Lower Your 2012 Subaru Legacy Car Insurance Rates

Trying to find lower car insurance rates for your Subaru Legacy? Feel like you’re a prisoner to high-priced car insurance? Believe me, you’re not alone. With consumers having so many different company options, it is very difficult to locate the most affordable car insurance company.

Consumers need to price shop coverage periodically because rates are usually higher with each renewal. If you had the best rates on Legacy coverage on your last policy you can probably find a lower rate today. So just ignore everything you know about car insurance because I’m going to teach you the best methods to save money, get proper coverage and the best rates.

Discounts mean cheaper Subaru Legacy insurance rates

Companies that sell car insurance don’t always publicize every discount very well, so here is a list both well-publicized and the harder-to-find savings tricks you should be using. If you don’t get every credit available, you’re just leaving money on the table.

  • Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
  • Defensive Driver – Completing a driver safety course could cut 5% off your bill depending on where you live.
  • Auto/Home Discount – If you have multiple policies with one company you will save approximately 10% to 15%.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Paperless Signup – A few companies will give a small break simply for signing on their website.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.

Consumers should know that most credits do not apply to the entire cost. Most cut specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.

Insurance companies that may offer these money-saving discounts include:

Double check with every prospective company how you can save money. Savings may not apply everywhere.

Quick Insurance Quotes

All major insurance companies quote coverage price quotes online. This process doesn’t take much effort as you just enter your required coverages as requested by the quote form. After you submit the form their system pulls credit information and your driving record and generates pricing information determined by many factors. Online quotes makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step in order to find the best price on insurance.

A more efficient way to compare insurance pricing uses one form that gets prices from a lot of companies. It saves time, eliminates repetitive work, and makes online shopping much simpler. After sending your information, it gets priced and you can choose any of the quote results. If you find a better price it’s easy to complete the application and buy the policy. This process takes just a few minutes to complete and you’ll know if lower rates are available.

To save time and find out how much you can save on insurance, click here to open in new window and input your coverage information. If you currently have coverage, we recommend that you enter your coverages as close as possible to your current policy. This ensures you will have an apples-to-apples comparison for similar insurance coverage.

Factors that can influence insurance rates for a Subaru Legacy

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

Listed below are a partial list of the pieces used by your company to calculate premiums.

  • Traffic citations inflate rates – Drivers with clean records get better rates compared to drivers with tickets. Even one speeding ticket may increase your cost by as much as thirty percent. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Extra add-on coverages are wasting money – There are many extra coverages that can waste your money on your auto insurance policy. Insurance for vanishing deductibles, accident forgiveness and membership fees are examples of these. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Lower deductibles cost more – The deductibles define the amount you are willing to pay before your auto insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The more money you’re willing to pay, the bigger discount you will receive on Legacy coverage.
  • Liability coverage is cheap – Liability coverage is the coverage that protects you if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • How your age affects price – Teenage drivers are known to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • Never let your coverage lapse – Driving without insurance is against the law and your next policy will cost more because you let your insurance lapse. Not only will rates go up, getting caught without coverage might get you a hefty fine and possibly a revoked license.Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Tailor your coverage to you

When choosing proper insurance coverage, there is no “perfect” insurance plan. Every situation is different so your insurance should reflect that For instance, these questions may help highlight whether you may require specific advice.

  • What can I do if my company denied a claim?
  • Do I really need UM/UIM coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • What if I owe more than I can insure my car for?
  • When should I drop full coverage on my 2012 Subaru Legacy?
  • How much can I save by bundling my policies?
  • Should I get collision insurance on every vehicle?
  • Does car insurance cover theft of personal property?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a 2012 Subaru Legacy

Knowing the specifics of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a bird and theft. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for X-ray expenses, ambulance fees, prosthetic devices and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverage

This can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for 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. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, medical expenses, bail bonds, repair costs for stationary objects and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision coverage pays for damage to your Legacy resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Online plus local equals savings

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

We just covered many ways to reduce 2012 Subaru Legacy insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance coverage comes from the least-expected company. Some small companies often have lower prices on specific markets as compared to the big name companies such as Allstate and Progressive.

For more information, take a look at these articles: