Cheap 2013 Subaru Legacy Insurance Rates

Are you irritated from wondering where the money will come from to pay high car insurance rates every month? You are no different than most other people. People have many insurance companies to insure vehicles with, and although it’s nice to have a selection, it makes it harder to locate the cheapest rates.

Buy insurance coverage online

There are several ways to compare insurance coverage quotes, and some are easier and takes less work. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you can utilize the web to get prices fast.

Most of the best insurance companies take part in a program that allows shoppers to submit one quote, and each participating company returns a rated price for coverage. This eliminates the need for quote requests for each company you want a rate for.

To participate in this free quote system, click to open in new window.

The one disadvantage to doing it this way is buyers cannot specifically choose which carriers to get pricing from. If you prefer to choose specific insurance companies to compare, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just compare the exact same coverage data with every price quote. If you enter unequal deductibles or liability limits it will be very difficult to make a fair rate comparison.

These discounts can lower your insurance quotes

Some insurance providers don’t always list every possible discount very well, so the following list contains both the well known as well as the least known credits available to you.

  • Good Student Discount – Getting good grades could provide a savings of up to 20% or more. This discount can apply until age 25.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper since new model year vehicles have better safety ratings.
  • Responsible Drivers – Drivers who avoid accidents can save as much as half off their rates for Legacy insurance than drivers with accident claims.
  • College Student Discount – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.
  • Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you better insurancerates if you take out a life policy as well.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and the ABS can save up to 10%.
  • Early Renewal Discounts – Some companies provide a discount for buying a policy prior to your current policy expiration. This discount can save up to 10%.

A quick disclaimer, most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. Despite the appearance that you could get a free insurance policy, it doesn’t quite work that way.

A few popular companies and a partial list of their discounts are shown below.

  • Farmers Insurance discounts include distant student, early shopping, youthful driver, bundle discounts, pay in full, electronic funds transfer, and mature driver.
  • State Farm has savings for accident-free, good student, student away at school, multiple policy, and anti-theft.
  • Liberty Mutual offers discounts including multi-car, new move discount, good student, hybrid vehicle, and multi-policy.
  • MetLife may offer discounts for multi-policy, defensive driver, accident-free, claim-free, and good student.
  • Progressive may have discounts that include online signing, multi-policy, multi-vehicle, good student, and homeowner.

When quoting, ask every prospective company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in every state. To view providers that offer discounts, click this link.

Different people need different car insurance coverages

When choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions might point out whether you would benefit from professional advice.

  • How can I get my company to pay me more for my totalled car?
  • Is my 2013 Subaru Legacy covered for flood damage?
  • How can I force my company to pay a claim?
  • How high should my medical payments coverage be?
  • Am I covered when driving a rental car?
  • Is my ex-spouse still covered by my policy?
  • Is my babysitter covered when using my vehicle?
  • Will filing a claim cost me more?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Seven tips to get cheaper insurance costs

Multiple criteria are used when premium rates are determined. A few of the factors are predictable like a motor vehicle report, but some are not as apparent such as whether you are married or your financial responsibility.A large part of saving on insurance is knowing the rating factors that play a part in calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this allows you to make good choices that may result in lower rates.

  • Insurance rates for married couples – Having a spouse actually saves money on your insurance policy. It means you’re more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Cars with good safety ratings means cheaper insurance – Cars with five star safety ratings cost less to insure. Highly rated vehicles reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and lower rates for you.
  • Your car’s features help determine prices – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Save miles and save money – The higher the miles on your Subaru every year the higher the price you pay to insure it. Almost all companies charge rates based upon how you use the vehicle. Autos left parked in the garage receive better premium rates than vehicles that are driven to work every day. Improper usage on your Legacy can cost quite a bit. Make sure your insurance declarations sheet reflects the correct driver usage, because improper ratings can cost you money.
  • Tickets can increase costs – Even a single citation may increase your cost forty percent or more. Drivers with clean records pay lower auto insurance prices as compared to those with violations. People who have dangerous tickets like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • How many coverages with the same company – The majority of insurance companies will award lower prices to buyers that have more than one policy in the form of a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to get quotes from other companies to help guarantee you have the best rates.
  • Your location is important – Residing in less populated areas of the country may provide you with better prices if you are looking for the lowest rates. Lower population translates into fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities tend to have more aggressive driving styles and more severe claims. Longer commute distances means more chance of being in an accident.

Switch companies and save? Really?

Consumers get pounded daily by advertisements that claim the cheapest car insurance rates from companies such as Progressive, Allstate and GEICO. They all say the same thing about savings just by moving your auto insurance policy to them.

How is it plausible that every one can make the same claim? This is the way they can do it.

Many companies give the best rates for the right customer that will not have excessive claims. An example of a profitable risk profile may be over the age of 45, has never had a policy lapse, and the vehicle is rated for pleasure use. Anybody that hits that “sweet spot” receives the best prices and will most likely pay quite a bit less when switching companies.

Potential insureds who do not fit these standards will get a higher premium which leads to business not being written. The wording the ads use say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. This is how insurance companies can lure you into getting a quote.

Because of these techniques, drivers should compare many company’s rates. It’s just too difficult to predict the company that will provide you with the cheapest prices.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most car insurance policies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills for pain medications, prosthetic devices and surgery. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Auto liability insurance

This coverage will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like pain and suffering, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, hail damage and damage from flooding. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2013 Subaru Legacy.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Online plus local equals savings

We covered some good ideas how you can save on 2013 Subaru Legacy insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even discover the biggest savings come from a smaller regional carrier. These companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate and Progressive.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at the best cost.

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