2010 Subaru Legacy Car Insurance Rates – 10 Tips for Cheaper Quotes

Want the cheapest auto insurance rates for your Subaru Legacy? Finding low cost rates on auto insurance can be hard for drivers who are new to online comparison shopping. Drivers have so many companies to choose from that it can quickly become a big hassle to compare rates.

Ten discounts to earn cheaper insurance coverage rates

Auto insurance companies don’t always list the complete list of policy discounts very well, so we researched both the well known as well as the least known discounts that you can inquire about if you buy insurance online.

  • Multi-policy Discount – If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
  • Lower Rates for Military – Being on active duty in the military can result in better premium rates.
  • Memberships – Having an affiliation with specific professional or occupational memberships or organizations could trigger savings on your policy.
  • Theft Prevention Discount – Cars and trucks with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Accident Free – Insureds who avoid accidents and claims get the best insurance coverage rates when compared to policyholders that have many claims.
  • Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Paper-free Discount – Some insurance coverage companies may give you up to $50 simply for signing on the web.
  • Auto/Life Discount – Some insurance carriers give a discount if you purchase a life insurance policy as well.
  • Homeowners Pay Less – Owning a home can save you money because owning a home is proof of financial responsibility.

Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, insurance coverage companies aren’t that generous. But any discount will reduce the cost of your policy.

Larger insurance coverage companies and some of their more popular discounts are included below.

  • Farm Bureau includes discounts for driver training, good student, safe driver, youthful driver, renewal discount, multi-vehicle, and multi-policy.
  • Liberty Mutual policyholders can earn discounts including teen driver discount, multi-policy, multi-car, new graduate, newly married, new vehicle discount, and safety features.
  • State Farm has discounts for safe vehicle, defensive driving training, student away at school, passive restraint, Drive Safe & Save, and multiple autos.
  • Auto-Owners Insurance offers discounts including multiple vehicles, mature driver, anti-theft, safe vehicle, and multi-policy.
  • GEICO discounts include daytime running lights, military active duty, air bags, membership and employees, defensive driver, multi-policy, and anti-lock brakes.
  • SAFECO has savings for anti-theft, safe driver, anti-lock brakes, teen safety rewards, multi-car, homeowner, and teen safe driver.

If you want cheap insurance quotes, ask all companies you are considering how many discounts you can get. Depending on the company, some discounts may not apply in your area.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Does my insurance cover a custom paint job?
  • Is rental equipment covered for theft or damage?
  • Why does it cost so much to insure a teen driver?
  • Will my insurance pay for OEM parts?
  • Is pleasure use cheaper than using my 2010 Subaru Legacy to commute?
  • What is UM/UIM insurance?
  • Why am I required to buy liability insurance?
  • What is PIP insurance?
  • What if I total my 2010 Subaru Legacy and owe more than it’s worth?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Don’t listen to company ads

Popular insurance coverage providers such as 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. They all seem to convey the message that you’ll save big just by switching your policy. How do they all claim to save you money? Here is the trick they use.

Insurance coverage companies have a preferred profile for the driver that will most likely be profitable. An example of a desirable risk may be a married male, has no prior claims, and insures a new vehicle. Any customer who matches that profile gets the lowest rates and will also save a lot if they switch.

Consumers who fall short of the ideal profile will be charged higher prices and this results in the customer buying from someone else. The ad wording is “customers that switch” but not “everyone who gets a quote” save that much money. That is how insurance companies can confidently make the claims of big savings. This emphasizes why it’s extremely important to do a quote comparison often. It is impossible to guess which company will have better prices than you’re paying now.

Insurance policy coverages for a 2010 Subaru Legacy

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage protection

Collision insurance covers damage to your Legacy resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Subaru Legacy.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverages

This protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like legal defense fees, bail bonds, medical expenses and pain and suffering. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, X-ray expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, theft, a broken windshield, hitting a deer and damage from flooding. The highest 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.

Quote more, save more

Discount 2010 Subaru Legacy insurance is attainable from both online companies and also from your neighborhood agents, so you need to quote insurance with both to have the best chance of lowering rates. There are still a few companies who may not provide internet price quotes and usually these small insurance companies work with independent agencies.

Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, denial of a claim, policy non-renewal and policy cancellation. Whatever your reason, choosing a new company can be pretty painless.

We just covered some good ideas how to compare 2010 Subaru Legacy insurance premium rates online. The key thing to remember is the more times you quote, the higher your chance of finding cheaper insurance. Consumers could even find that the most savings is with the smaller companies.

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