2014 Subaru Legacy Car Insurance Rates

Searching for lower insurance rates for your Subaru Legacy? Did you come to the realization that you have high-priced insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance.

Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a provider to discover the definitive best price available.

Smart consumers take time to compare rates every six months because prices are usually higher with each renewal. If you had the lowest rates on Legacy insurance at your last renewal a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance because you’re about to find out the best methods to eliminate unnecessary coverages and save money.

Low cost auto insurance quotes online

When shopping for cheap insurance coverage quotes, there are a couple of ways to get quotes from many available auto insurance companies in your state. The best way to compare 2014 Subaru Legacy insurance prices is to jump online and get quotes. It’s really quite simple and can be done in just a few minutes using one of these methods.

  • Hands down the most simple method to get the best comparison quotes is a comparison rater form (click to open form in new window). This method eliminates the need for separate quote forms for every company. A single, simple form gets prices estimates from multiple companies.
  • A less efficient way to obtain and compare quotes online is spending the time to visit the website for each individual company and fill out a new quote form. For instance, let’s assume you want to get rates from GEICO, Safeco and Allstate. In order to compare rates, you need to spend time going to each site individually to enter your coverage information, which can get old fast.

    For a list of companies in your area, click here.

How you compare quotes is your choice, just try to keep apples-to-apples quote data for each comparison quote. If the quotes have mixed coverages then you won’t be able to find the best deal for your Subaru Legacy. Quoting even small variations in coverage limits could mean much higher rates. And when comparing auto insurance rates, know that comparing all the rates in your area will improve the odds of getting the best rates. Some companies don’t provide online rate quotes, so you need to compare price estimates from the smaller companies as well.

These discounts can lower your insurance coverage rates

Companies offering auto insurance don’t list the entire discount list very clearly, so we break down some of the more common and also the lesser-known discounts you could be receiving when you buy insurance coverage online.

  • Onboard Data Collection – Drivers who elect to allow driving data submission to look at driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some companies like State Farm and Progressive allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Cautious Drivers – Safe drivers could pay up to 40% less on Legacy insurance than less cautious drivers.
  • Senior Discount – Drivers that qualify as senior citizens may qualify for lower premium rates on Legacy insurance.
  • Online Discount – A few companies will discount your bill up to fifty bucks get insurance coverage on the internet.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% on medical payment and PIP coverage.
  • Defensive Driver Discounts – Completing a defensive driver course could save 5% or more depending on where you live.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
  • Discount for Home Ownership – Owning a home can earn you a little savings because of the fact that having a home requires personal responsibility.

It’s important to note that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, nobody gets a free ride.

A list of companies and a partial list of their discounts are outlined below.

  • State Farm may offer discounts for good driver, passive restraint, Drive Safe & Save, multiple policy, and safe vehicle.
  • GEICO offers discounts for military active duty, air bags, five-year accident-free, membership and employees, multi-policy, and anti-theft.
  • Allstate includes discounts for eSmart discount, economy car, auto/life discount, early signing, utility vehicle, and anti-lock brakes.
  • SAFECO has savings for safe driver, teen safety rewards, homeowner, anti-theft, teen safe driver, and bundle discounts.
  • Farm Bureau has discounts for multi-vehicle, good student, safe driver, driver training, 55 and retired, and multi-policy.
  • Progressive offers premium reductions for continuous coverage, multi-policy, online signing, good student, online quote discount, and homeowner.
  • AAA policyholders can earn discounts including pay-in-full, good driver, multi-policy, good student, multi-car, and anti-theft.

When quoting, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies everywhere. To see a list of insurance companies with the best discounts, follow this link.

Different people need different insurance coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Why do I only qualify for high-risk insurance?
  • When would I need rental car insurance?
  • Does my insurance cover my expensive audio equipment?
  • When should I not file a claim?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered if I break a side mirror?

If you can’t answer 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, take a second and complete this form or go to this page to view a list of companies.

Subaru Legacy insurance premium factors

Lots of factors are used in the calculation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but other factors are not as apparent like your vehicle usage or how safe your car is.

  • Annual miles is a factor – The more miles you rack up on your Subaru in a year’s time the more it will cost to insure it. Many insurance companies apply a rate based upon how the vehicle is primarily used. Autos that have low annual miles qualify for better rates than those that get driven frequently. Double check that your declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money. Having the wrong rating on your Legacy may be costing you.
  • Youthful drivers pay higher premiums – More experienced drivers tend to be more responsible, file fewer claims and receive fewer citations.Young drivers are known to be less responsible with other occupants in the car therefore insurance rates are much higher.
  • Car and home together may be cheaper – The majority of insurance companies allow a discount to customers who carry more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you already get this discount, consumers should still comparison shop to help guarantee you have the best rates.
  • Prevent your car from being stolen – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your car from being stolen.
  • Having a spouse is a good thing – Having a wife or husband can actually save you money on your insurance policy. Having a significant other translates into being more mature and statistics prove married drivers tend to have fewer serious accidents.
  • Improve your credit rating – An insured’s credit score is likely to be a major factor in calculating your premium rate. People that have good credit tend to be more responsible than drivers with lower credit ratings. If your credit score could use some work, you could save money insuring your 2014 Subaru Legacy by improving your credit score.

Coverages available on your insurance policy

Knowing the specifics of insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision insurance covers damage to your Legacy caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Liability coverages – This will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others, 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. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like court costs, structural damage, funeral expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage – This coverage pays to fix your vehicle from 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 insurance covers claims like vandalism, hitting a bird and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as ambulance fees, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

What is YOUR best insurance company?

Throughout this article, we presented a lot of techniques to save on 2014 Subaru Legacy insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. You may even find the best price on auto insurance is with the smaller companies. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like State Farm or Progressive.

Cheaper auto insurance can be bought from both online companies and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers may not have online quoting and usually these small, regional companies sell through independent insurance agencies.

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