How Much Does 2015 Subaru Legacy Car Insurance Cost?

Want lower auto insurance rates for your Subaru Legacy? Feel like you’re a prisoner to an overpriced auto insurance policy? Believe me when I say there are lots of residents who feel the same. Numerous insurers battle to insure your vehicles, so it’s not easy to compare every insurer and get the definite best price available.

It’s smart to price shop coverage on a regular basis due to the fact that insurance rates are constantly changing. If you had the lowest rate on Legacy coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re going to learn the things you must know in order to find better rates and still maintain coverage.

If you are insured now or are looking for a new policy, you can use this information to find the best rates while maintaining coverages. Finding the best rates is not that difficult. Consumers just need to know how to compare rates on the web.

Insurance quotes comparison

Lowering your 2015 Subaru Legacy insurance rates can be surprisingly simple. Consumers just need to spend a few minutes on the computer getting comparison quotes to discover which company has inexpensive auto insurance quotes. Price comparisons can be done by following the guidelines below.

  • The easiest and least time consuming way to get quotes is a comparison rater form like this one (opens in new window). This quick form eliminates the need for multiple quote forms for every prospective company. A single form gets prices estimates from several companies.
  • A different way to obtain and compare quotes online is to take the time to go to the website of each company and repeat the quote process. For example, we’ll pretend you want comparison quotes from State Farm, Progressive and Liberty Mutual. To find out each rate you need to go to each individual site and enter your policy data, which is why first method is reommended. To view a list of companies in your area, click here.

How you compare quotes is your choice, just be sure to compare the same coverages and limits for each comparison quote. If you enter unequal deductibles or liability limits it will be next to impossible to decipher which rate is best.

Insurance policy discounts

Insurance is neither fun to buy or cheap, but you might already qualify for some discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but a few must be asked for in order for you to get them. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

  • Bundle and Save – When you combine your auto and homeowners insurance and place coverage with the same company you could save up to 20% off your total premium.
  • Discounts for Good Drivers – Accident-free drivers could pay up to 40% less on Legacy coverage than less cautious drivers.
  • Federal Employees – Federal government employees may qualify for a discount when you quote auto insurance on Legacy coverage with some insurance companies.
  • Online Discount – A few insurance companies provide a small discount get auto insurance on the web.
  • Driver Education Discount – Cut your cost by having your teen driver sucessfully take a drivers education course in high school.
  • More Vehicles More Savings – Buying coverage for multiple cars on one policy can reduce the rates for all insured vehicles.
  • Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Memberships – Being a member of a civic or occupational organization could earn you a nice discount when getting a auto insurance quote.
  • Discount for New Cars – Adding a new car to your policy may earn a small discount since new vehicles have better safety ratings.
  • Theft Prevention System – Cars equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount should help reduce the cost of your policy.

The best insurance companies and the discounts they provide are shown below.

  • State Farm has savings for Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, driver’s education, and safe vehicle.
  • GEICO offers discounts including air bags, good student, multi-policy, multi-vehicle, daytime running lights, and driver training.
  • Progressive offers premium reductions for good student, multi-policy, homeowner, online signing, continuous coverage, online quote discount, and multi-vehicle.
  • 21st Century has discounts for early bird, 55 and older, homeowners, student driver, anti-lock brakes, and automatic seat belts.
  • American Family may have discounts that include multi-vehicle, TimeAway discount, good driver, Steer into Savings, air bags, mySafetyValet, and defensive driver.
  • The Hartford may include discounts for air bag, driver training, bundle, vehicle fuel type, anti-theft, good student, and defensive driver.
  • AAA offers discounts for multi-policy, anti-theft, education and occupation, pay-in-full, and good driver.

Before buying, ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your area. To choose insurance companies with the best discounts, follow this link.

How do I know if I need professional advice?

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

  • Do I need PIP coverage since I have good health insurance?
  • Do I pay less for low miles?
  • How many claims can I have before being cancelled?
  • Am I covered if hit by an uninsured driver?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered when driving on a suspended license?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Quote Subaru Legacy insurance cheaper

Multiple criteria are considered when premium rates are determined. Some factors are common sense like an MVR report, although some other factors are more obscure like your vehicle usage or your commute time.An important part of buying insurance is that you know some of the factors that help calculate the price you pay for insurance. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.

  • Car and home together may be cheaper – Some companies afford lower prices to insureds who carry more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to guarantee you are still saving the most.There is a good possibility that you can save money by splitting coverages up.
  • Be proud to be claim-free – If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Auto insurance companies provide lower rates to people who do not file claims often. Your car insurance is designed for larger claims.
  • Accidents cost more than a fine – Your driving record influences premium rates substantially. Good drivers receive lower rates as compared to careless drivers. Even a single citation can bump up the cost by as much as twenty percent. Drivers who have gotten careless tickets like hit and run, DWI or reckless driving convictions may find they need to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • With age comes lower costs – More mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents and receive fewer citations.Teenage drivers are proven to be careless and easily distracted in a vehicle therefore insurance rates are much higher.
  • Higher prices for coverage lapses – Having a gap between insurance policy dates can be a guaranteed way to pay more for insurance. In addition to paying higher premiums, being ticketed for driving with no insurance can result in fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Gender and auto insurance costs – Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn’t mean women are BETTER drivers than men. Both sexes cause at-fault accidents in similar percentages, but the men have costlier accidents. Not only that, but men also receive more major tickets such as DWI and reckless driving. Youthful male drivers generally have the highest accident percentage and therefore pay the highest rates.
  • Theft deterrents save – Buying a car that has a built-in theft deterrent system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft.
  • Lower rates by increasing deductibles – The deductibles tell how much you are willing to pay out-of-pocket in the event of a claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims would be collision with another vehicle, vandalism, and having a roll-over accident. The more expense the insured has to pay upfront, the less your company will charge you for insurance on Legacy coverage.

Detailed coverages of your auto insurance policy

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Comprehensive coverages

Comprehensive insurance 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 can pay for things like damage from flooding, hail damage, rock chips in glass and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for EMT expenses, ambulance fees, pain medications, dental work and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage covers damage to your Legacy 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 coverage protects against claims like colliding with another moving vehicle, backing into a parked car, colliding with a tree, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverage

This provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. 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 such as attorney fees, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Pennies from heaven

Budget-conscious 2015 Subaru Legacy insurance can be found both online and from local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not provide rate quotes online and these small insurance companies only sell coverage through independent agents.

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. The proper strategy is to buy the best coverage you can find at the best price and still be able to protect your assets.

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