2005 Subaru Legacy Car Insurance Quotes – 8 Tricks for Cheaper Rates

Trying to find cheaper car insurance rates for your Subaru Legacy? Searching for cheaper insurance for a Subaru Legacy can turn out to be an all-consuming task, but you can use our car insurance buying tips to find lower rates. There is a better way to compare car insurance rates so we’re going to tell you the best way to quote coverages for your Subaru and get the cheapest rates from local insurance agents and online providers.

It’s a great practice to check car insurance prices yearly because insurance rates change regularly. If you had the lowest price for Legacy insurance on your last policy you can probably find a better price now. So just block out anything you think you know about car insurance because you’re going to get a crash course in the quickest way to find better rates and still maintain coverage.

Comparison of Car Insurance

Cutting your car insurance rates can be surprisingly simple. The only thing you need to do is invest a few minutes to compare rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating repetitive form submissions for each company. One simple form gets rate comparisons from all major companies. It’s definitely the quickest method.
  2. A different way to compare rate quotes requires visiting each individual company website and fill out their own quote form. For sake of this example, we’ll pretend you want to compare GEICO, 21st Century and Farmers. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The least efficient method of getting rate comparisons is to waste gas driving to local insurance agencies. Shopping for car insurance online can eliminate the need for a local agent unless you prefer the personal advice only provided by licensed agents. You can, however, compare online quotes but buy from a local insurance agent.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverage information with every price quote. If you have different liability limits then you won’t be able to make an equal comparison.

Don’t be fooled by advertising claims

Drivers constantly see and hear ads that promise big savings by State Farm and Allstate. They all seem to say the same thing that you can save if you change to their company.

How do they all say the same thing? This is how they do it.

Different companies can use profiling for the right customer they prefer to insure. For instance, a profitable customer could be between the ages of 30 and 50, has no driving citations, and drives newer vehicles. Any new insured who meets those qualifications is entitled to the best price and therefore will save when switching.

Consumers who don’t qualify for the requirements will be quoted a higher premium which usually ends up with the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently advertise the savings. This emphasizes why you absolutely need to get quotes from several different companies. It is impossible to predict the company that will provide you with the cheapest Subaru Legacy insurance rates.

Cut your auto insurance rates with these eight discounts

Companies that sell car insurance don’t always list every discount very well, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If you don’t get every credit available, you’re just leaving money on the table.

  • Driver Safety – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Drive Less and Save – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less for Legacy insurance than their less cautious counterparts.
  • Drivers Education – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Claim Free – Claim-free drivers can earn big discounts when compared with bad drivers.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Save with a New Car – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

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

You are unique and your auto insurance should be too

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you will benefit from professional help.

  • Why am I required to get a high-risk car insurance policy?
  • What is the minimum liability in my state?
  • Can my babysitter drive my car?
  • Does coverage extend to my business vehicle?
  • Do I need replacement cost coverage on my 2005 Subaru Legacy?
  • What should my uninsured motorist coverage limits be in my state?
  • How high should deductibles be on a 2005 Subaru Legacy?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Parts of your auto insurance policy

Having a good grasp of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2005 Subaru Legacy.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability

Liability coverage protects you from damage that occurs to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, structural damage, repair costs for stationary objects and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for hospital visits, rehabilitation expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your Legacy resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Summing up your car insurance search

Consumers switch companies for any number of reasons including policy cancellation, poor customer service, lack of trust in their agent or high prices. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where someone sacrificed liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Throughout this article, we presented quite a bit of information on how to get a better price on 2005 Subaru Legacy insurance. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from a smaller regional carrier.

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