2014 Subaru Legacy Insurance Rates
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UPDATED: Oct 3, 2017
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Average insurance rates for a 2014 Subaru Legacy are $1,224 a year for full coverage insurance. Comprehensive insurance costs an estimated $300 a year, collision costs $400, and liability insurance costs around $388. Buying a liability-only policy costs as low as $434 a year, with high-risk insurance costing $2,610 or more. Teenage drivers receive the highest rates at $4,482 a year or more.
Annual premium for full coverage: $1,224
Rate estimates for 2014 Subaru Legacy Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 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
For a middle-aged driver, prices range go from as low as $434 for basic liability insurance to a high of $2,610 for a high risk driver.
These differences illustrate why it is important for drivers to compare prices for a targeted area and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2014 Subaru Legacy Insurance
Cutting costs on car insurance is hard for people who are new to comparing rates online. People have so many choices that it can easily become a lot of work to find the best price.
If you have car insurance now, you stand a good chance to be able to cut costs considerably using these tips. This article will instruct you on how to get online quotes and some money-saving tips. But vehicle owners do need to understand the way insurance companies market on the web and apply this information to your search.
Don’t pay full price with these discounts
Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be specifically requested prior to getting the savings.
- New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
- Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
- Distant Student – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
- Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
- Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
- Accident Free – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.
- Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.
Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will reduce the amount you have to pay.
A partial list of companies that may have these discounts include:
Before buying, ask each company how you can save money. Discounts might not be offered everywhere.
The best way to compare policy rates utilizes the fact most larger insurance companies allow for online access to provide you with free rate quotes. All you need to do is provide the companies a bit of rating information including level of coverage desired, if you lease or own, if a SR-22 is needed, and the type of vehicles you drive. Your insurance information gets sent immediately to multiple top-rated companies and they return quotes very quickly.
To find lower rates now, click here and find out if lower rates are available.
Your personal situation dictates your coverage
When buying the best insurance coverage coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that may help highlight if you will benefit from professional help.
- Do I have newly-aquired coverage?
- Am I insured when driving a different vehicle?
- Are there companies who specialize in insuring high-risk drivers?
- How can I force my company to pay a claim?
- How high should deductibles be on a 2014 Subaru Legacy?
- How much can I save by bundling my policies?
- Do I need rental car coverage?
- Do I need roadside assistance coverage?
- Are rental cars covered under my policy?
If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.
Insurance coverage considerations
Knowing the specifics of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.
Coverage for liability
This protects you from damage or injury you incur to a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for claims like medical services, emergency aid, bail bonds, loss of income and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, dental work and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Coverage for collisions
This covers damage to your Legacy resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision can pay for claims like colliding with a tree, crashing into a building, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from flooding, falling objects, hail damage and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.
Quote often and quote early
When shopping online for car insurance, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
Cheaper 2014 Subaru Legacy insurance is available both online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and most of the time these smaller companies sell through independent agents.
In this article, we presented many ideas to get a better price on insurance. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the best prices are with a small mutual company.
Additional detailed information can be read at these sites:
Rates by U.S. City
|New York City, NY||$1,929|
|Los Angeles, CA||$2,091|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$84|
|5-yr Claim Free||$78|
|Paid in Full/EFT||$53|
Discounts are estimated and may not be available from every company or in every state.