1995 Subaru Legacy Insurance Quotes – 5 Tricks for Best Rates

Paying for high-priced Subaru Legacy insurance can drain your bank account and force you to make sacrifices. Comparison shopping is a great way to slash your bill and have more diposable income. Because there are so many choices of insurance companies, it can be hard to locate the lowest cost provider.

You need to shop coverage around before your policy renews due to the fact that insurance rates change frequently. Even if you think you had the best price for Legacy coverage a year ago there is a good chance you can find better rates now. Don’t believe everything you read about insurance coverage online, so I’m going to show you the best ways to quit paying high insurance coverage rates.

The purpose of this article is to help you learn the most effective way to quote insurance and some tips to save money. If you have car insurance now, you will be able to cut costs considerably using these techniques. Drivers just need to know the proper way to buy auto insurance on the web.

Automobile Insurance Quotes

There are a variety of methods to shop for 1995 Subaru Legacy car insurance, and some are less time-consuming than others. You can spend your afternoon talking about coverages with insurance companies in your area, or you can stay home and use the web to get pricing more quickly.

Most of the larger companies belong to an insurance system that allows shoppers to send in one quote, and at least one company then gives them pricing determined by their information. This eliminates the need for quote forms to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one downside to using this type of form is you don’t know exactly which providers you will receive quotes from. So if you prefer to pick individual companies to compare prices, we have a listing of car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but compare exactly the same coverages and limits with each company. If each company quotes different values for each quote it’s impossible to make an equal comparison.

Be sure to get all your discounts

Car insurance is not cheap, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be asked about in order for you to get them. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • 55 and Retired – Mature drivers may qualify for reduced rates for Legacy coverage.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
  • No Charge for an Accident – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Good Student Discount – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiration. The savings is around 10%.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any amount of discount will bring down the amount you have to pay.

Companies that may offer these money-saving discounts may include but are not limited to:

Check with each insurance company how you can save money. Savings might not apply in your state.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • How many claims can I have before being cancelled?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my ex-spouse still covered by my policy?
  • Do I pay less for low miles?
  • How high should my medical payments coverage be?
  • Is my trailer covered?
  • Is my state a no-fault state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Educate yourself about insurance coverages

Understanding the coverages of insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Subaru Legacy.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability

This will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as bail bonds, repair bills for other people’s vehicles, medical services, legal defense fees and attorney fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses for doctor visits, dental work, nursing services and X-ray expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays for damage to your Legacy resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.