Compare 2024 Subaru Legacy Insurance Cost

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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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Having to pay for high-priced insurance can diminish your monthly budget and force you to cut corners elsewhere.

Due to the fact that there are so many options, it’s difficult to locate the cheapest company.

Finding affordable coverage is quite easy. If you have car insurance now, you will be able to save some money using this strategy. But drivers must learn how companies compete online.

Save a ton with discounts

Companies offering auto insurance don’t always list every available discount very clearly, so the following is a list of both the well known in addition to some of the lesser obvious ways to save on insurance coverage.

  • Drivers Education – Teen drivers should complete a driver education course in school or through a local driver safety program.
  • Discount for Home Ownership – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control can reduce accidents and will save you 10% or more.
  • Data Collection Discounts – Drivers who elect to allow companies to spy on when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot might see lower rates if they show good driving skills.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Senior Citizen Discount – Seniors may be able to get a slight reduction on a auto insurance quote on Legacy coverage.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more off PIP or medical payments premium.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the whole policy. Most cut individual premiums such as liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.

Insurance companies that have some of the above discounts include:

  • State Farm
  • Farmers Insurance
  • Progressive
  • Auto-Owners Insurance
  • The Hartford
  • Farm Bureau
  • USAA

If you need lower rates, check with every company what discounts are available to you. A few discounts might not be available to policyholders everywhere. To locate companies that offer many of these discounts, enter your zip code here.

Lower your insurance rates

Many different elements are used in the calculation when you get a price on insurance. Some are pretty understandable such as your driving history, but others are less apparent such as your credit history or how safe your car is. Smart consumers have a good feel for the different types of things that aid in calculating your premiums. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

  • Cautious drivers pay less – Having a clean driving record has a big impact on rates. Even one driving citation may cause rates to rise to the point where it’s not affordable. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who have gotten serious citations like reckless driving, hit and run or driving under the influence might be required by their state to file a SR-22 with the DMV in their state in order to keep their license.
  • How your age affects premiums – Teenage drivers are proven to be careless and easily distracted when driving with friends so they pay higher insurance coverage rates. Adding a beginning driver to your insurance coverage policy will cause a huge premium hike. Mature drivers are more cautious drivers, cause fewer claims and accidents and are safer drivers.
  • The more you drive the more you pay – The higher the mileage driven annually the more you’ll pay to insure your vehicle. The majority of insurers charge rates based upon how you use the vehicle. Cars and trucks left parked in the garage receive better premium rates than those used for commuting. Double check that your insurance coverage policy is rated on how each vehicle is driven, because improper ratings can cost you money. Having an incorrect usage rating on your Legacy is throwing money out the window.
  • Alarms and GPS tracking lower rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.
  • Urban areas may pay more – Being located in small towns and rural areas can be a good thing when it comes to insurance coverage. Less people translates into fewer accident claims in addition to lower liability claims Drivers in populated areas tend to have more auto accidents and a longer drive to work. More time on the road means a statistically higher chance of an accident.
  • Your employer and insurance coverage rates – Jobs like doctors, social workers and emergency personnel are shown to have the highest rates because of intense work requirements and extremely grueling work hours. On the flip side, jobs such as actors, athletes and retirees receive lower rates on Legacy coverage.
  • Cheaper rates after marriage – Walking down the aisle can actually save you money on your insurance coverage bill. Having a spouse translates into being more financially stable and insurance companies like that married drivers tend to have fewer serious accidents.

What is the best auto insurance coverage?

When buying coverage, there is no best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • Does my 2024 Subaru Legacy qualify for pleasure use?
  • Am I covered if I hit a deer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

What insurance coverages do you need?

Having a good grasp of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, fire damage and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2024 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. So UM/UIM coverage is very important.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others, 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 liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, pain and suffering and medical expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, crashing into a ditch, backing into a parked car, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as EMT expenses, X-ray expenses, nursing services, pain medications and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

A little work can save a LOT of money

Lower-priced 2024 Subaru Legacy insurance is definitely available both online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance coverage companies may not provide the ability to get a quote online and most of the time these small, regional companies prefer to sell through independent insurance agents.

When searching for low cost auto insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

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