2023 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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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Beginners to price shopping insurance online can find buying inexpensive insurance coverage is nearly impossible.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Although car owners should learn the way insurance companies price insurance differently and take advantage of how the system works.

Affordable car insurance quotes with discounts

Auto insurance companies do not list all possible discounts in a way that’s easy to find, so we break down both the well known and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

  • Telematics Devices – Insureds that choose to allow their company to monitor their driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if their driving habits are good.
  • Discounts for Safe Drivers – Drivers without accidents can pay as much as 50% less on Legacy insurance compared to rates paid by drivers with frequent claims.
  • Senior Discount – Drivers that qualify as senior citizens may receive a slight reduction on a insurance coverage quote on Legacy insurance.
  • Student Discount for Driver Training – Require your teen driver to successfully take a drivers education course in school or through a local driver safety program.
  • Active Service Discounts – Having an actively deployed family member could be rewarded with lower premium rates.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on Legacy insurance but check with your company.
  • Multi-line Discount – Larger car insurance companies have a discounted car insurance rate on car insurance if you buy some life insurance too.
  • Paperless Signup – Certain larger companies will provide an incentive get insurance coverage on your computer.

One thing to note about discounts is that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

To choose companies who offer car insurance discounts, enter your zip code here.

Why your insurance rates might be higher

Many things are part of the calculation when you get your auto insurance bill. Some are obvious such as your driving record, although others are more transparent such as whether you are married or how safe your car is. An important part of buying insurance is that you know the factors that are used to determine your auto insurance rates. If you know what determines premiums, this empowers consumers to make smart changes that could result in cheaper rates.

  • Avoid unnecessary extra policy coverages – Insurance policies have a lot of additional extra coverages that you can buy when buying auto insurance. Coverages like personal injury protection, accident forgiveness, and Farm Bureau memberships may be costing you every month. They may seem good when buying your policy, but if they’re wasting money think about removing them and cutting costs.
  • Auto insurance policy lapses increase auto insurance rates – Allowing your auto insurance policy to lapse will be a quick way to increase your rates. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you fines and jail time.
  • Get married and pay lower costs – Being married helps lower the price when shopping for auto insurance. Having a significant other usually means you are more financially stable and statistics prove married couples file fewer claims.
  • A good credit rating can save money – Having a bad credit rating can be an important factor in calculating your premium rate. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit ratings. Therefore, if your credit score can use some improvement, you could pay less to insure your 2023 Subaru Legacy by taking the time to improve your credit score.
  • Drive a safer car and pay less – Safer cars tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less which can mean better rates for you.
  • Premiums may be lower depending on your job – Occupations such as judges, business owners and accountants generally have higher rates than the rest of us in part from intense work situations and lengthy work days. On the flip side, occupations like professors, students and performers get better rates on Legacy insurance.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether you could use an agent’s help.

  • Should I waive the damage coverage when renting a car?
  • Are split liability limits better than a combined single limit?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I get collision insurance on every vehicle?
  • Why does it cost so much to insure a teen driver?
  • How do I buy GAP insurance?
  • What discounts do I qualify for?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my 2023 Subaru Legacy qualify for pleasure use?

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 agent. If you don’t have a local agent, take a second and enter your zip code.

Insurance advertising tricks

Insurance coverage providers like State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. All the ads have a common claim that you’ll save big just by moving to their company. Is it even possible that every company can claim to save you money? This is the way they can do it.

Insurance coverage companies have specific criteria for the type of customer that will add to their bottom line. For instance, a profitable customer might be a female over age 40, has a low-risk occupation, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile receives the best rates and as a result will probably save money with a new company.

Insureds who don’t qualify for the “perfect” profile will probably have to pay a higher premium with the end result being the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” not “everyone that quotes” save that much when switching. That’s why companies can make claims that they all have the best prices. Because every company is different, drivers should get insurance coverage quotes as often as possible. It’s impossible to know which insurance coverage company will be your best fit.

Insurance coverages explained

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills for things like funeral costs, X-ray expenses and dental work. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, a broken windshield, damage from a tornado or hurricane and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Legacy.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability

This protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like pain and suffering, funeral expenses, emergency aid, attorney fees and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision insurance

Collision insurance pays for damage to your Legacy caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, hitting a mailbox, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Power to the consumer

Low-cost 2023 Subaru Legacy insurance can be bought from both online companies in addition to many insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. A few companies may not offer internet price quotes and these smaller providers only sell through local independent agents.

You just learned a lot of techniques to shop for 2023 Subaru Legacy insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest prices come from an unexpected company.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to discover later that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.

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