Cheaper 1998 Subaru Legacy Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 19, 2020

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Are you tired of robbing Peter to pay Paul to buy car insurance? Your situation is no different than the majority of other car owners.

There are many insurers to purchase coverage from, and although it’s nice to be able to choose, it makes it harder to adequately compare rates.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Nevertheless, consumers must understand the methods companies use to sell online.

Cheap Insurance Comparisons

The are a couple different ways of comparing rates from different insurance companies. The fastest way to compare 1998 Subaru Legacy insurance prices involves getting comparison quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

One of the simplest ways to get the best comparison quotes would be an industry-wide quote request form For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just compare identical quote information for every company. If you have different liability limits it will be next to impossible to make an equal comparison. Slightly different coverages could mean much higher rates. It’s important to know that obtaining a wide range of quotes provides better odds of finding better pricing.

How much car insurance do I need?

When choosing proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining whether your personal situation might need professional guidance.

  • When would I need rental car insurance?
  • How many claims can I have before being canceled?
  • Where can I get insurance after a DUI in my state?
  • How high should deductibles be on a 1998 Subaru Legacy?
  • Do I need replacement cost coverage on my 1998 Subaru Legacy?
  • Does having multiple vehicles earn me a discount?
  • How does medical payments coverage work?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Auto insurance coverage considerations

Having a good grasp of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from auto insurance companies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout a auto 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 dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision insurance

Collision insurance will pay to fix damage to your Legacy caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability insurance

This coverage provides protection from damage that occurs to other people or property in an accident. This coverage 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. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things like legal defense fees, attorney fees, loss of income and bail bonds. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like nursing services, funeral costs, EMT expenses, doctor visits and chiropractic care. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Use our FREE quote tool to compare rates now!

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