Cheapest 2000 Subaru Legacy Insurance Rates in 2023

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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 2, 2023

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Want better insurance coverage rates for your Subaru Legacy? Trying to find better insurance prices for a Subaru Legacy can normally be difficult, but you can use the following methods and make it easy.

There is a better way to shop for insurance coverage and you need to know the best way to get price quotes on a Subaru and obtain the cheapest rates from local insurance agents and online providers.

Pricing the lowest cost coverage is easy if you know what you’re doing. If you are insured now or need a new policy, you will benefit by learning to find the best rates and still get good coverage. Vehicle owners only need an understanding of how to get comparison rates on the web.

Low Cost Auto Insurance

Reducing your 2000 Subaru Legacy insurance rates can be surprisingly simple. The only thing you need to do is spend a little time to compare quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This form keeps you from doing repetitive form submissions for each company. One quote request will return price quotes instantly. It’s the fastest way to compare.
  2. A different way to get comparison quotes requires a trip to each company’s website to complete a price quote. For instance, let’s assume you want to compare rates from USAA, Progressive and American Family. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The least efficient method of getting rate comparisons is to drive around to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the professional advice of a licensed agent. It is possible to find lower rates online but buy from a local insurance agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same deductibles and coverage limits for every company. If each company quotes different deductibles it will be next to impossible to make an equal comparison.

Save $495 a year? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by Progressive, Allstate and GEICO. They all seem to have a common claim that you’ll save big after switching to their company.

But how can every company make almost identical claims? This is how they do it.

All the different companies have a certain “appetite” for the type of customer they prefer to insure. For example, a desirable insured might be over the age of 50, insures multiple vehicles, and has great credit. A driver who matches those parameters gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who do not match these standards will have to pay a higher premium and this can result in the customer not buying. The ad wording is “customers who switch” not “people who quote” save that kind of money. That’s why companies can claim big savings.

Because of the profiling, it is so important to get as many quotes as possible. It’s not possible to predict the company that will have the lowest Subaru Legacy insurance rates.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be asked for before being credited. If you’re not getting every credit possible, you’re paying more than you need to.

  • Own a Home – Owning a home can help you save on insurance due to the fact that maintaining a home shows financial diligence.
  • Safe Drivers – Safe drivers may save up to 50% more on Legacy insurance than drivers with accidents.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.

Consumers should know that some credits don’t apply the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you’re out of luck. But all discounts will cut the cost of coverage.

To see a list of insurance companies offering insurance discounts, click this link.

When should I use an insurance agent?

When choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions might point out whether you may require specific advice.

  • When should I drop full coverage on my 2000 Subaru Legacy?
  • Who is covered when they drive my 2000 Subaru Legacy?
  • Do I need more liability coverage?
  • How high should my medical payments coverage be?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if I crash into my own garage door?
  • Do I need roadside assistance coverage?
  • Do I really need UM/UIM coverage?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Free Auto Insurance Comparison

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Car insurance coverages explained

Having a good grasp of a car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as doctor visits, hospital visits, nursing services and dental work. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage

Liability insurance provides protection from damage or injury you incur to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, medical expenses, attorney fees, bail bonds and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM Coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Subaru Legacy.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Collision insurance

This pays for damage to your Legacy from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, crashing into a building, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, fire damage and vandalism. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Be a smart shopper

People who switch companies do it for any number of reasons including denial of a claim, policy non-renewal, unfair underwriting practices or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching insurance companies is easier than you think.

Low-cost 2000 Subaru Legacy insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

You just read many tips how you can get a better price on insurance. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company.

Much more information about insurance is located below:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest auto insurance rates for my 2000 Subaru Legacy in 2023?

To find the cheapest auto insurance rates for your 2000 Subaru Legacy, you can use the following methods:

  • Spend a little time comparing quotes from different insurance companies.
  • Make sure to compare quotes with the same deductibles and coverage limits from each company for an accurate comparison.

Is it true that I can save $495 a year on my auto insurance?

While some car insurance companies claim that you can save a significant amount by switching to their company, it’s important to understand that the savings may vary for each individual. Different insurance companies have different preferences for the type of customer they want to insure, and certain factors such as age, number of vehicles insured, and credit score can influence the rates. To maximize your savings, it’s advisable to obtain quotes from multiple insurance companies and compare them.

Are there any discounts available for auto insurance coverage?

Yes, there are various discounts available for auto insurance coverage that you may be eligible for. While some discounts are automatically applied at the time of quoting, others may need to be requested. It’s important to inquire about all possible discounts to ensure you’re not paying more than necessary. Examples of discounts include safe driver discounts, multi-policy discounts, and good student discounts.

When should I use an insurance agent?

The decision to use an insurance agent depends on your individual circumstances. While there isn’t a one-size-fits-all policy, there are certain situations where consulting an insurance agent can be beneficial. For example, if you have specific questions about your coverage needs or if you’re unsure about certain aspects of your policy, an insurance agent can provide personalized advice and guidance. To find a local agent and obtain lower rates, you can complete a form to connect with an agent.

What are the different car insurance coverages explained?

Understanding the different car insurance coverages is essential when choosing the right coverage for your needs. Here are a few key coverages:

  • Medical Payments and Personal Injury Protection (PIP): These cover immediate medical expenses for you and your passengers in case of an accident.
  • Liability Coverage: This coverage protects you from claims made by others for damage or injury caused by your vehicle. It includes bodily injury and property damage limits.
  • Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
  • Collision Insurance: This coverage pays for damage to your vehicle in the event of a collision with another vehicle or object, subject to a deductible.
  • Comprehensive or Other Than Collision Coverage: This coverage pays for damage to your vehicle caused by events other than collisions, such as fire, theft, or vandalism. A deductible applies.

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