Compare 2009 Subaru Legacy Insurance Quotes

Trying to find cheaper insurance rates? Buyers have options when searching for the lowest priced Subaru Legacy insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to get rate quotes. There are both good and bad ways to buy insurance so we’re going to tell you the best way to quote coverages for a Subaru and get the lowest price either online or from local insurance agents.

If you have insurance now or need a new policy, you can learn to shop for the lowest rates and possibly find even better coverage. This article will help educate you on the most effective way to quote insurance and some tricks to saving. Vehicle owners just need to learn the proper way to compare price quotes on the web.

Why you might pay inflated rates

Many factors are considered when you quote your car insurance policy. Some factors are common sense like your driving record, although others are more transparent such as whether you are married or your commute time.

The factors shown below are a partial list of the pieces insurance coverage companies consider when setting your premiums.

  • Never let your insurance coverage policy lapse – Driving without insurance is illegal and insurance coverage companies will penalize you for letting your coverage have a gap. And not only will your rates increase, getting caught without coverage could earn you a license revocation or jail time.
  • Vocation impacts premiums – Do you have a high-stress occupation? Jobs such as lawyers, executives and dentists are shown to have higher premium rates due to high stress and lots of time spent at work. Other jobs such as professors, athletes and the unemployed pay the least on Legacy insurance.
  • Cautious drivers pay the best prices – Good drivers have lower premiums than their less careful counterparts. Even one ticket could increase your next policy renewal substantially. Drivers who get license-revoking violations like reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Credit score impact insurance coverage premiums – Credit rating is a big factor in your rate calculation. Drivers who have very good credit scores tend to file fewer claims and have better driving records as compared to drivers with worse credit. So if your credit score leaves room for improvement, you may save money insuring your 2009 Subaru Legacy by repairing your credit.
  • Deter theft and pay less – Choosing a vehicle with anti-theft technology or alarm system can save you some money. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your car from being stolen.
  • Save money by eliminating add-on coverages – There are a ton of add-on coverages that you can buy when buying insurance coverage. Things like replacement cost coverage, better glass coverage, and additional equipment coverage are probably not needed. The coverages may be enticing at first, but now you might not need them so eliminate the coverages to reduce your premium.
  • Save by driving safer vehicles – Safe vehicles can get you lower premiums. Vehicles engineered for safety protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If the Subaru Legacy earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Physical damage deductibles – Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Subaru. Some instances where coverage would apply are a windshield shattered by a rock, flood damage, and windstorm damage. Comp and collision deductibles define the amount the insured will be required to pay if a claim is determined to be covered. The more damage repair cost you have to pay, the bigger discount you will receive on Legacy insurance.

The method we recommend to compare insurance rates from multiple companies takes advantage of the fact auto insurance companies participate in a system to quote your coverage. All you need to do is provide the companies a bit of rating information including if you lease or own, your education level, the ages of drivers, and whether you have decent credit. That information is then sent to insurance carriers in your area and they return quotes very quickly.

Can you really save if you switch?

Consumers can’t escape the ads that claim the cheapest rates from companies such as State Farm and Allstate. All the companies state the claim about saving some big amount if you get a free insurance coverage quote and switch your coverage.

But how can every company give you a better price? Just pay attention to how they say it.

Auto insurance companies quote their cheapest rates for the right customer that earns them the highest profit. For instance, a driver they prefer could possibly be between the ages of 30 and 45, has a clean driving record, and has a short commute. A customer that hits that “sweet spot” receives the best rates and will save a lot of money.

Potential customers who fall short of the ideal profile will be quoted a higher rate and the customer buying from a different company. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” save that much. That’s the way companies can truthfully make claims like that. This really drives home the point why it is so important to get insurance coverage quotes from several different companies. You cannot predict the company that will give you the biggest savings.

Car insurance discounts are available to lower your rates

Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that may help make it more affordable. Many discounts should be triggered at quote time, but some discounts are required to be requested specifically before they will apply.

  • Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Multi-policy Discount – When you combine your auto and home insurance and insure them with the same company you could earn a discount of up to 20% and get you inexpensive insurance coverage.
  • Homeowners Pay Less – Owning a house can get you a discount due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save a little on the medical payments or PIP coverage costs.
  • Full Payment Discount – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works.

To see companies that offer some of these discounts, click here.

Everyone needs different car insurance coverages

When choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can help discover whether you could use an agent’s help.

  • Do I need to file an SR-22 for a DUI in my state?
  • Are my friends covered when driving my 2009 Subaru Legacy?
  • Why am I required to buy high-risk coverage?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Should I carry comprehensive and collision coverage?
  • How much can I save by bundling my policies?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Specific coverage details

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Subaru Legacy.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability insurance

This can cover injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as legal defense fees, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This coverage pays for damage to your Legacy resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as prosthetic devices, doctor visits, pain medications and dental work. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive auto coverage

This covers 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 insurance covers claims like theft, falling objects, hail damage, damage from flooding and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be a penny pincher

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability limits or collision coverage and found out when filing a claim that it was a big mistake. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Affordable 2009 Subaru Legacy insurance is possible both online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide online rate quotes and usually these smaller providers sell through independent insurance agents.

People leave their current company for any number of reasons including unfair underwriting practices, lack of trust in their agent, not issuing a premium refund or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company can be easier than you think.

Helpful articles