  • Bump up comp and collision deductibles to lower rates – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Subaru. Some examples of covered claims would be a dented fender, hail damage, or theft. The deductibles state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The more money you’re willing to pay, the less your company will charge you for insurance on Legacy insurance.
  • Save money by having multiple policies – Most insurance coverage companies afford better rates to policyholders that buy multiple policies in the form of a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible. Consumers may find a better deal by insuring with multiple companies.
  • Don’t abuse insurance coverage claims – Auto insurance companies generally give cheaper rates to drivers who file claims infrequently. If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Women tend to cost less – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that women are BETTER drivers than men. They both cause accidents in similar numbers, but males get into accidents with more damage. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI). Young males are the most expensive to insure so they pay the highest premiums.
  • Buy a safe car and pay less – Cars with five star safety ratings can get you lower premiums. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less and cheaper rates on your policy. If your Subaru Legacy earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Quote insurance online

To find cheaper insurance coverage quotes, there are several ways of comparing price quotes from insurance companies in your area. The easiest way to find competitive 2003 Subaru Legacy insurance rates is to use the internet to compare rates. This is quite simple and can be completed by using one of the methods below.

  1. The most recommended method consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for separate forms for each company. One simple form gets coverage cost estimates instantly.
  2. A more time consuming way to find lower rates consists of going to each individual company website and go through the quote process again. For sake of this example, let’s assume you want to compare prices for Farmers, Safeco and Liberty Mutual. In order to get each rate, you would have to go to each individual site to enter the same coverage data repeatedly, which is not fast way to get rate quotes.

    To view a list of companies in your area, click here.

Whichever way you choose to compare rates, try to keep the same information for every company. If the quotes have mixed coverages you can’t possibly determine which company has the best rates. Just slight variations in coverages may result in a large different in cost. Just keep in mind that comparing a wide range of rates helps locate a lower rate. Some smaller insurers to not give quotes online, so it’s important to also get rates on coverage from those companies, too.

The ad said I’d save $438 a year!

Popular insurance coverage providers such as State Farm and Allstate regularly use ads on television and other media. They all advertise claims that you’ll save big if you just switch your coverage to them. How do they all give you a better price? It’s all in the words they use.

Most companies have underwriting criteria for the type of insured that earns them the highest profit. For instance, a driver they prefer might be over age 30, has never had a claim, and insures a new vehicle. Any new insured that hits that “sweet spot” may get the lowest prices and will save when switching.

Drivers who fall outside those criteria will be charged a higher rate which translates to business not being written. The trick companies use is to say “drivers who switch” not “everybody who quotes” save that much. That is how insurance companies can confidently claim big savings. This illustrates why it is so important to get as many free insurance coverage quotes as possible. You cannot predict the company that will have the lowest rates.

Take policy discounts and save

Companies offering auto insurance don’t always list all available discounts very well, so the list below gives a summary of some of the more common as well as the least known ways to save on auto insurance.

  • Professional Memberships – Being a member of qualifying clubs or civic groups may earn a discount when shopping for auto insurance.
  • Discount for New Cars – Putting auto insurance coverage on a new car is cheaper because newer models have to meet stringent safety requirements.
  • Include Life Insurance and Save – Larger auto insurance companies have a discount if you purchase auto and life insurance together.
  • Discounts for Good Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on Legacy insurance than their less cautious counterparts.
  • Military Discounts – Having an actively deployed family member could mean lower rates.
  • Employee of Federal Government – Active or former government employment may reduce rates when you quote insurance coverage on Legacy insurance with a few auto insurance companies.
  • Low Mileage Discounts – Maintaining low annual mileage could qualify for cheaper premium rates.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, companies don’t profit that way.

For a list of auto insurance companies who offer discounts, follow this link.

Which policy gives me the best coverage?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine if your situation may require specific advice.

  • What are the best liability limits?
  • Is a new car covered when I drive it off the dealer lot?
  • Does coverage extend to my business vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Are my tools covered if they get stolen from my vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How can I get high-risk coverage after a DUI?
  • Does having multiple vehicles earn me a discount?
  • Will filing a claim cost me more?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Specific coverages for a 2003 Subaru Legacy

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, falling objects, rock chips in glass, damage from a tornado or hurricane and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for things like dental work, chiropractic care, funeral costs, hospital visits and EMT expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Coverage for collisions

Collision insurance pays for damage to your Legacy caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Liability coverage

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims. 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. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims such as loss of income, structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Cheaper insurance is a realistic goal

As you quote insurance coverage, do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later that the small savings ended up costing them much more. The goal is to buy a smart amount of coverage for the lowest cost.

More affordable auto insurance is available on the web and also from your neighborhood agents, so get free insurance coverage quotes from both of them in order to have the best chance of saving money. A few companies may not offer rate quotes online and most of the time these small, regional companies only sell through independent agents.

We just presented quite a bit of information on how to save on 2003 Subaru Legacy insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with a lesser-known regional company. These companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

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