Drivers have lots of options when buying insurance for your Subaru vehicle. You can buy direct from an insurance agent or price shop online to check prices from lots of different providers. Comparing car insurance through online providers is simple to do, plus you may find lower rates.
Using the web to shop for car insurance direct can be difficult if you have never used online rate quotes. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The recommended way to find competitive Legacy insurance cost involves getting comparison quotes online. This can be done by completing this short form.
Insurance premiums paid to insure a Subaru Legacy will vary greatly subject to many criteria. Including but not limited to:
One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new Subaru models so the costs to repair can decrease annual premiums. Conversely, new Subaru models have more advanced features such as active head restraints, an advanced theft deterrent system, and lane departure warning system so those may give discounted rates.
To get a better idea how much rates will be for your vehicle, select the year of your Legacy from the list below.
Liability auto insurance - Legacy liability coverage provides protection from damage or injury you incur to a person or their property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as much as you can afford.
Collision coverage - This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.
Comprehensive (Other than Collision) - This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Medical expense insurance - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.
How Much are Subaru Legacy Insurance Rates?