1996 Subaru Legacy Insurance Quotes

Buying the most affordable insurance on the internet is somewhat difficult for consumers not familiar with price shopping online. With so many online companies available, how can you possibly compare every one to find the best available price?

It’s a great practice to price shop coverage at least once a year due to the fact that insurance rates change regularly. Despite the fact that you may have had the best rates on Legacy coverage a couple years back you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to find out the best way to lower your rates without sacrificing coverage.

Factors that can influence insurance rates for a Subaru Legacy

Smart consumers have a good feel for the different types of things that play a part in calculating your auto insurance rates. Understanding what influences your rates allows you to make educated decisions that may reward you with better auto insurance rates.

Shown below are some of the factors companies use to determine rates.

  • Being married can save on auto insurance – Having a spouse helps lower the price when buying auto insurance. It is viewed as being more responsible and it’s statistically proven that married couples file fewer claims.
  • Optional equipment can affect rates – Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • More claims means more premium – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Companies provide lower rates to drivers who are claim-free. Auto insurance is meant to be used in the event of larger claims.
  • More miles equals more premium – Driving more miles in a year’s time the more you will pay for auto insurance. The majority of insurers charge to insure your cars determined by how the vehicle is used. Vehicles left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Legacy may be costing you. Make sure your auto insurance coverage shows the proper vehicle usage.
  • Safe vehicles cost less to insure – Safer cars can get you lower premiums. Safe vehicles have better occupant injury protection and better occupant protection means lower claim amounts passed on to you as lower rates. If the Subaru Legacy scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Careful drivers pay lower rates – Even a single ticket may increase your cost forty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.

Finding Auto Insurance

Most companies like State Farm and Allstate quote prices for coverage on the web. Getting quotes is pretty easy as you just type in the amount of coverage you want as detailed in the form. After you complete the form, their system requests your credit score and driving record and returns a price.

Online quotes simplifies rate comparisons, but the process of having to visit many different websites and enter the same data into a form can be a bit repetitive. But it’s very important to compare as many rates as possible in order to get a better rate.

The preferred way to get multiple rate quotes uses one simple form to obtain quotes from more than one company. The form is fast, eliminates form submissions, and makes quoting online much more enjoyable. As soon as you send your information, it is rated and you can select your choice of the pricing results.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. This process takes 15 minutes at the most and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you replicate the coverages as close as possible to your current policy. Doing this guarantees you will get rate comparison quotes for exact coverage.

Take advantage of discounts

Car insurance is not cheap, but there are discounts available to cut the cost considerably. Some trigger automatically at the time of quoting, but lesser-known reductions have to be requested specifically before being credited.

  • Accident Forgiveness – Certain companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Own a Home – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Driver Safety – Taking a course in driver safety could cut 5% off your bill if your company offers it.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Life Insurance Discount – Some companies give a discount if you purchase life insurance.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, you’re out of luck. But all discounts will bring down the cost of coverage.

A partial list of companies that may offer these benefits are:

Double check with each company which discounts you may be entitled to. Savings may not apply in every state.

How to know if you need help

When buying coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions could help you determine whether or not you could use an agent’s help.

  • Is my 1996 Subaru Legacy covered for smoke damage?
  • Do I need roadside assistance coverage?
  • Are rental cars covered under my policy?
  • Why do I only qualify for high-risk insurance?
  • Should I rate my 1996 Subaru Legacy as pleasure use or commute?
  • Is extra glass coverage worth it?
  • Is my state a no-fault state?
  • When can my company non-renew my policy?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverage information

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for liability – This will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like fire damage, rock chips in glass, a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills like funeral costs, nursing services, doctor visits and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 Subaru Legacy.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Collision – This coverage pays for damage to your Legacy resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, colliding with a tree, rolling your car, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Best coverage at the best price

Budget-conscious 1996 Subaru Legacy insurance is possible both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Consumers change insurance companies for any number of reasons including being labeled a high risk driver, high rates after DUI convictions, extreme rates for teen drivers or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. Too many times, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

For more information, take a look at the resources below: