Cheap 2008 Subaru Legacy Car Insurance Rates

Looking for better insurance rates for your Subaru Legacy? Overpriced Subaru Legacy insurance can drain your savings and force you to make tough financial choices. Doing a rate comparison can lower your rates and help to reduce premiums and put more money in your pocket.

Having so many options when it comes to insurance, it is hard for the average consumer to choose the lowest price insurance company.

You should take the time to compare rates occasionally since insurance prices are usually higher with each renewal. Even if you got the best price for Legacy coverage last year a different company probably has better rate quotes today. Ignore everything you know about insurance because we’re going to show you one of the easiest ways to properly buy coverages and cut your premium.

Buy auto insurance online

Lowering your 2008 Subaru Legacy auto insurance rates can be relatively painless. All you need to do is take the time to compare rate quotes to discover which company has cheap car insurance quotes. Comparing prices online can be done in just a few minutes using one of these methods.

1. The easiest and least time consuming way to find low rates is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for multiple quote forms for each company. Taking the time to complete one form will return price quotes direct from many companies.
2. A slightly less efficient method to get quotes online is spending the time to visit the website for each individual company and get a separate price quote. For example, let’s say you want to compare rates from Nationwide, Esurance and Progressive. You would be required to take the time to go to each site and enter your policy data, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

Whichever method you choose, double check that you are using identical information with every price quote. If you have higher or lower deductibles it will be impossible to make a fair comparison for your Subaru Legacy.

Lower rate quotes with these discounts

Insurance coverage is not inexpensive, but you might already qualify for some discounts that may help make it more affordable. Certain discounts will be triggered automatically when you quote, but occassionally some discounts must be asked for before being credited.

• Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction for Legacy coverage but check with your company.
• Claim-Free Discount – Drivers who don’t have accidents can save substantially in comparison to drivers with a long claim history.
• Bundle and Save – If you combine your home and auto policies and place coverage with the same company they may give you a discount of 10% to 20% off each policy.
• Professional Organizations – Being in qualifying employment or professional organizations can get you a small discount when getting a car insurance quote.
• Renewal Discounts – A few companies offer discounts for switching to them prior to your current policy expiration. You can save around 10% with this discount.
• Homeowners Discount – Owning a house can get you a discount because of the fact that having a home shows financial diligence.
• No Charge for an Accident – but some companies like Progressive and Allstate will allow you to have one accident before hitting you with a surcharge so long as you are claim-free for a set time period.
• E-sign Discounts – A handful of companies may give you up to $50 simply for signing digitally online.

Remember that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. Any amount of discount should help lower the amount you pay for coverage.

Larger insurance coverage companies and a partial list of their discounts are detailed below.

• GEICO includes discounts for federal employee, defensive driver, seat belt use, emergency military deployment, and good student.
• USAA policyholders can earn discounts including multi-vehicle, defensive driver, multi-policy, new vehicle, and safe driver.
• Progressive offers discounts including good student, online signing, homeowner, multi-policy, and multi-vehicle.
• American Family discounts include Steer into Savings, bundled insurance, mySafetyValet, accident-free, and defensive driver.
• Esurance may have discounts that include online quote, Pac-12 alumni, good driver, multi-policy, multi-car, renters, and Switch & Save.
• Farmers Insurance offers discounts for business and professional, alternative fuel, mature driver, pay in full, distant student, good student, and early shopping.
• State Farm has savings for anti-theft, Drive Safe & Save, passive restraint, good driver, safe vehicle, and multiple autos.

When comparing rates, check with each insurance company which credits you are entitled to. Savings might not apply in every state.

Auto insurance can be complex

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

• Can I pay claims out-of-pocket if I buy high deductibles?
• Should I bundle my homeowners policy with my auto?
• What if I total my 2008 Subaru Legacy and owe more than it’s worth?
• Can I afford low physical damage deductibles?
• Do I need PIP (personal injury protection) coverage in my state?
• Does insurance cover damages from a DUI accident?
• When should my teen driver be added to my policy?
• Who is covered when they drive my 2008 Subaru Legacy?
• When can I cancel my policy?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Parts of your auto insurance policy

Learning about specific coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.

Collision coverage – This coverage will pay to fix damage to your Legacy resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, rolling your car, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Liability coverages – Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people, 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. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical services, attorney fees, bail bonds and structural damage. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, fire damage, vandalism and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like chiropractic care, funeral costs, prosthetic devices, pain medications and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your 2008 Subaru Legacy.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.