2002 Subaru Legacy Insurance Rates

Average insurance rates for a 2002 Subaru Legacy are $848 a year for full coverage. Comprehensive insurance costs around $172, collision costs $160, and liability insurance costs $380. Buying a liability-only policy costs as little as $428 a year, with high-risk insurance costing $1,796 or more. Teen drivers receive the highest rates at $3,322 a year or more.

Annual premium for full coverage: $848

Rate estimates for 2002 Subaru Legacy Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2002 Subaru Legacy models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

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These differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Are you intimidated by the dozens of insurance coverage company choices? Many other consumers are too. You have so many options available that it can quickly become a ton of work to find better rates.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. This information will teach you the best way to quote coverages and some money-saving tips. Nevertheless, vehicle owners must know how companies compete online.

Save with discounts on 2002 Subaru Legacy insurance

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. Some trigger automatically when you complete an application, but some must be asked for before you get the savings.

• Good Student – Getting good grades can save 20 to 25%. Earning this discount can benefit you until age 25.
• Government Employees – Employees or retirees of the government can save as much as 8% on Legacy insurance depending on your company.
• Paperwork-free – Some insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
• Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
• Distant Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
• Accident Forgiveness – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
• Auto/Life Discount – Some companies give a break if you buy life insurance.

It’s important to note that some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.

Companies that may offer some of the above discounts include:

• Esurance
• The Hartford
• AAA
• GEICO
• State Farm

Check with each insurance company what discounts are available to you. Discounts may not apply in your area.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions can help discover if your insurance needs will benefit from professional help.

• Can my teen driver be rated on a liability-only vehicle?
• Are my friends covered when driving my car?
• Is there coverage for injuries to my pets?
• How much liability coverage do I need in my state?
• Do I have any recourse if my insurance company denies a claim?
• Do I have coverage when making deliveries for my home business?
• Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage basics

Understanding the coverages of a car insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills such as EMT expenses, rehabilitation expenses, doctor visits, pain medications and chiropractic care. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage

This pays for damage to your Legacy resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, scraping a guard rail, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, bail bonds and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, a tree branch falling on your vehicle, theft, a broken windshield and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.

A fool and his money are soon parted

While you’re price shopping online, do not buy poor coverage just to save money. Too many times, an insured dropped liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at the best price.

Drivers switch companies for a variety of reasons including delays in responding to claim requests, policy cancellation, questionable increases in premium and even being labeled a high risk driver. Whatever your reason, finding a new company can be pretty painless.

We just presented many ways to reduce 2002 Subaru Legacy insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the most savings is with the least-expected company.

Other information

• Airbag FAQ (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• State Car Insurance Guides (GEICO)
• Older Drivers FAQ (iihs.org)

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