View 2013 Subaru Legacy Car Insurance Rates

Looking for cheaper insurance rates for your Subaru Legacy? I can’t think of anyone who likes paying for insurance, particularly when they are paying too much.

Many insurers vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the lowest price

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Buying car insurance is not rocket science. Although consumers must learn the methods companies use to price online insurance because it can help you find the best coverage.

Save big with these discounts

Companies offering auto insurance don’t list all their discounts very well, so we took the time to find both the well known as well as the least known ways to save on insurance.

  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance.
  • Organization Discounts – Belonging to a civic or occupational organization may earn a discount when buying insurance on Legacy insurance.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Student in College – Kids in college who live away from home and don’t have a car can be insured at a reduced rate.
  • Defensive Driving Course – Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save up to 5%.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, insurance companies aren’t that generous.

Car insurance companies that possibly offer these benefits are:

Double check with every prospective company which discounts you may be entitled to. Some discounts might not apply in your area.

How to Get Car Insurance

There are multiple methods to compare 2013 Subaru Legacy car insurance quotes, but some are easier and takes less work. You could spend the better part of a day talking to local insurance agents in your area, or you could save time and use the internet to get prices fast.

Most of the larger companies enroll in a system where prospective buyers send in one quote, and at least one company provides a quote. This system prevents you from having to do repetitive form submissions for each company. To compare 2013 Subaru Legacy rates now click here (opens in new window).

The one disadvantage to doing it this way is you don’t know exactly the providers to receive prices from. If you prefer to choose from a list of companies to receive pricing from, we put together a list of car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you’re using the exact same coverages and limits with each company. If you have higher or lower deductibles you can’t possibly truly determine the lowest rate. Just a small difference in coverages may result in a large different in cost. And when comparing car insurance rates, know that obtaining a wide range of quotes gives you a better chance of getting a better price.

Some factors that can determine what Subaru Legacy insurance costs

An important part of buying insurance is that you know some of the elements that go into determining your car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

Listed below are some of the factors used by your company to calculate your rates.

  • Do men or women drive better? – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. They both are in accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • Lower rates come with age – More mature drivers are more responsible, file fewer claims and are safer drivers. Youthful drivers have a tendency to be less responsible when driving and because of this, their car insurance rates are much higher.
  • Do you need the policy add-ons? – There are a ton of add-on coverages you can purchase if you aren’t careful. Insurance for vanishing deductibles, better glass coverage and membership fees are some examples. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • High credit ratings translate to low rates – Credit score is a huge factor in your rate calculation. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower ratings. So if your credit rating is low, you could save money insuring your 2013 Subaru Legacy by spending a little time repairing your credit.

But I don’t know anything about car insurance

When buying proper insurance coverage, there really is no “perfect” insurance plan. Each situation is unique so this has to be addressed. For instance, these questions may help you determine if your insurance needs might need professional guidance.

  • Am I better off with higher deductibles on my 2013 Subaru Legacy?
  • Should I carry comprehensive and collision coverage?
  • What is PIP insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Is motorclub coverage worth it?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions, you might consider talking 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.

What insurance coverages do you need?

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Liability coverages – Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like medical services, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, rock chips in glass, fire damage, hail damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage – This gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Legacy.

Because many people 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.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, colliding with another moving vehicle, backing into a parked car and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for funeral costs, chiropractic care, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Quote often and quote early

We’ve covered many ways to shop for 2013 Subaru Legacy insurance online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from a small mutual company. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

Affordable insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Additional insurance information is available on the following sites: