Cheaper 2017 Subaru Legacy Car Insurance Rates 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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If you’re new to shopping for car insurance quotes online, it’s easy to be confused by the vast assortment of companies all claiming to save you money.

Take advantage of every insurance coverage discount

Companies that sell car insurance don’t always publicize every discount available in a way that’s easy to find, so here is a list some of the best known and also the lesser-known insurance coverage savings.

  • Telematics Devices – Insureds who allow data collection to scrutinize driving patterns remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they show good driving skills.
  • Discount for New Cars – Putting insurance on a new car can cost up to 25% less since newer models are generally safer.
  • ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as State Farm and Progressive may permit one accident without the usual rate increase as long as you don’t have any claims for a specific time period.
  • Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you can actually save on your bill.
  • Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates for Legacy insurance compared to rates paid by drivers with frequent claims.
  • Mature Driver Discount – If you’re over the age of 55, you could receive lower premium rates for Legacy insurance.

Don’t be surprised that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

If you would like to see a list of insurance companies that offer some of these discounts, enter your zip code here.

Which auto insurance is cheapest?

Many insurance companies provide prices for coverage direct online. Getting prices online is pretty painless as all you need to do is type in the coverage amounts you desire into the quote form. Once entered, their quoting system automatically retrieves credit information and your driving record and returns a price based on the information you submitted.

Online price estimates makes comparing rates easy, but the work required to visit a lot of sites and type in your information can get tiresome after awhile. But it is imperative to get many rate quotes in order to get the best price on auto insurance.

The smarter way to lower your auto insurance bill makes use of a single form that gets price quotes from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much simpler. After sending the form, it is quoted and you can select your choice of the returned quotes. If the quotes result in lower rates, you can simply submit the application and buy the policy. It takes less than 15 minutes and can result in significant savings.

To compare rates now, simply enter your zip code here and enter your information. If you currently have coverage, we recommend you complete the form with the insurance coverages identical to your current policy. This helps ensure you will be getting a price comparison using the same coverage and limits.

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different.

For example, these questions might point out whether you might need an agent’s assistance.

  • When can I cancel my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • When should I buy a commercial auto policy?
  • Does liability extend to a camper or trailer?
  • Should I put collision coverage on all my vehicles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete your zip code.

Learn about car insurance coverages for a 2017 Subaru Legacy

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

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

Collision can pay for things such as scraping a guard rail, sideswiping another vehicle, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like chiropractic care, dental work, EMT expenses and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers 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.

Liability coverage – This coverage will cover damages or injuries you inflict on a person or their property. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of 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 liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like attorney fees, medical expenses and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, theft, hitting a deer and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More effort can pay off

Drivers leave their current company for many reasons like policy non-renewal, high prices, unfair underwriting practices and delays in responding to claim requests. Regardless of your reason, switching companies is not as hard as you think.

When trying to cut insurance costs, never reduce needed coverages to save money. In many cases, an accident victim reduced liability coverage limits only to discover later they didn’t have enough coverage. Your goal is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

We just showed you a lot of tips how to shop for 2017 Subaru Legacy insurance online. The most important thing to understand is the more you quote car insurance, the higher your chance of finding cheap car insurance. Drivers may discover the lowest rates are with a small mutual company.

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