Cheapest 1998 Subaru Legacy Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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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 click to view form in new window. This method eliminates the need for separate forms for each company you want a rate for. Just one form gets rate comparisons direct from many companies.

Another way to shop for insurance online is going to the website for every company you want to comare and request a quote. For example, let’s say you want rates from GEICO, State Farm and Liberty Mutual. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is quicker.

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

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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!

Frequently Asked Questions

How can I find the cheapest insurance for my 1998 Subaru Legacy?

To find the cheapest insurance for your 1998 Subaru Legacy, there are a few steps you can take:

  1. Shop around: Get quotes from multiple insurance companies to compare their rates. This will help you identify the most affordable options available to you.
  2. Maintain a clean driving record: Insurance companies often offer lower rates to drivers with a clean driving history. Avoid accidents and traffic violations to keep your record in good standing.
  3. Increase your deductible: Opting for a higher deductible means you’ll have to pay more out of pocket in the event of a claim, but it can lower your insurance premium.
  4. Consider your coverage needs: Review your insurance coverage to ensure you’re only paying for what you need. If your vehicle is older and has a lower market value, you may be able to drop certain optional coverages to save money.
  5. Look for discounts: Inquire about any available discounts from insurance providers. Some common discounts include multi-policy discounts (if you have other insurance policies with the same company), good student discounts, and discounts for safety features installed in your vehicle.

Are there any specific insurance providers that offer affordable coverage for a 1998 Subaru Legacy?

Many insurance providers offer coverage for a 1998 Subaru Legacy, and the affordability of their rates can vary. It’s recommended to obtain quotes from multiple insurance companies to compare their rates and find the most affordable option for your specific circumstances. Some well-known insurance companies you may consider contacting include Progressive, Geico, State Farm, Allstate, and Farmers Insurance, among others.

Are there any factors that can affect the cost of insurance for a 1998 Subaru Legacy?

Yes, several factors can influence the cost of insurance for a 1998 Subaru Legacy. These factors include:

  • Driver’s age and driving record: Younger drivers or those with a history of accidents or traffic violations may face higher insurance premiums.
  • Location: Insurance rates can vary depending on where you live. Areas with higher rates of accidents or thefts may result in higher premiums.
  • Vehicle usage: The frequency of use and mileage of your vehicle can affect your insurance rates. If you use your car for long commutes or business purposes, it may impact your premiums.
  • Deductible and coverage limits: Higher deductibles and lower coverage limits can reduce your insurance premium but will require you to pay more out of pocket in the event of a claim.
  • Insurance history: If you have a history of continuous insurance coverage without lapses, it can have a positive impact on your rates.

Are there any specific safety features that can help reduce insurance costs for a 1998 Subaru Legacy?

Yes, certain safety features in your 1998 Subaru Legacy may help reduce insurance costs. While safety features available in older vehicles like the 1998 Subaru Legacy may not be as advanced as in newer models, you can still benefit from features such as:

  • Anti-lock braking system (ABS): Having ABS installed can improve braking control and reduce the risk of accidents.
  • Airbags: Make sure your vehicle is equipped with front airbags, as they provide additional safety in case of a collision.
  • Anti-theft devices: Installing security features like an alarm system or an immobilizer can deter theft and may lower your insurance premium.

Can the market value of a 1998 Subaru Legacy affect insurance costs?

Yes, the market value of a 1998 Subaru Legacy can impact insurance costs. Insurance companies consider the market value of a vehicle when determining premiums. Generally, older vehicles have lower market values, which can result in lower insurance costs compared to newer models. However, it’s important to note that other factors, such as the vehicle’s safety features, your driving history, and location, also play a role in determining insurance premiums.

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