Lower Your 1993 Subaru Legacy Car Insurance Rates

Looking for cheaper auto insurance rates for your Subaru Legacy? Nobody cherishes buying auto insurance, especially when their premiums are through the roof.

Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurers and get the definite best rate

Smart consumers take time to take a look at other company’s rates every six months because rates are constantly changing. If you had the best rates for Legacy insurance six months ago you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to demonstrate the tricks you need to know to find better coverage at a better price.

Comprehensive Insurance Comparison Quotes

Effectively comparing insurance prices can be a lot of work if you don’t understand the easiest way. You could waste a few hours driving to insurance agencies in your area, or you could save time and use the internet to get the quickest rates.

Most of the larger companies enroll in a system where insurance shoppers enter their policy data once, and each company can give them a price. This prevents consumers from doing quote requests to each individual insurance company.

To find out what other companies charge for 1993 Subaru Legacy insurance click here to start a free quote.

The only downside to doing it this way is you can’t choose which companies you want to price. So if you want to choose from a list of companies to request quotes from, we put together a list of low cost insurance companies in your area. Click to view list.

Whichever way you use, make darn sure you compare exactly the same coverage limits and deductibles with every price quote. If you use differing limits then you won’t be able to make an equal comparison. Having just a slight variation in limits can make a big difference in price. Just keep in mind that more quotes gives you a better chance of getting the best price.

These factors can influence Subaru Legacy insurance rates

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance coverage. Having a good understanding of what influences your rates helps enable you to make changes that can help you get lower insurance coverage prices.

  • Lower miles equals lower premium – The more miles you rack up on your Subaru each year the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates than those used for commuting. If your policy improperly rates your Legacy may be costing you. Ask your agent if your insurance coverage policy is rated on how each vehicle is driven, because improper ratings can cost you money.
  • Traffic violations increase rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one ticket can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers with flagrant tickets such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • What are your deductibles? – Physical damage deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. The higher the amount you have to pay, the less your insurance coverage will be for Legacy insurance.
  • Do you need those extra coverages? – There are a ton of additional coverages you can purchase if you aren’t careful. Coverages for rental car reimbursement, better glass coverage and term life insurance may be wasting your money. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate them to save money.

Lower rates by qualifying for discounts

Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so we researched some of the best known and the more hidden discounts you could be receiving.

  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Driver’s Ed – Have your child successfully complete driver’s ed class in school.
  • Resident Student – Kids in college who are attending college and don’t have a car may be able to be covered for less.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance.
  • Own a Home – Owning a home can save you money because of the fact that having a home requires personal responsibility.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Club Memberships – Participating in a professional or civic organization could trigger savings on auto insurance for Legacy insurance.
  • New Car Discount – Adding a new car to your policy is cheaper compared to insuring an older model.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.

For a list of companies with discount auto insurance rates, click this link.

Car insurance is unique, just like you

When it comes to buying the best car insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • Should I carry comprehensive and collision coverage?
  • Can I get a multi-policy discount?
  • When can I cancel my policy?
  • Do I really need UM/UIM coverage?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Specific coverage details

Having a good grasp of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average car insurance policy.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, theft and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

This coverage covers damage to your Legacy resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, hitting a parking meter, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, doctor visits, surgery and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, emergency aid, court costs and medical services. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Save your cold hard cash

Cost effective 1993 Subaru Legacy insurance is definitely available both online in addition to many insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and these smaller companies work with independent agents.

We just covered a lot of ways to save on insurance. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

Additional information is available at the links below