Lower Your 2019 Subaru Legacy Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 22, 2024

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Looking for lower insurance rates for your Subaru Legacy? Are you a victim of high-priced insurance? Believe me when I say many consumers feel financially strained by their insurance policy. Since you have so many options when it comes to insurance, it can be impossible to locate a more affordable insurance company.

What affects Subaru Legacy insurance costs?

Many factors are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but other factors are more obscure like your continuous coverage and annual miles driven. Smart consumers have a good feel for the rating factors that aid in calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that could result in lower insurance coverage prices.

  • Battle of the sexes – Over time, data shows that females tend to be a little less risky than males. This data doesn’t prove that females are better drivers. Females and males tend to get into at-fault accidents at about the same rate, but men have accidents that have higher claims. Men also statistically get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Do you qualify for a multi-policy discount? – Most larger companies afford lower prices to customers that purchase more than one policy such as combining an auto and homeowners policy. The discount can be anywhere from five to ten percent in most cases. Even though this discount sounds good, drivers will still want to compare other insurance prices to ensure the best deal.
  • Vocation impacts prices – Occupational choices like military generals, executives and financial analysts usually pay higher premium rates in part from high stress levels and lots of time spent at work. On the flip side, jobs such as professors, athletes and homemakers get better rates for Legacy insurance.
  • Liability risk factors in – Liability coverage is the protection if you are found liable for damages caused by your negligence. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • A linsurance coverage policy lapse is a bad thing – Going without insurance can be a guaranteed way to pay more for insurance coverage. Not only will you pay higher rates, not being able to provide proof of insurance might get you a steep fine or even jail time.

The most recommended method to compare car insurance rates is to know auto insurance companies will pay a fee to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details such as whether the vehicles are used for commuting, how old drivers are, level of coverage desired, and whether you are single or married. That information is then submitted to multiple companies and they provide comparison quotes with very little delay.

Drivers can save with these premium-slashing discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts to reduce the price significantly. Some discounts will apply at the time of quoting, but lesser-known reductions have to be specially asked for before you get the savings. If you are not receiving all the discounts possible, you may be paying too high a price.

  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
  • Savings for New Vehicles – Putting insurance on a new car is cheaper because newer models are generally safer.
  • Telematics Devices – Policyholders that allow companies to analyze when and where they use their vehicle remotely such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Subaru can qualify you for substantially lower rates.
  • Waiver for an Accident – but companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident before they charge you more for coverage so long as you are claim-free prior to the accident.
  • Theft Deterrent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Discounts for Cautious Drivers – Safe drivers can get discounts for up to 45% lower rates for Legacy insurance compared to rates paid by drivers with frequent claims.
  • Senior Citizens – Drivers that qualify as senior citizens may qualify for lower premium rates for Legacy insurance.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts could see savings of 20% or more.
  • Renewal Discounts – Some car insurance companies provide a discount for buying a new policy before your current policy expires. It can save you around 10%.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it’s just not the way it works. Any qualifying discounts will definitely lower your overall bill.

Auto insurance companies who might offer these discounts are:

  • Farm Bureau
  • Liberty Mutual
  • State Farm
  • Auto-Owners Insurance

Before you buy a policy, ask each company the best way to save money. Some discounts listed above may not apply to policyholders in every state. To find insurance companies with discount rates, enter your zip code here.

Do I need special coverages?

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that For example, these questions can aid in determining if your situation could use an agent’s help.

  • Are my tools covered if they get stolen from my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Why is insurance for a teen driver so high?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need Motor Club coverage?
  • Do I need an umbrella policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete your zip code. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Subaru Legacy.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, damage from getting keyed, hitting a bird, falling objects and damage from flooding. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This coverage covers damage to your Legacy caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, colliding with a tree, rolling your car, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as doctor visits, nursing services and pain medications. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

This coverage provides protection from damage that occurs to other’s property or people. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, medical services, attorney fees and funeral expenses. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Spend less. Save more.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice full coverage only to discover later that the savings was not a smart move. Your aim should be to buy enough coverage at the best possible price while still protecting your assets.

The cheapest 2019 Subaru Legacy insurance is attainable on the web as well as from independent agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies do not offer rates over the internet and these smaller companies only sell coverage through local independent agencies.

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