2001 Subaru Legacy Insurance Quotes

Trying to find cheaper car insurance rates for your Subaru Legacy? I can’t think of anyone who likes paying for car insurance, in particular when the cost is way too high.

Multiple auto insurance companies compete for your business, so it can be very hard to choose a insurer and get the best coverage at the best rate

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is not rocket science. But car owners must comprehend how big insurance companies compete online because it can help you find the best coverage.

Car Insurance Comparisons

There are multiple methods to shop for 2001 Subaru Legacy car insurance, but some are easier and takes less work. You can spend your afternoon driving to local insurance agents in your area, or you can stay home and use the internet for quick rates.

Most major companies participate in an industry program where insurance shoppers submit their information once, and at least one company provides a quote based on the submitted data. This prevents consumers from doing quote forms for every car insurance company. To participate in this free quote system, click here to start a free quote.

The only drawback to comparing rates this way is that consumers can’t choose the insurers you want pricing from. So if you prefer to choose from a list of companies to compare prices, we put together a list of companies who write car insurance in your area. View list of insurance companies.

Whichever method you choose, be sure to compare apples-to-apples quote information with each company. If you compare unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best. Just a small difference in coverage limits can result in a big premium difference. And when comparing car insurance rates, know that more quotes will improve the odds of getting better pricing.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few must be specifically requested prior to receiving the credit.

  • Clubs and Organizations – Belonging to a qualifying organization may earn a discount on your policy for Legacy insurance.
  • Drive Less and Save – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • E-sign – A handful of insurance companies give back up to $50 just for signing your application online.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you could get a discount of at least 10% off all policies.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class if offered at their school.
  • Auto/Life Discount – Larger companies have better rates if you take out life insurance from them.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Legacy insurance with select insurance companies.

Drivers should understand that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren’t that generous. But all discounts will reduce your premiums.

To see a list of insurance companies with the best car insurance discounts, click this link.

Situations that might require an agent

When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Do I need rental car coverage?
  • Am I covered if I drive in a foreign country?
  • Is my dog or cat covered if injured in an accident?
  • Why does it cost so much to insure a teen driver?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if I wreck a rental car?
  • Is my 2001 Subaru Legacy covered for flood damage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Knowing the specifics of car insurance can help you determine the best coverages for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for doctor visits, funeral costs, chiropractic care, prosthetic devices and hospital visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as bail bonds, attorney fees, emergency aid and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, a broken windshield, falling objects and hitting a deer. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

A tidy conclusion

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price, not the least amount of coverage.

Affordable 2001 Subaru Legacy insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

Additional insurance information is available at the links below