Compare Subaru Legacy Insurance Quotes in San Diego

Subaru Legacy insurance policy image courtesy of QuoteInspector.com

Tired of scraping the payment together to insure your Subaru every month? Your situation is no different than many other vehicle owners in California.

Shockingly, most drivers renewed their policy with the same company for a minimum of four years, and virtually 40% of consumers have never compared rates to find lower-cost insurance. San Diego drivers could cut their rates by 35% a year by just shopping around, but they just assume it's a time-consuming process to compare rates online.

Insurance companies such as State Farm and GEICO all promote huge savings with advertising and consumers find it hard to see through the deception and take the time to shop coverage around.

It's a good habit to get comparison quotes on a regular basis because auto insurance prices are usually higher with each renewal. Just because you found the lowest rates on Subaru Legacy insurance in San Diego two years ago a different company probably has better premium rates today. Ignore everything you know about auto insurance because we're going to show you the quickest way to reduce your cost while increasing coverage.

Cheapest Subaru insurance rate quotes in San Diego

The auto insurance companies shown below provide price comparisons in San Diego, CA. If the list has multiple companies, we suggest you compare several of them to find the cheapest auto insurance rates.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific zip code location which can increase or decrease premium rates greatly.

Rate increases following a ticket or accident

The information below illustrates how violations and at-fault claims influence Subaru Legacy insurance prices for each different age group. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Insurance discounts are available to cut your rates

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Most are applied when you quote, but once in a while a discount must be manually applied in order for you to get them.

• Anti-lock Brakes - Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
• Driver Education Discount - Cut your cost by having your teen driver take driver's ed class if it's offered in school.
• Discount for Low Mileage - Fewer annual miles on your Subaru could earn lower rates due to less chance of an accident.
• Lower Rates for Military - Having a family member in the military could be rewarded with lower prices.
• Distant Student Discount - College-age children who are attending college and don't have a car may be able to be covered for less.
• Discount for New Cars - Buying a new car model may earn a small discount because newer models have to meet stringent safety requirements.
• Paperwork-free - Some larger companies will provide an incentive just for signing your application over the internet.
• Good Students Pay Less - Getting good grades may save you up to 25%. Earning this discount can benefit you well after school through age 25.
• Multi-car Discount - Buying a policy with primary and secondary vehicles on one policy qualifies for this discount.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.

Larger insurance companies and some of the discounts are:

• State Farm includes discounts for multiple policy, anti-theft, driver's education, safe vehicle, Steer Clear safe driver discount, accident-free, and Drive Safe & Save.
• Farmers Insurance offers discounts including switch companies, bundle discounts, distant student, good student, multi-car, and pay in full.
• GEICO may include discounts for military active duty, multi-policy, seat belt use, emergency military deployment, and multi-vehicle.
• American Family has savings for good driver, accident-free, air bags, early bird, and good student.
• Nationwide discounts include easy pay, accident-free, business or organization, multi-policy, good student, and anti-theft.
• Progressive policyholders can earn discounts including online quote discount, homeowner, good student, multi-policy, online signing, and continuous coverage.

Before buying, ask every prospective company which discounts they offer. Depending on the company, some discounts may not be available in San Diego. To see providers who offer online Subaru Legacy insurance quotes in San Diego, click this link.

Eight Tips to Get More Affordable San Diego Insurance Prices

Multiple criteria are part of the equation when quoting car insurance. Most are fairly basic like an MVR report, but some are more obscure like your continuous coverage or your financial responsibility.

• Never let your coverage expire - Allowing your car insurance policy to lapse is a guaranteed way to increase your car insurance rates. And not only will your rates increase, failure to provide proof of insurance could result in a steep fine or even jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department to get your license reinstated.
• Use but don't abuse your insurance - If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Car insurance companies in California provide lower rates to people who file claims infrequently. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
• Does your job cost you more? - Jobs such as judges, architects and medical professionals have the highest average rates due to intense work-related stress and lots of time spent away from family. On the flip side, occupations such as professors, students and retirees get better rates.
• Use one insurance company and save - Most major companies will award lower prices to policyholders who buy several policies from them, otherwise known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it's in your best interest to compare other company rates to guarantee you are still saving the most.There is a good possibility that you can save more without the discount even if you have your coverage with different companies
• Cheaper rates using theft deterrents - Selecting a car model that has a built-in theft deterrent system can help bring down rates. Systems that thwart thieves like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft.
• High comp and collision deductibles cost less - Protection for physical damage, also called 'full coverage', protects your Subaru from damage. Some examples of claims that would be covered would be a broken windshield, collision with an animal, and having your car stolen. Comp and collision deductibles tell how much you are required to pay if a covered claim is submitted. The more of the claim you are required to pay out-of-pocket, the lower your rates will be.
• Do you really need the incidental coverages? - There are a lot of optional add-on coverages that may not really be needed if you aren't diligent. Insurance for rental car reimbursement, towing coverage, and term life insurance may be costing you every month. They may seem good when talking to your agent, but your needs may have changed so consider taking them off your policy.
• Liability coverage limits are a factor - The liability coverage on your policy is the protection if ever you are ruled to be at fault for an accident. Your liability coverage provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Subaru Legacy insurance loss statistics - Companies include the past claim history for a vehicle to help set a rate to offset losses. Vehicles that the data shows to have higher prevalence or dollar amount of losses will have higher rates.
  
  The information below illustrates the loss history for Subaru Legacy vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of make or model, is set at 100. Numbers that are below 100 imply a favorable loss record, while values over 100 point to more claims or an increased chance of larger losses than average.

  Auto Insurance Loss Data for Subaru Legacy Models

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Subaru Legacy 4WD	74	64	115	83	80	76
  Subaru Legacy with Eyesight 4WD	71	52	122	71

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Situations that may require an agent's advice

When quoting and comparing coverage online or from an agent for your vehicles, there really is no "best" method to buy coverage. Everyone's situation is a little different.

For instance, these questions might help in determining if your insurance needs would benefit from an agent's advice.

• Should I bundle my homeowners policy with my auto?
• Is my Subaru Legacy covered for smoke damage?
• Are there any extra discounts I can get?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Can I rate high risk drivers on liability-only vehicles?
• Do I need motorclub coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If it's difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Insurance agent or online?

Some consumers would rather talk to a local agent and that is a personal choice. The best thing about price shopping on the web is the fact that drivers can get the best rates but also keep your business local.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information is transmitted to insurance agents in San Diego who can give free rate quotes for your business. It simplifies rate comparisons since you won't have to leave your computer since rate quotes are delivered to the email address you provide. Get lower rates and an insurance agent to talk to. If you need to get a rate quote for a specific company, you would need to visit that company's website and submit a quote form there.

Picking the best insurance company is decision based upon more than just the premium amount. Any agent in San Diego should have no problem answering these questions:

• Does the company have a local claim office in San Diego?
• Did they already check your driving record and credit reports?
• Can you choose the body shop in case repairs are needed?
• How experienced are they in personal risk management?
• Do they review policy coverages at every renewal?
• Does the agency support the community they serve?

When finding a good San Diego insurance agent, there are a couple of different types of agencies and how they are distinctly different. Insurance agencies in San Diego can be categorized as either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

These type of agents can only write with one company such as Farmers Insurance or State Farm. They usually cannot give you multiple price quotes so keep that in mind. These agents receive extensive training on sales techniques which helps them sell insurance even at higher premiums.

Shown below is a short list of exclusive agencies in San Diego willing to provide rate quotes.

View more San Diego agents

Independent Agents

Agents in the independent channel are appointed with more than one company and that gives them the ability to insure with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally which is easy for the insured.

When comparing rate quotes, it's recommended you check rates from independent agents so that you can do a thorough price comparison.

Listed below is a short list of independent agencies in San Diego that are able to give rate quotes.

View more San Diego agents

Cheaper coverage is out there

You just learned some good ideas how to compare Subaru Legacy insurance car insurance rates in San Diego. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest car insurance rates come from a company that doesn't do a lot of advertising.

When you buy San Diego car insurance online, it's not a good idea to reduce needed coverages to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at an affordable rate and still be able to protect your assets.

Budget-friendly insurance in San Diego can be bought online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide online quoting and most of the time these small, regional companies work with independent agents.

More articles

• Winter Driving (Insurance Information Institute)
• How Much are Car Insurance Rates for a 20 Year Old Male in San Diego? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for High Mileage Drivers in San Diego? (FAQ)
• Teen Driver Statistics (Insurance Information Institute)
• Safety Features for Your New Car (State Farm)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Car Insurance: When not to Skimp (BankRate.com)