Cheap 2018 Subaru Legacy Insurance Cost 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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Did you fall for a flashy sales pitch and buy an expensive insurance coverage policy? It’s a common feeling and many consumers are in the same pinch.

Insurance companies such as Allstate, Liberty Mutual and State Farm persistently shower you with advertising and it can be hard to ignore the propoganda and take the time to shop coverage around.

It is always a good idea to compare prices every six months since prices tend to go up over time. Even if you got the best quotes on Legacy insurance last year other companies may now be cheaper. Don’t believe everything you read about insurance coverage online but in a few minutes you can learn some of the best ways to quit paying high insurance coverage rates.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Buying car insurance is quite easy. But vehicle owners must learn the methods companies use to price online insurance and apply this information to your search.

These discounts can lower insurance coverage rates

Insurance coverage is expensive, but you can get discounts that many people don’t even know exist. Many discounts should be triggered when you quote, but a few must be specially asked for prior to receiving the credit. If you do not double check each discount you qualify for, you are just wasting money.

  • Paper-free Discount – Certain insurance companies provide a small discount for completing your application on the web.
  • Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and that can save you a little bit as well.
  • Early Renewal Discounts – A few larger companies allow discounts for buying a policy prior to your current policy expiring. This discount can save up to 10%.
  • Low Mileage Discounts – Maintaining low annual mileage can earn better insurance coverage rates on cars that stay parked.
  • No Claims – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote in comparison with accident-prone drivers.
  • More Vehicles More Savings – Purchasing coverage when you have multiple vehicles on the same insurance coverage policy can get a discount for every vehicle.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Allstate, State Farm and GEICO permit an accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Senior Citizens – Drivers over the age of 55 could receive a slight reduction on a auto insurance quote on Legacy insurance.

A little note about advertised discounts, some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you could get a free insurance coverage policy, it doesn’t quite work that way. But any discount should definitely cut your policy cost.

A list of insurance coverage companies and their possible discounts are outlined below.

  • Farmers Insurance may have discounts that include multi-car, teen driver, early shopping, pay in full, and distant student.
  • State Farm may offer discounts for student away at school, multiple autos, multiple policy, safe vehicle, Drive Safe & Save, passive restraint, and defensive driving training.
  • Liberty Mutual discounts include hybrid vehicle, new move discount, newly married, preferred payment discount, multi-policy, new graduate, and good student.
  • MetLife has savings for multi-policy, good driver, good student, defensive driver, accident-free, claim-free
  • Progressive offers discounts for online quote discount, homeowner, continuous coverage, multi-vehicle, multi-policy, good student, and online signing.

If you want low cost auto insurance quotes, ask all the companies which credits you are entitled to. Some discounts may not be available everywhere. To see insurers that provide some of the discounts listed above, enter your zip code here.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out if you might need an agent’s assistance.

  • Do all my vehicles need collision coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage when making deliveries for my home business?
  • How much liability coverage do I need in my state?
  • How high should deductibles be on a 2018 Subaru Legacy?
  • Do I need an umbrella policy?
  • Is my custom paint covered by insurance?
  • Am I covered when driving a rental car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete your zip code.

Insurance coverages and their meanings

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Legacy.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liability limits.

Coverage for liability

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

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 values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like structural damage, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Medical expense coverage

Med pay and PIP coverage reimburse you for immediate expenses such as nursing services, funeral costs, dental work, X-ray expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage covers damage to your Legacy caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, theft, a broken windshield and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Make a quick buck

Cheaper 2018 Subaru Legacy insurance is possible from both online companies and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance coverage companies don’t offer rates over the internet and most of the time these smaller companies only sell coverage through local independent agencies.

We just presented some good ideas how you can lower your 2018 Subaru Legacy insurance prices. The most important thing to understand is the more times you quote, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the lowest priced insurance coverage comes from a small local company. Smaller companies often have lower rates on specific markets than the large multi-state companies such as State Farm or Progressive.

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