2014 Subaru Legacy Car Insurance Rates

Searching for better car insurance rates for your Subaru Legacy? Scraping up a payment for overpriced Subaru Legacy insurance can overdraw your personal savings and make it hard to pay other bills. Comparing price quotes is a smart way to lower your monthly bill. Popular companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with catchy ads and it is difficult to ignore the promise of big savings and find the best price available.

If you have a current auto insurance policy or are looking for a new policy, you can use this information to cut your premiums while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Consumers just need to learn the proper way to compare rates online.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but a few need to be specifically requested before being credited. If you’re not getting every credit available, you’re just leaving money on the table.

  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Sign Online – Certain companies may give you up to $50 just for signing your application online.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Legacy coverage than drivers with accident claims.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Low Mileage – Keeping the miles down on your Subaru could qualify for better rates on cars that stay parked.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will cut your premiums.

A partial list of companies that may have these money-saving discounts may include but are not limited to:

Double check with each company which discounts you may be entitled to. Savings might not apply everywhere.

How to Get Auto Insurance Comparison Quotes

Getting a lower price on 2014 Subaru Legacy insurance doesn’t have to be difficult. Just invest a few minutes comparing price quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  • The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do boring form submissions for every auto insurance company. A single form will return quotes from auto insurance companies with the best prices.
  • A different way to find lower rates is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For instance, let’s assume you want to compare rates from Progressive, 21st Century and American Family. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare the exact same coverage limits on every quote. If you are comparing mixed coverages you will not be able to make a fair comparison for your Subaru Legacy.

Impacting insurance rates for a Subaru Legacy

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get better auto insurance rates.

  • Poor credit can mean higher rates – Your credit rating is a important factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than those with poor credit. So if your credit score can use some improvement, you could save money insuring your 2014 Subaru Legacy by improving your credit score.
  • Are you male or female? – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. They both tend to get into accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Choose a safe vehicle and save – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates. If your Subaru Legacy scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Rural vs Urban Areas – Residing in a rural area can save you money when talking about auto insurance. City drivers have to deal with traffic congestion and much longer commute distances. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • Small claims can cost you – Car insurance companies award cheaper rates to policyholders who are claim-free. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for larger claims.
  • Don’t let your coverage lapse – Driving with no insurance is illegal and auto insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage may earn you a hefty fine and possibly a revoked license.

When should I talk to an agent?

When choosing adequate coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help highlight whether you might need professional guidance.

  • What are the best liability limits?
  • Where can I find high-risk insurance?
  • What exactly is covered by my policy?
  • Do I have coverage when making deliveries for my home business?
  • When can I cancel my policy?
  • Is my ex-spouse still covered by my policy?
  • Are rock chip repairs covered?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Can you really save that much by switching?

Drivers constantly see and hear ads for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings if you switch your policy.

But how can every company say the same thing? It’s all in the numbers.

Different companies can use profiling for the type of driver that is profitable for them. For example, a preferred risk could possibly be between the ages of 40 and 55, has no driving citations, and has excellent credit. A customer who meets those qualifications will get very good rates and therefore will save a lot of money.

Drivers who are not a match for the requirements will be charged higher premiums which usually ends up with business not being written. The ads state “customers who switch” not “everyone that quotes” save money. That’s the way companies can advertise the savings.

That is why it’s extremely important to get as many quotes as possible. It’s just too difficult to predict which company will have the lowest Subaru Legacy insurance rates.

The coverage is in the details

Learning about specific coverages of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by car insurance companies.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, rock chips in glass and damage from flooding. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical services, repair costs for stationary objects, emergency aid and structural damage. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as pain medications, chiropractic care, hospital visits and EMT expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance covers damage to your Legacy resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, scraping a guard rail, colliding with a tree, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Save your cold hard cash

As you prepare to switch companies, never reduce needed coverages to save money. Too many times, someone dropped liability coverage limits only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Lower-priced 2014 Subaru Legacy insurance can be found both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not provide online quoting and these smaller companies work with independent agents.

Additional detailed information can be found at these sites: