Save Money on Subaru Legacy Insurance in Fresno

Trying to find the cheapest insurance for a new or used Subaru Legacy in California can normally be an all-consuming task, but you can use our car insurance buying tips to make it easier.

There is a better way to compare car insurance rates and you need to know the absolute fastest way to price shop coverage for your Subaru and locate the lowest possible price from Fresno insurance agents and online providers.

It’s hard to believe, but over 70% of California drivers have remained with the same car insurance company for at least the last four years, and nearly the majority have never shopped around. American insurance shoppers could pocket $859 a year just by shopping around, but they don’t understand how simple it is to compare rates and save money.

You should make it a habit to get comparison quotes on a regular basis since insurance prices change frequently. Despite the fact that you may have had the best quotes on Subaru Legacy insurance in Fresno two years ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about Legacy insurance online but I’m going to show you some solid techniques on how to save money.

If you have insurance now or just want to reduce your rates, follow these tips to reduce premiums while maintaining coverages. Finding the lowest-priced auto insurance policy in Fresno can be fairly easy. Smart shoppers only need to know the proper methods to shop for auto insurance from many different companies online.

Getting a cheaper price on Subaru Legacy insurance is not rocket science. The only thing you need to do is take the time getting comparison quotes from different insurance companies.

The companies shown below are ready to provide price quotes in Fresno, CA. In order to find cheap auto insurance in CA, it’s a good idea that you click on several of them to get the best price comparison.

Why you need insurance for your Subaru vehicle

Despite the potentially high cost of Subaru Legacy insurance, buying auto insurance serves an important purpose.

First, the majority of states have minimum liability requirements which means you are required to buy specific limits of liability coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your Subaru Legacy has a lienholder, it’s guaranteed your bank will require that you have physical damage coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Subaru at a much higher premium rate and require you to reimburse them the higher price.

Third, insurance protects both your assets and your Subaru Legacy. It will also provide coverage for hospital and medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance definitely exceed the cost, specifically if you ever have a liability claim. An average driver in America is overpaying over $855 a year so you should quote rates every year to save money.

Subaru Legacy insurance charts and tables

The premium table shown next outlines a range of insurance policy prices for Subaru Legacy models. Understanding more about how insurance premiums are formulated helps drivers make smart choices when selecting a policy.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific zip code location which can modify rates considerably.

The information below demonstrates how deductibles and can influence Subaru Legacy annual premium costs for different ages of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Full coverage rates vs. liability-only in Fresno

The information below compares Subaru Legacy car insurance rates when comparing full coverage to state minimum liability only. The premiums assume no accidents or driving violations, $250 deductibles, single status, and no discounts are applied to the premium.

When to drop comprehensive and collision coverage

There is no definitive guideline for phasing out comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Subaru Legacy replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are currently paying more than $600 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are some conditions where buying only liability insurance is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Earn discounts on Fresno insurance

Car insurance companies don’t always advertise all possible discounts very clearly, so the below list has some of the more common and the more hidden credits that you can use to lower your rates.

• Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of more than 20%.
• Fresno Homeowners Pay Less – Owning a home in Fresno can save you money since home ownership shows financial diligence.
• Switch and Save Discount – Some companies provide a discount for buying a policy before your current coverage expires. It could save around 10% when you buy Fresno car insurance online.
• Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
• Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance.

As a footnote on discounts, most discounts do not apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.

The example below illustrates the comparison of Subaru Legacy insurance premiums with and without discounts being applied to the rates. The premiums are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, homeowner, claim-free, and marriage discounts applied.

The best insurance companies and their possible discounts are:

• State Farm includes discounts for Steer Clear safe driver discount, good student, passive restraint, student away at school, driver’s education, and anti-theft.
• Progressive policyholders can earn discounts including online quote discount, multi-vehicle, homeowner, multi-policy, good student, and continuous coverage.
• Progressive offers premium reductions for online quote discount, multi-vehicle, online signing, homeowner, multi-policy, good student, and continuous coverage.
• MetLife offers discounts for multi-policy, claim-free, good student, defensive driver, good driver, accident-free
• Farm Bureau offers discounts including multi-policy, youthful driver, 55 and retired, multi-vehicle, driver training, and good student.
• GEICO has savings for five-year accident-free, membership and employees, federal employee, emergency military deployment, and military active duty.
• SAFECO has discounts for teen safety rewards, anti-lock brakes, safe driver, multi-car, teen safe driver, anti-theft, and homeowner.

It’s a good idea to ask every insurance company which discounts they offer. A few discounts might not be offered in Fresno. For a list of insurance companies that offer some of these discounts in Fresno, click this link.

There’s no such thing as the perfect auto insurance policy

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions could help you determine whether or not you would benefit from professional advice.

• Does insurance cover tools stolen from my truck?
• Do I get a pro-rated refund if I cancel my policy early?
• Is my Subaru Legacy covered for flood damage?
• Does my Subaru Legacy qualify for pleasure use?
• Should I carry comprehensive and collision coverage?
• What is motorclub and do I need it?
• What is no-fault insurance?
• What does roadside assistance cover?
• What is UM/UIM insurance?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.