Cheap 2013 Subaru Legacy Car Insurance Quotes in 2024

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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: Apr 22, 2024

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Purchasing the cheapest car insurance may seem to be challenging for people that are not comfortable with quoting and comparison shopping online. With so many agents and online companies available, how are people able to be able to compare them all to find the best available price?

You need to price shop coverage once or twice a year because car insurance prices are usually higher with each renewal. If you had the best deal on Legacy coverage a couple years back you can probably find a better rate now. Ignore everything you know about car insurance because I’m going to teach you one of the easiest ways to lower your annual insurance bill.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. Shopping for the cheapest auto insurance is easy if you know what you’re doing. But car owners do need to know the methods companies use to compete online and apply this information to your search.

Compare quotes for insurance coverage

The are a couple different ways of comparing rate quotes from many insurance coverage companies in your state. One of the best ways to compare 2013 Subaru Legacy insurance prices involves getting comparison quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way consumers can analyze rates is to use a rate comparison form. This style of form saves time by eliminating separate forms for every insurance coverage company. In just a few minutes this one form will return quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A less efficient way to analyze rates is to manually visit the website for every company you want to compare and get a separate price quote. For example, we’ll assume you want to compare GEICO, 21st Century and American Family. In order to compare rates, you need to navigate to each company’s site and punch in your information repeatedly, which is why the first method is more popular.

Whichever way you use, try to use equivalent coverage data with every price quote. If you are comparing unequal deductibles or liability limits then you won’t be able to make an equal comparison. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that comparing a large number of companies helps locate lower pricing. Not every company provides online price quotes, so you should also compare price quotes on coverage from those companies, too.

When in doubt talk to an agent

When it comes to choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • Can I afford to pay high deductible claims out of pocket?
  • How high should my uninsured/underinsured coverage be in my state?
  • Are rock chip repairs covered?
  • Am I covered if my car is in a flood?
  • Am I missing any policy discounts?
  • Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete your zip code.

Car insurance coverages for a Subaru Legacy

Knowing the specifics of a car insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like court costs, repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Collision insurance

Collision coverage will pay to fix damage to your Legacy caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, EMT expenses, surgery and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, theft and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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