Lower Your 2016 Subaru Legacy Insurance Cost in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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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Drivers have many options when trying to find affordable Subaru Legacy insurance. They can either waste time contacting agents to compare prices or utilize the internet to find the lowest rates.

There are both good and bad ways to shop for insurance and you need to know the quickest way to compare rates for your Subaru and obtain the best price possible either online or from local insurance agents.

You should take the time to do price comparisons before your policy renews because rates are rarely the same from one policy term to another. Just because you found the lowest rate for Legacy insurance six months ago a different company probably has better prices today. Ignore everything you know about insurance because you’re about to find out the fastest and easiest way to get good coverage at a lower rate.

If you have insurance now or need a new policy, you will benefit by learning to find the best rates while maximizing coverage. This information will help educate you on the best way to quote coverages and some tips to save money. Vehicle owners only need to know the tricks to shop their coverage around online.

Insurance companies offer many discounts

Insurance is neither fun to buy or cheap, but you might already qualify for some discounts to help bring down the price. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specifically requested in order for you to get them.

  • Discount for Multiple Policies – If you insure your home and vehicles with the same insurance company you may earn nearly 15% which can help you find cheaper insurance.
  • Save with a New Car – Buying insurance coverage on a new vehicle can save you some money since newer vehicles are generally safer.
  • Discount for Switching Early – A few insurance companies allow discounts for switching companies prior to your current policy expiring. It can save you around 10%.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Active Service Discounts – Having a deployed family member could trigger a small discount.
  • Smart Student Discounts – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you up to age 25.

You should keep in mind that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, company stockholders wouldn’t be very happy. But all discounts should definitely cut the premium cost.

A few popular companies and some of the discounts can be found below.

  • GEICO includes discounts for federal employee, five-year accident-free, seat belt use, anti-lock brakes, anti-theft, multi-vehicle, and membership and employees.
  • Travelers discounts include save driver, hybrid/electric vehicle, multi-car, driver training, and payment discounts.
  • Nationwide policyholders can earn discounts including accident-free, defensive driving, anti-theft, easy pay, good student, and Farm Bureau membership.
  • Farmers Insurance may offer discounts for multi-car, youthful driver, bundle discounts, business and professional, switch companies, and homeowner.
  • Esurance offers premium reductions for renters, multi-policy, anti-lock brakes, Pac-12 alumni, and emergency road assistance.
  • State Farm may include discounts for safe vehicle, student away at school, defensive driving training, multiple policy, multiple autos, passive restraint, and accident-free.
  • Progressive has discounts for online signing, online quote discount, multi-vehicle, continuous coverage, good student, homeowner, and multi-policy.
  • Mercury Insurance offers discounts including multi-policy, good driver, accident-free, multi-car, and location of vehicle.

When getting free insurance quotes, it’s a good idea to each company or agent which discounts they offer. All car insurance discounts might not apply in your area. To view providers who offer cheap insurance quotes, enter your zip code here.

How to compare free car insurance quotes

There are several ways to compare car insurance prices and some are easier and takes less work. You could waste time driving to insurance agencies in your area, or you could use the web to get prices fast.

Most of the best insurance companies enroll in a system where insurance shoppers submit one quote, and at least one company then gives them pricing based on the submitted data. This eliminates the need for repetitive form submissions to each company.

To compare pricing enter your zip code here.

The single downside to using this type of form is you don’t know exactly which insurance companies to get pricing from. So if you prefer to choose from a list of companies for rate comparison, we have a listing of the cheapest car insurance companies in your area. Click to enter zip code for insurance companies.

It’s up to you which method you use, but make sure you compare identical coverage data with every price quote. If each company quotes different liability limits it will be very difficult to get a fair rate comparison.

Do I just need basic coverages?

When it comes to buying coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • When should my teen driver be added to my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When can my company non-renew my policy?
  • Is a new car covered when I drive it off the dealer lot?
  • When should I buy a commercial auto policy?
  • How do I insure my teen driver?
  • Does having multiple vehicles earn me a discount?
  • Do I need Motor Club coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete your zip code. It only takes a few minutes and can provide invaluable advice.

Car insurance policy specifics

Understanding the coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for chiropractic care, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair bills for other people’s vehicles, medical expenses, structural damage, medical services and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive protection

This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, hail damage and damage from getting keyed. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This covers damage to your Legacy resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Subaru Legacy.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Online plus local equals savings

People change insurance companies for any number of reasons including policy non-renewal, poor customer service, policy cancellation and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching companies is not as hard as you think.

We’ve covered a lot of information how to compare 2016 Subaru Legacy insurance premium rates online. The key concept to understand is the more price quotes you have, the better likelihood of getting cheaper insurance. Consumers could even find that the lowest premium rates are with some of the lesser-known companies.

When searching for affordable insurance quotes, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

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