View 2012 Subaru Legacy Car Insurance Rates

Are you burned out from scraping nickels together to keep your car insured? You have the same problem as the majority of other consumers.

Popular companies such as GEICO and Progressive continually bombard you with fancy advertisements and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

If you are paying for car insurance now, you should be able to save some money using these techniques. Choosing the best insurance company for you is quite easy. But car owners benefit from understanding how insurance companies price online insurance and use this information to your advantage.

How to buy insurance coverage online

Effectively comparing insurance coverage prices can take time and effort if you don’t know the easiest way. You could waste a few hours talking about coverages with insurance agencies in your area, or you could save time and use online quotes to achieve your goal.

Most of the best insurance companies belong to an insurance system where prospective buyers enter their policy data once, and at least one company provides a quote based on that data. This saves time by eliminating quotation requests to each individual insurance coverage company.

To find out how much you can save on insurance coverage click here (opens in new window).

The one downside to pricing coverage this way is you cannot specify the providers to get pricing from. So if you want to choose individual companies to compare rates, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you are using nearly identical coverages and limits on every quote. If you have different limits and deductibles on each one it’s impossible to make a fair comparison for your Subaru Legacy. Just a small difference in coverages may result in large price differences. And when quoting insurance coverage, remember that comparing more company’s prices helps you find a better price.

Advertising myths

Insurance coverage providers like State Farm, GEICO and Progressive regularly use ads in print and on television. All the ads make the point about savings just by moving your policy. How does every insurance coverage company have lower policy pricing? It’s all in the words they use.

Companies quote their best rates for the type of driver that makes them money. For instance, this type of driver might be described as over the age of 45, has no driving citations, and the vehicle is rated for pleasure use. Any driver that meets those criteria will probably get cheap prices as well as save a lot of money.

Consumers who don’t meet the “perfect” profile will be charged higher premiums with the end result being the customer not purchasing. The trick is to say “customers that switch” not “everybody who quotes” will save that much if they switch. That is how insurance companies can confidently make those statements. Because of this risk profiling, you absolutely need to compare free insurance coverage quotes often. Because without a comparison, you cannot know which insurance companies will give you the biggest savings.

Are you receiving every discount?

Companies don’t list every policy discount in a way that’s easy to find, so we break down some of the more common and the more hidden discounts you could be receiving when you buy insurance coverage online.

  • Discount for Low Mileage – Fewer annual miles on your Subaru can qualify you for lower auto insurancerates on the low mileage vehicles.
  • Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote for Legacy insurance than their less cautious counterparts.
  • Early Switch Discount – A few auto insurance companies offer discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Senior Citizen Rates – Seniors are able to get a small discount on rates for Legacy insurance.
  • Clubs and Organizations – Being a member of a civic or occupational organization can get you a small discount on your policy.
  • Discounts for Federal Employees – Federal government employees may qualify for a discount when you quote insurance coverage for Legacy insurance with some auto insurance companies.
  • Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
  • Discount for Life Insurance – Larger insurance companies have a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Payment Method – By paying your entire bill at once as opposed to paying monthly you may reduce your total bill.
  • Use Seat Belts – Drivers who require all vehicle occupants to use a seat belt could save 15% off the medical payments premium.

As a footnote on discounts, most discounts do not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way.

To see auto insurance companies with discount rates, click here to view.

When in doubt talk to an agent

When buying the right insurance coverage, there is no one size fits all plan. Every situation is different and your policy should reflect that. For instance, these questions could help you determine if you may require specific advice.

  • Can my babysitter drive my car?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much liability coverage do I need in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is high-risk coverage and where do I buy it?
  • Do I need rental car coverage?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Car insurance 101

Knowing the specifics of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Liability coverages

This can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like court costs, bail bonds and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Legacy.

Since many drivers 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 very important.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, colliding with a tree, backing into a parked car, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like pain medications, ambulance fees, EMT expenses and hospital visits. 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 both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hitting a deer, hitting a bird and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Shop around and save

You just read a lot of information how to save on 2012 Subaru Legacy insurance. It’s most important to understand that the more times you quote, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the best price on auto insurance is with some of the smallest insurance companies. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

When you buy insurance coverage online, do not reduce needed coverages to save money. In many instances, someone dropped comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your objective should be to purchase plenty of coverage for the lowest cost while still protecting your assets.

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