Cheapest 2009 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 4, 2023

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Want cheaper insurance coverage rates for your Subaru Legacy? Nobody I know cherishes buying insurance coverage, especially knowing their premiums are through the roof. With so many choices, it can be diffult for consumers to find the right insurer.

Buying car insurance is not that difficult. If you have insurance now or are looking for a new policy, you can learn to reduce the price you pay while maintaining coverages. Drivers just need to learn the most efficient way to find the lowest price online.

How to Compare Auto Insurance Costs

Finding a lower price on 2009 Subaru Legacy insurance can be relatively painless. You just have to take a few minutes comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The best way to find low rates is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotation requests for each company. Completing one form will return quotes direct from many companies.
  2. A more difficult way to obtain and compare quotes online consists of visiting the website of each company and request a quote. For sake of this example, we’ll assume you want comparison quotes from USAA, Progressive and Liberty Mutual. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular.For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using identical deductibles and coverage limits with each company. If you are comparing different limits and deductibles on each one you will not be able to decipher which rate is best.

Be sure to get all your discounts

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known auto insurance savings. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Clubs and Organizations – Being a member of a qualifying organization could trigger savings on your policy for Legacy insurance.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more for Legacy insurance than drivers with accidents.
  • Homeowners Pay Less – Owning a house can help you save on auto insurance because owning a home requires personal responsibility.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Legacy insurance depending on your company.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurance companies with discount auto insurance rates, click here to view.

How do I know if I need professional advice?

When choosing the best insurance coverage coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover if you would benefit from an agent’s advice.

  • When do I need to add a new car to my policy?
  • Is there coverage for injuries to my pets?
  • Do I benefit by insuring my home with the same company?
  • What is the rate difference between pleasure use and commuting?
  • Can I drive in Mexico and have coverage?
  • Should I buy full coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Free Auto Insurance Comparison

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Insurance coverage breakdown

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Uninsured or underinsured coverage – This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2009 Subaru Legacy.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage – Med pay and PIP coverage pay for bills for things like pain medications, X-ray expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision – This pays for damage to your Legacy resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance – Liability insurance protects you from damage that occurs to other people or property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like funeral expenses, attorney fees, bail bonds, court costs and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, rock chips in glass and falling objects. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

What factors can affect the cost of insurance for a 2009 Subaru Legacy?

The cost of insurance for a 2009 Subaru Legacy can be influenced by several factors, including your driving record, age, location, coverage limits, deductibles, and the insurance company you choose. Additionally, the overall safety ratings of the vehicle, its value, and the likelihood of theft or damage can also impact the insurance premium.

Is it necessary to purchase full coverage insurance for a 2009 Subaru Legacy?

The decision to purchase full coverage insurance for a 2009 Subaru Legacy depends on various factors, such as the value of the vehicle, your financial situation, and your risk tolerance. Full coverage typically includes both collision and comprehensive coverage, which protect against damage to your vehicle from accidents, theft, vandalism, and natural disasters. If your vehicle is older or its value has significantly depreciated, you may consider whether the cost of full coverage is worth it compared to the potential payout in case of a claim.

Can I drive my 2009 Subaru Legacy in Mexico and have insurance coverage?

Driving your 2009 Subaru Legacy in Mexico and having insurance coverage depends on the specific insurance policy you have. Some insurance policies may offer coverage for driving in Mexico, while others may not. It’s essential to review your policy or consult with your insurance provider to determine if your coverage extends to Mexico or if you need additional coverage for driving in that country.

How often should I review and update my insurance coverage for a 2009 Subaru Legacy?

It’s recommended to review and update your insurance coverage for a 2009 Subaru Legacy on an annual basis or whenever significant changes occur in your driving habits, lifestyle, or vehicle usage. Life events, such as moving to a new location, changes in employment, or purchasing a new car, can impact your insurance needs and may require adjustments to your coverage limits or policy.

Can I customize my insurance coverage for a 2009 Subaru Legacy?

Yes, you can often customize your insurance coverage for a 2009 Subaru Legacy to suit your specific needs. Insurance policies may offer additional optional coverages such as roadside assistance, rental car reimbursement, or gap coverage. Discuss your requirements with your insurance provider to understand the available options and choose the coverages that align with your preferences and budget.

What should I do if I’m involved in an accident with my 2009 Subaru Legacy?

If you’re involved in an accident with your 2009 Subaru Legacy, follow standard procedures such as ensuring everyone’s safety, contacting the necessary authorities, and exchanging information with the other party involved. It’s also crucial to promptly notify your insurance company about the incident and provide them with all relevant details. They will guide you through the claims process and assist in resolving any damages or injuries.

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