Lower Your 2002 Subaru Legacy Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your Subaru Legacy? Comparing car insurance rates is not a procedure consumers love to do, but it’s a required process in order to drive legally.

Quick Insurance Coverage Quotes

To find the best insurance coverage prices, there are several ways to compare rate quotes and find the best price. The fastest way to find the lowest 2002 Subaru Legacy rates is to perform an online rate comparison. This can be accomplished in a couple of different ways.

• The fastest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating a different quote to each individual insurance coverage company. One form will return quotes from multiple companies. This is by far the quickest method.
• A harder way to get comparison quotes is spending the time to visit the website for every company you want to comare and fill out their own quote form. For instance, let’s assume you want to compare rates from Farmers, Safeco and Travelers. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular.

  For a handy list of car insurance company links in your area, click here.

• The most time-consuming way to compare rates is to drive around to insurance agents’ offices. Shopping for insurance coverage online makes this process obsolete unless you have a need for the professional advice only provided by licensed agents. You can, however, get the lowest quotes online and still use a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just double check that you are using identical information with each company. If you have different deductibles it’s not possible to make an equal comparison. Slightly different coverages could mean much higher rates. Keep in mind that quoting more gives you a better chance of getting lower pricing.

Save with discounts on Subaru Legacy insurance

Companies that sell car insurance don’t always advertise all available discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known insurance savings.

• Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.
• Homeowners Pay Less – Owning a home can help you save on insurance because maintaining a house demonstrates responsibility.
• Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
• Defensive Driver – Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
• New Car Discount – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
• Accident Waiver – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free for a particular time prior to the accident.
• Service Members Pay Less – Being deployed with a military unit can result in better rates.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurers with discount insurance rates, click this link.

Tailor your coverage to you

When buying the best car insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions might point out if your situation would benefit from an agent’s advice.

• Is pleasure use cheaper than using my 2002 Subaru Legacy to commute?
• Do I need added coverage for expensive stereo equipment?
• If my 2002 Subaru Legacy is totaled, can I afford another vehicle?
• Am I insured when driving a different vehicle?
• Why am I required to get a high-risk car insurance policy?
• Are split liability limits better than a combined single limit?
• Which companies will insure high-risk drivers?
• Am I better off with higher deductibles on my 2002 Subaru Legacy?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Educate yourself about insurance coverages

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance 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 insurance covers things such as rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t 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. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as bail bonds, legal defense fees and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for nursing services, prosthetic devices, chiropractic care and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays for damage to your Legacy caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, hitting a parking meter, colliding with another moving vehicle, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Subaru Legacy.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.