2013 Subaru Legacy Insurance Rates

Average insurance rates for a 2013 Subaru Legacy are $1,172 a year for full coverage insurance. Comprehensive costs around $288, collision costs $358, and liability insurance costs $390. Buying a liability-only policy costs as little as $438 a year, with high-risk insurance costing around $2,496. Teen drivers receive the highest rates at $4,322 a year or more.

Annual premium for full coverage: $1,172

Rate estimates for 2013 Subaru Legacy Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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

View Chart as Image

These differences illustrate why everyone 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.

I can’t think of anyone who enjoys paying for insurance, especially when the cost is too high. Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the cheapest price

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but lesser-known reductions have to be specifically requested before you get the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

• Military Discounts – Having a family member in the military could mean lower rates.
• Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
• Save with a New Car – Insuring a new car is cheaper since new cars are generally safer.
• Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Legacy coverage with certain companies.
• Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
• Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less on Legacy coverage than drivers with accidents.
• One Accident Forgiven – A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
• E-sign – A few companies will give a small break just for signing your application on their website.
• Low Mileage Discounts – Driving fewer miles could qualify for better rates on cars that stay parked.

As a disclaimer on discounts, most discounts do not apply the whole policy. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

Insurance companies that may offer these money-saving discounts include:

• State Farm
• GEICO
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

It’s a good idea to ask each insurance company which discounts they offer. Savings may not apply in your state.

Auto Insurance Quote Comparison

Finding a better price on auto insurance can be relatively painless. All that’s required is to spend a little time to get quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

1. The best way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating separate quote forms for each company. One simple form gets you coverage quotes from multiple companies.
2. Another way to find lower rates is to manually visit the website for each individual company to complete a price quote. For examples sake, let’s say you want rates from Auto-Owners, Liberty Mutual and Allstate. To get each rate you have to visit each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but be sure to compare the exact same coverages and limits for each price quote. If you use different deductibles it’s not possible to truly determine the lowest rate.

Situations that might require an agent

When it comes to choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining whether you will benefit from professional help.

• Is my teenager covered with friends in the car?
• If my 2013 Subaru Legacy is totaled, can I afford another vehicle?
• How can I find cheaper teen driver insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does my insurance cover my expensive audio equipment?
• What discounts do I qualify for?
• Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance specifics

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like emergency aid, structural damage, loss of income, medical services and attorney fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

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

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance will pay to fix damage to your Legacy caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, hitting a mailbox, damaging your car on a curb, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as pain medications, doctor visits, ambulance fees and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass, hitting a deer, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Save your hard earned cash

The cheapest 2013 Subaru Legacy insurance can be found on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

You just read quite a bit of information on how to save on insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. In too many instances, someone sacrificed full coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at a price you can afford.

Much more information about auto insurance can be found at the links below

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Auto Insurance Basics (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)