1998 Subaru Legacy Insurance Quotes – 7 Tips for Best Rates

Trying to find lower insurance rates for your Subaru Legacy? Are you a victim of high-priced insurance? Trust us, there are many people just like you.

You have so many car insurance companies to buy insurance from, and although it’s a good thing to have a choice, having more auto insurance companies makes it harder to find the best rates.

It’s smart to take a look at other company’s rates on a regular basis since insurance rates change quite often. Despite the fact that you may have had the best rates on Legacy insurance a year ago there may be better deals available now. Ignore everything you know about insurance because we’re going to demonstrate the right way to lower your rates without sacrificing coverage.

The purpose of this article is to teach you how car insurance quotes work. If you currently have car insurance, you will most likely be able to save some money using these techniques. But vehicle owners must know how companies compete online and use this information to your advantage.

Pay less by taking advantage of these seven discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be asked about prior to receiving the credit.

  • Passive Restraint Discount – Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Save over 55 – Older drivers may be able to get reduced rates on Legacy insurance.
  • Club Memberships – Being a member of certain professional organizations may earn a discount when buying insurance on Legacy insurance.
  • Student in College – Children who live away from home and don’t have a car may be able to be covered for less.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • No Claims – Good drivers with no accidents pay much less as compared to drivers who are more careless.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. But any discount will reduce your overall premium however.

Companies that possibly offer these benefits include:

It’s a good idea to ask every prospective company which discounts they offer. Savings might not be offered everywhere.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • Which companies will insure high-risk drivers?
  • What exactly is covered by my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my teenager covered with friends in the car?
  • Do I need motorclub coverage?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Car insurance myths debunked

Car insurance providers like GEICO, State Farm and Progressive consistently run ads on TV and radio. They all make the same claim that you can save if you change your policy. How does each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the type of customer they prefer to insure. An example of a preferred risk could possibly be between the ages of 30 and 50, has no driving citations, and has excellent credit. A customer who matches those parameters will get very good rates and as a result will probably cut their rates substantially.

Consumers who are not a match for these standards will be quoted higher prices and ends up with business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can make the claims of big savings.

This emphasizes why drivers should get a wide range of price quotes. You cannot predict the company that will provide you with the cheapest Subaru Legacy insurance rates.

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by auto insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for pain medications, funeral costs and surgery. The coverages can be used to fill the gap from 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 being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like legal defense fees, structural damage, funeral expenses, pain and suffering and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1998 Subaru Legacy.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage, a tree branch falling on your vehicle, hail damage and hitting a bird. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays for damage to your Legacy resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Compare but don’t skimp

We just presented a lot of techniques to get a better price on 1998 Subaru Legacy insurance. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small local company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

Affordable insurance is possible on the web and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Additional insurance information can be read below: