Cheapest 2008 Subaru Legacy Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Scraping up a payment for overpriced Subaru Legacy insurance can overdraw your savings account and make it hard to pay other bills. Doing a price comparison is a great way to reduce premiums and put more money in your pocket. Drivers have multiple insurers to insure vehicles with, and though it is a good thing to have multiple companies, having more insurance companies makes it harder to compare company pricing.
Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Drivers just need to understand how to compare rates online.
Factors that might impact rates for a Subaru Legacy
An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in big savings.
Listed below are some of the factors companies use to determine premiums.
- Frequent insurance claims increase rates – If you file claims often, you can look forward to higher rates. Insurance companies generally give better rates to drivers who file claims infrequently. Insurance coverage is intended for larger claims.
- Your job and insurance rates – Occupations like judges, social workers and accountants tend to have higher rates than average attributed to stressful work requirements and lengthy work days. On the flip side, jobs such as pilots, athletes and retirees receive lower rates for Legacy insurance.
- Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can get you a discount on your insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
- Where you reside plays a part – Being located in small towns and rural areas is a positive aspect when talking about insurance. Drivers who live in large cities have more traffic problems and a longer drive to work. Lower population translates into fewer accidents.
- Credit scores impact insurance rates – A driver’s credit score is a large factor in determining what you pay for insurance. Therefore, if your credit is lower than you’d like, you could save money insuring your 2008 Subaru Legacy by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
- Discounts for multiple policies – Most insurance companies will award you with lower prices to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to shop around to verify if the discount is saving money.
- The more you drive the more you pay – The higher the mileage driven each year the more you will pay for insurance. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate than vehicles that are driven to work every day. Improper usage on your Legacy can result in significantly higher rates. Make sure your insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
Don’t overlook these discounts
Companies do not advertise every discount in a way that’s easy to find, so we break down some of the more common and the more hidden ways to save on insurance. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
- Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Legacy insurance depending on your company.
- Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
- Low Mileage – Keeping the miles down on your Subaru can earn a substantially lower rate.
- Club Memberships – Belonging to a qualifying organization may earn a discount on your policy for Legacy insurance.
- Lower Rates for Military – Having a family member in the military could mean lower rates.
- Student Driver Training – Require your teen driver to enroll in driver’s education in school.
- Good Students Pay Less – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.
A partial list of companies who might offer some of the above discounts include:
- 21st Century
- State Farm
- Liberty Mutual
Before buying, ask every prospective company how you can save money. Savings may not apply in every state.
Buyer beware of car insurance advertising tricks
Drivers can’t ignore all the ads for the lowest price auto insurance by State Farm, GEICO and Progressive. All the ads make an identical promise that you’ll save big if you move to their company.
But how can every company say the same thing? It’s all in the numbers.
All the different companies are able to cherry pick for the driver they prefer to insure. An example of a desirable insured could be between 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer who matches those parameters receives the best rates and therefore will save a lot of money.
Drivers who don’t qualify for this ideal profile must pay a higher premium which leads to the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save money. That’s the way companies can truthfully make the claims of big savings. This illustrates why you should compare as many rates as you can. It is impossible to predict which company will fit your personal profile best.
Is my situation unique?
When choosing coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions could help you determine whether you would benefit from an agent’s advice.
- Do I need higher collision deductibles?
- What happens if I owe more than my 2008 Subaru Legacy is worth?
- How do I buy GAP insurance?
- How can I get my company to pay me more for my totalled car?
- When would I need additional glass coverage?
- Do I need an umbrella policy?
- How high should my medical payments coverage be?
- Am I missing any policy discounts?
If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.
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The coverage is in the details
Learning about specific coverages of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.
Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like crashing into a ditch, hitting a parking meter, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Liability insurance – Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover 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 might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.
Liability can pay for claims such as court costs, bail bonds, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as much as you can afford.
Comprehensive auto coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a deer and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for surgery, ambulance fees and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Subaru Legacy.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Smart consumers save more
Budget-conscious 2008 Subaru Legacy insurance can be bought from both online companies in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.
While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an insured cut full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
More information can be found on the following sites:
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Electronic Stability Control FAQ (iihs.org)
- Senior Drivers (Insurance Information Insitute)
- Understanding your Policy (NAIC.org)
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