How Much Does 2015 Subaru Legacy Car Insurance Cost?

Nobody I know enjoys paying for auto insurance, especially when their premiums are too high. With consumers having so many options when it comes to auto insurance, it can be challenging to pick the lowest price car insurance company.

Finding affordable coverage is not that difficult. If you have insurance now or are shopping for new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. Drivers just need to learn the best way to shop for insurance online.

The easiest way to get rate comparisons is to understand most larger insurance companies have advanced systems to provide you with a free rate quote. To start a quote, the only thing you need to do is give them rating details including if you require a SR-22, whether your vehicle is owned or leased, marital status, and your general credit rating. That rating information is then sent to multiple auto insurance providers and you will get price comparisons instantly to find the best rate.

To find the cheapest 2015 Subaru Legacy insurance rates, click here and see if a lower rate is available.

Do you qualify for a discount?

Companies that sell car insurance don’t list all their discounts very well, so the following is a list of some of the best known and the more hidden savings tricks you should be using. If you don’t get every credit you qualify for, you are throwing money away.

• Low Mileage Discounts – Fewer annual miles on your Subaru could qualify for a substantially lower rate.
• Sign Early and Save – Some insurance companies reward drivers for switching policies before your current policy expires. It can save you around 10%.
• Senior Citizens – Mature drivers may qualify for reduced rates for Legacy insurance.
• Student in College – Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
• Defensive Driver – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
• Accident Forgiveness – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• Multi-policy Discount – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
• Club Memberships – Being a member of a qualifying organization is a good way to get lower rates on your policy for Legacy insurance.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of companies offering insurance discounts, click here to view.

What coverages do I need?

When it comes to choosing the best insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs might need professional guidance.

• Am I covered when driving someone else’s vehicle?
• Is rental equipment covered for theft or damage?
• Do I really need UM/UIM coverage?
• Am I covered when using my vehicle for business?
• Exactly who is provided coverage by my policy?
• Is my nanny covered when driving my vehicle?
• Am I missing any policy discounts?
• Is my ex-spouse still covered by my policy?
• Why is insurance for a teen driver so high?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance 101

Knowing the specifics of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average car insurance policy.

Liability coverage

This can cover damage or injury you incur to people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle 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 liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like structural damage, loss of income, court costs, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, hitting a deer, a tree branch falling on your vehicle, rock chips in glass and theft. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses such as chiropractic care, ambulance fees, prosthetic devices and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays for damage to your Legacy 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 coverage pays for claims like scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.