2008 Subaru Legacy Insurance Quotes – 5 Tips for Best Rates

Comparing car insurance rates is not a process drivers relish, but it’s mandatory before you can go for a ride.

Shopping for cheaper coverage is easy if you know what you’re doing. In a nutshell, every vehicle owner who shops for insurance coverage stands a good chance to be able to save money. But drivers must understand how insurance companies sell online and take advantage of how the system works.

Policy discounts you shouldn’t miss

Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but a few need to be requested specifically before you will receive the discount.

  • Early Signing – Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Legacy insurance than drivers with accident claims.
  • Homeowners Discount – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will help reduce the amount you have to pay.

Insurance companies that may offer these benefits include:

Double check with each company which discounts they offer. Some discounts may not apply in your state.

Compare the Market for Car Insurance

Performing a rate comparison is a ton of work if you aren’t aware of the fastest way to get free quotes. You could waste time talking to insurance companies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company provides a quote. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To find out how much you can save on car insurance click to open in new window.

One minor caviat to comparing rates this way is you are unable to specify the companies you want pricing from. If you wish to select from a list of companies to compare, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use exactly the same coverage limits for every quote you compare. If you enter unequal deductibles or liability limits it’s not possible to make a fair comparison for your Subaru Legacy. Slightly different limits can make a big difference in price. Just remember that quoting more helps locate better pricing.

Insurance agents can help

When buying the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different.

For example, these questions might help in determining if your insurance needs might need professional guidance.

  • Is motorclub coverage worth it?
  • What should my uninsured motorist coverage limits be in my state?
  • What is PIP insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my teen driver covered when they drive my company car?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Detailed coverages of your car insurance policy

Having a good grasp of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage covers damage to your Legacy caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, a broken windshield, hail damage, damage from flooding and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

Liability insurance protects you from damage that occurs to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like structural damage, court costs, funeral expenses and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2008 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 very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for X-ray expenses, rehabilitation expenses and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

The bottom line

Insureds switch companies for a variety of reasons including being labeled a high risk driver, high prices, unfair underwriting practices or policy non-renewal. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

Cost effective 2008 Subaru Legacy insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not provide you the ability to get quotes online and these smaller companies work with independent agents.

We just covered many ways to save on insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the best prices are with a smaller regional carrier.

Much more information about insurance can be read on the following sites: