2022 Subaru Legacy Insurance Rates in 2024 – 10 Policy Discounts

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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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Shoppers have many options when shopping for affordable Subaru Legacy insurance. They can either waste time driving around trying to get quotes or utilize the internet to make rate comparisons. There is a better way to compare insurance coverage rates and we’ll show you the absolute fastest way to compare rates for a new or used Subaru and obtain the best price possible from local insurance agents and online providers.

It’s a good habit to shop coverage around yearly because insurance coverage rates are constantly changing. Despite the fact that you may have had the lowest premium rates on Legacy coverage two years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. Consumers just need to understand the most efficient way to shop for insurance coverage online.

Don’t overlook these ten car insurance discounts

Some insurance providers do not advertise the entire discount list in an easy-to-find place, so the list below contains some of the more common and the harder-to-find discounts that may be available.

  • Safety Restraint Discount – Drivers who require all occupants to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Homeowners Savings – Owning your own home or condo can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
  • Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
  • Sign Online – Many insurance companies will give a small break just for signing your application on your computer.
  • Senior Discount – Drivers that qualify as senior citizens may qualify for a small discount on rates on Legacy coverage.
  • Multi-Vehicle Discounts – Drivers who insure multiple cars or trucks on one policy can get a discount for every vehicle.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Discount for Passive Restraints – Factory options such as air bags or automatic seat belts could see savings of 20 to 30 percent.
  • Bundle and Save – If you can combine your auto and home policy with one company you could save up to 20% off your total premium.
  • Student in College – Older children who are enrolled in a college that is more than 100 miles from home and leave their car at home could qualify for this discount.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride.

Some companies who may offer these discounts may include but are not limited to:

  • American Family
  • State Farm
  • 21st Century
  • Travelers

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering how you can save money. Some credits might not be available to policyholders in your area.

The best way to get policy rate comparisons is to know most insurance companies provide online access to quote your coverage. The only thing you need to do is provide the companies a bit of rating information such as whether or not you need a SR-22, the ages of drivers, if you lease or own, and an estimate of your credit level. Your insurance information gets transmitted to multiple companies and they respond with quotes very quickly.

To compare rates now, click here and find out if you can get cheaper insurance.

When to get professional advice

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help you determine whether your personal situation might need professional guidance.

  • When should I buy a commercial auto policy?
  • Should I buy additional glass protection?
  • How can I force my company to pay a claim?
  • Does my car insurance cover rental cars?
  • I have a DUI can I still get coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code. It only takes a few minutes and you can get the answers you need.

Are you falling for claims of savings?

Consumers constantly see and hear ads that promise big savings for switching from companies such as GEICO, State Farm and Progressive. All the companies advertise claims that you can save if you get a free insurance coverage quote and switch your insurance coverage to their company.

How is it plausible that every one can have lower policy pricing? This is how they do it.

Different companies have specific guidelines for a prospective insured they prefer to insure. For instance, a preferred risk could be between the ages of 30 and 50, owns their home, and drives a lower-performance vehicle. A customer who fits that profile will get a cheap rate quote as well as save some money.

Potential insureds who cannot meet those standards may be forced to pay more expensive rates and ends up with the customer buying from a different company. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” save that much money. That is how companies can make the claims of big savings. Because of this risk profiling, you really need to do a rate comparison at every renewal. It is just not possible to predict with any certainty which company will provide you with the cheapest premium rates.

Specific coverage details

Knowing the specifics of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for hospital visits, chiropractic care, ambulance fees and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive coverages – This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, a broken windshield and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Legacy.

Due to the fact that many 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 a good idea.

Liability car insurance – This coverage protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like repair costs for stationary objects, structural damage, attorney fees and bail bonds. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Collision – Collision insurance covers damage to your Legacy from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree, sideswiping another vehicle, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Make a quick buck

Drivers switch companies for a variety of reasons including denial of a claim, not issuing a premium refund, poor customer service or unfair underwriting practices. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

When getting insurance coverage quotes online, it’s very important that you do not skimp on coverage in order to save money. In many cases, consumers will sacrifice physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

Low-cost 2022 Subaru Legacy insurance can be bought online in addition to local insurance agencies, so you need to quote insurance coverage with both to have the best rate selection. Some insurance companies may not provide online quoting and many times these smaller providers only sell coverage through independent agents.

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