Subaru Legacy Insurance Quotes

Drivers have lots of options when trying to insure your Subaru vehicle. You can buy direct from an insurance agent or go online to compare insurance costs of many different car insurance companies. Buying car insurance through online rate quotes can be fast and easy, plus you may find lower rates.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of online companies selling insurance. The are a couple different ways to compare quotes from car insurance companies in your area. The quickest method to find the cheapest Legacy insurance quotes is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by these factors

Insurance premiums paid to insure a Subaru Legacy can be significantly different depending on several factors. Including but not limited to:

Higher performance Legacy vehicles cost more
How many accidents you have had
Multiple policies can save money
How you use your vehicle
Your age
Being married may save money
Add-on coverages such as rental reimbursement
Your job
The amount of protection requested
Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new Subaru models so the costs to repair may result in lower rates. But newer models have more advanced features including lane departure warning system, a telematics system, and adaptive headlights that may help help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Legacy from the list below.

Auto liability

This coverage protects you from damage or injury you incur to a person or their property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage

Collision insurance pays for damage to your Subaru from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.

How Much are Subaru Legacy Insurance Rates?