View 2021 Subaru Legacy Insurance Quotes in 2024

Looking for lower auto insurance rates for your Subaru Legacy? Do you think you bought an expensive auto insurance policy? Say no more because you are not the only one feeling buyer’s remorse. Since consumers have many insurance providers from which to choose, it can be difficult for drivers to pick the cheapest auto insurance company.

It’s important to price shop coverage yearly because auto insurance rates change regularly. Even if you think you had the best deal for Legacy coverage a year ago a different company probably has better prices today. There is too much inaccurate information about auto insurance online but in this article, you’re going to get some good information on how to slash your auto insurance rates.

Choosing the best insurance company for you is not that difficult. If you have insurance now or are just looking to switch companies, you can follow these tips to reduce the price you pay and possibly find even better coverage. Drivers just need to know the most efficient way to compare price quotes online.

Auto Insurance Discounts

Some insurance providers don’t list every possible discount in an easy-to-find place, so here is a list some of the more common and the harder-to-find ways to save on auto insurance.

• Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a car insurance quote.
• Paperwork-free – A handful of insurance companies will give you a small discount get car insurance online.
• Senior Discount – If you qualify as a senior citizen, you could receive reduced rates for Legacy coverage.
• Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
• Seat Belt Usage – Requiring all passengers to buckle up could cut 10% or more off the medical payments premium.
• Discount for Home Ownership – Being a homeowner can help you save on auto insurance because it requires personal responsibility.
• Active Service Discounts – Being on active deployment in the military could trigger a small discount.
• No Accidents – Insureds who avoid accidents and claims pay much less when compared to drivers who are more careless.
• Discount for Good Grades – Performing well in school may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students well after school through age 25.
• Discounts for Multiple Vehicles – Buying insurance for all your vehicles with one company can reduce rates for all insured vehicles.

A quick disclaimer, some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will cut the cost of coverage.

The best auto insurance companies and some of the discounts are outlined below.

• State Farm offers discounts for accident-free, passive restraint, good driver, good student, multiple autos, and Steer Clear safe driver discount.
• American Family offers discounts including Steer into Savings, defensive driver, multi-vehicle, good driver, bundled insurance, accident-free, and TimeAway discount.
• AAA may offer discounts for multi-policy, AAA membership discount, multi-car, anti-theft, and good student.
• GEICO has savings for defensive driver, air bags, military active duty, emergency military deployment, and membership and employees.
• Mercury Insurance may include discounts for age of vehicle, annual mileage, accident-free, type of vehicle, low natural disaster claims, and multi-policy.
• Farmers Insurance discounts include business and professional, good student, early shopping, pay in full, and bundle discounts.
• Progressive has discounts for multi-policy, good student, multi-vehicle, online quote discount, online signing, and continuous coverage.

When comparing rates, check with each company to give you their best rates. Some discounts might not apply in your area. For a list of insurers that offer discounts, enter your zip code here.

Shop auto insurance online

Comparing auto insurance rates is a ton of work if you aren’t aware of the most efficient way. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you could use online quoting to get pricing more quickly.

The majority of car insurance companies belong to a marketplace that enables customers to only type in their quote data once, and each participating company can provide price quotes determined by their information. This eliminates the need for quote requests for each company you want a rate for. To submit your quote information now, enter your zip code here.

The only downside to using this type of form is you cannot specify the providers you want pricing from. If you would rather choose specific providers for rate comparison, we have a page of companies who write auto insurance in your area. Click to enter zip code.

Whichever way you choose to compare rates, make absolute certain that you use the exact same quote data for every company. If you have higher or lower deductibles it will be nearly impossible to find the best deal for your Subaru Legacy.

Insurance prices are influenced by these factors

Lots of factors are used in the calculation when premium rates are determined. Some of the criteria are obvious such as traffic violations, but other factors are less obvious like where you live or your commute time.

The list below includes some of the most common factors used by insurance companies to determine premiums.

• Where you reside plays a part – Having an address in less populated areas may provide you with better prices when insuring your vehicles. Fewer drivers on the road means reduced accidents in addition to lower liability claims People who live in big cities regularly have more road rage incidents and higher rates of accident claims. More time commuting can result in more accidents.
• Your car’s features help determine insurance coverage rates – Owning a car with advanced anti-theft systems can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft.
• Higher rates for high stress vocations – Did you know that where you work can have an impact on rates? Occupations such as doctors, architects and accountants are shown to have the highest average rates attributed to high stress and incredibly demanding work hours. On the other hand, occupations such as actors, athletes and performers pay the least for Legacy coverage.
• Use but don’t abuse your insurance – Car insurance companies generally give most affordable rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can expect higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
• Teenagers are high risk – Teen drivers are proven to get distracted easily in a vehicle therefore insurance coverage rates are much higher. Older drivers are viewed as being more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

• What if I total my 2021 Subaru Legacy and owe more than it’s worth?
• Does liability extend to a camper or trailer?
• Should I put collision coverage on all my vehicles?
• Can I still get insurance after a DUI?
• Should I file a claim if it’s only slightly more than my deductible?
• When does my teenage driver need to be added to my policy?
• Why am I required to buy liability insurance?
• Will my rates increase for filing one claim?
• Exactly who is provided coverage by my policy?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete your zip code. It is quick, free and can provide invaluable advice.

The coverage is in the details

Having a good grasp of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, a tree branch falling on your vehicle, theft, hitting a bird and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like dental work, prosthetic devices, funeral costs and ambulance fees. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays for damage to your Legacy resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, driving through your garage door, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Liability auto insurance

Liability insurance can cover damage that occurs to other people or property in an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like repair costs for stationary objects, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2021 Subaru Legacy.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Shop around and save

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. There have been many situations where drivers have reduced liability limits or collision coverage only to discover later that it was a big error on their part. The ultimate goal is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

In this article, we covered a lot of techniques to compare 2021 Subaru Legacy insurance rates online. It’s most important to understand that the more providers you compare, the higher your chance of finding cheaper car insurance. You may be surprised to find that the lowest rates are with the least-expected company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.