1999 Subaru Legacy Car Insurance Rates – 6 Discounts for Best Quotes

Nobody I know gets a kick out of paying for insurance coverage, in particular when they could get a better deal. Due to the increasing number of companies to choose from, it can be challenging to find the most affordable company.

Buying car insurance is quite easy. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Drivers just need to learn the tricks to shop online.

Shop insurance online

Cutting your insurance rates is actually quite simple. You just have to take a few minutes comparing price quotes online with multiple companies. This can be accomplished in several different ways.

Hands down the most simple method to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form keeps you from doing separate quotes for each company. Just one form compares rates from multiple low-cost companies.

A less efficient way to compare rate quotes requires a trip to each company website to request a price quote. For examples sake, let’s assume you want to get rates from Auto-Owners, Safeco and GMAC. To find out each rate you need to visit each site to enter the same coverage data repeatedly, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but do your best to use exactly the same coverage limits for each comparison quote. If you enter different values for each quote then you won’t be able to find the best deal for your Subaru Legacy.

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Will you really save $494 on insurance coverage?

Drivers can’t ignore all the ads that promise big savings for switching from the likes of State Farm, Allstate and Geico. All the ads have a common claim that you can save just by switching your insurance coverage coverage to their company.

How does every company make the same claim? Just pay attention to how they say it.

All the different companies have specific characteristics for the right customer that will generate a profit. One example of a desirable risk might be a mature driver, owns their home, and drives less than 7,500 miles a year. Any person who fits that profile will probably get the lowest premium rates and will also save some money.

Potential insureds who are not a match for this stringent profile may be forced to pay higher prices and business not being written. Company advertisements say “people who switch” not “everyone who quotes” will save that much if they switch. That’s why insurance companies can make those statements. Because of these techniques, it’s extremely important to do a price quote comparison at every renewal. It’s just too difficult to predict with any certainty which company will have the best rates.

Are you earning every discount?

Auto insurance is neither fun to buy or cheap, but companies offer discounts that could help you make your next renewal payment. Some trigger automatically when you quote, but a few must be inquired about prior to receiving the credit.

• Anti-lock Brakes – Cars with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
• Policy Bundle Discount – When you have multiple policies with one company you may earn at least 10 to 15 percent or more.
• Onboard Data Collection – People who choose to allow driving data submission to study vehicle usage by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they are good drivers.
• College Student – Any of your kids who live away from home to go to college and do not have a car may be able to be covered for less.
• Driver Safety – Successfully completing a driver safety class can save you 5% or more if your company offers it.
• Own a Home and Save – Simply owning a home may trigger a policy discount on auto insurance because maintaining a house requires personal responsibility.

As a sidenote, most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A list of companies and their possible discounts are detailed below.

• Geico policyholders can earn discounts including air bags, military active duty, good student, multi-vehicle, driver training, five-year accident-free, and membership and employees.
• USAA offers discounts for family discount, good student, military installation, driver training, annual mileage, and loyalty savings.
• Progressive discounts include multi-vehicle, continuous coverage, good student, online quote discount, and online signing.
• American Family may include discounts for TimeAway discount, air bags, bundled insurance, defensive driver, and multi-vehicle.
• Esurance may offer discounts for emergency road assistance, anti-lock brakes, good student, multi-policy, and Pac-12 alumni.
• Farmers Insurance has discounts for multi-car, teen driver, mature driver, early shopping, youthful driver, alternative fuel, and bundle discounts.
• State Farm may have discounts that include safe vehicle, accident-free, good driver, multiple policy, passive restraint, and driver’s education.

It’s a good idea to ask each company or agent which discounts they offer. Some discounts listed above might not be offered in your area. To view providers that offer discounts, click here.

When in doubt talk to an agent

When choosing the best insurance coverage coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

• Am I insured when driving a different vehicle?
• Are my tools covered if they get stolen from my vehicle?
• What is roadside assistance coverage?
• Does my personal policy cover me when driving out-of-state?
• Is business equipment covered while in my vehicle?
• I don’t drive much so do I pay less?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

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Insurance specifics

Understanding the coverages of insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Liability – This coverage protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t 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 liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision coverages – Collision coverage covers damage to your Legacy resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, a broken windshield and falling objects. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like nursing services, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

More comparisons equals lower rates

We just presented quite a bit of information on how to save on 1999 Subaru Legacy insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. You may be surprised to find that the best premium rates are with a small mutual company. Smaller companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

A few companies may not offer online quoting and these regional carriers prefer to sell through independent insurance agencies. Discount 1999 Subaru Legacy insurance is possible both online and from local agencies, so you need to compare both in order to have the best price selection to choose from.

When shopping online for auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

Much more information about auto insurance can be read at these links:

• Bodily Injury Coverage (Liberty Mutual)
• Electronic Stability Control FAQ (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)

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