Compare 2003 Subaru Legacy Insurance Rates

Want cheaper insurance rates for your Subaru Legacy? Comparing insurance rates online can be a challenge if you’re new to online quoting. Don’t let that stop you because it’s actually quite easy.

The method we recommend to compare insurance rates in your area utilizes the fact most insurance companies participate in a system to compare rate quotes. The only thing you need to do is provide a little information including the ages of drivers, how much education you have, your occupation, and how much coverage you want. Your rating data gets transmitted to many different companies and you receive quotes very quickly.

To check rates for your Subaru Legacy , click here and enter your zip code.

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads have a common claim that you can save after switching to their company. How does each company claim to save you money? This is how they do it.

All the different companies can use profiling for the right customer that is profitable for them. For example, a preferred risk might be over the age of 50, is a homeowner, and chooses high deductibles. A customer who matches those parameters gets the lowest rates and as a result will probably cut their rates substantially.

Potential customers who don’t qualify for the “perfect” profile will have to pay higher premiums and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save money. This is how insurance companies can make the claims of big savings. Because of the profiling, it’s extremely important to get as many comparisons as possible. Because you never know which company will give you the biggest savings on Subaru Legacy insurance.

More discounts equal less premium

Auto insurance companies don’t list all their discounts very clearly, so we break down both well-publicized as well as the least known discounts you could be receiving.

  • Air Bag Discount – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

A partial list of companies that may offer some of the above discounts include:

It’s a good idea to ask each company which discounts they offer. All car insurance discounts might not apply everywhere.

It’s not one size fits all

When buying coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • When would I need additional glass coverage?
  • Does coverage extend to my business vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I getting all the discounts available?
  • Is my Subaru Legacy covered if I use it for business?
  • Do I have newly-aquired coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance coverage information

Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for EMT expenses, nursing services, chiropractic care, rehabilitation expenses and dental work. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2003 Subaru Legacy.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, a broken windshield and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

Liability coverage can cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like court costs, medical services and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

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

Collision can pay for things like hitting a parking meter, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Don’t be a big spender

We just presented some good ideas how you can save on 2003 Subaru Legacy insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with an unexpected company.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage for the lowest price while still protecting your assets.

People leave their current company for any number of reasons including poor customer service, not issuing a premium refund, policy cancellation and even an unsatisfactory settlement offer. Regardless of your reason, finding the right insurance provider can be pretty painless.

Additional detailed information is located at these sites: