Best Rates for Subaru Legacy Insurance in Pittsburgh

If saving the most money is your goal, then the best way to find low-cost Subaru Legacy insurance is to start comparing prices regularly from different companies who provide auto insurance in Pittsburgh. Price quotes can be compared by completing these steps.

  1. Get an understanding of coverages and the modifications you can make to prevent high rates. Many risk factors that result in higher rates like your driving record and a not-so-good credit rating can be amended by being financially responsible and driving safely.
  2. Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agencies can quote prices for a wide range of insurance providers. Select a company
  3. Compare the new rates to your existing coverage to determine if you can save on Legacy insurance. If you find a better price, ensure coverage does not lapse between policies.
  4. Provide notification to your current agent or company of your decision to cancel your existing policy. Submit payment and a signed application to your new agent or company. Be sure to keep your new certificate verifying coverage with your vehicle’s registration.

One tip to remember is to use similar limits and deductibles on every price quote and and to get price quotes from as many companies as you can. This helps ensure the most accurate price comparison and the best price selection.

Insurance for Subaru LegacyIt’s an obvious statement that car insurance companies want to keep you from shopping around. Drivers who shop around at least once a year will, in all likelihood, switch car insurance companies because they have good chances of finding a lower-cost company. A study discovered that people who made a habit of comparing rate quotes saved on average $3,500 over four years compared to other drivers who never compared prices.

If finding the lowest rates on auto insurance in Pittsburgh is the reason for your visit, then having some knowledge of the best way to quote and compare insurance coverage can save time and make the process easier.

Many insurance companies like State Farm, Allstate and GEICO allow you to get coverage prices direct online. This process is pretty painless as all you need to do is type in the amount of coverage you want as requested by the quote form. Once you submit the form, their quoting system will order credit information and your driving record and generates pricing information based on the data you entered.

This makes it easy to compare insurance prices and it’s necessary to perform this step in order to find affordable car insurance pricing.

To find out if lower rates are available, take a look at the companies shown below. If you have a policy now, it’s recommended you complete the form with the coverage information as shown on your current policy. Using the same limits helps guarantee you will have a price comparison based on similar coverages.

The following companies provide price comparisons in Pennsylvania. If you want to find cheap auto insurance in Pittsburgh, we suggest you visit several of them in order to find the cheapest rates.

Cheap Subaru Legacy insurance quotes in Pittsburgh

Some insurance providers don’t necessarily list the entire discount list very clearly, so the below list has a few of the more well known and also the lesser-known credits available to lower your premiums when you buy Pittsburgh auto insurance online.Discount auto insurance

Remember that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works.

The illustration below compares Subaru Legacy car insurance costs with and without discounts applied. The information is based on a female driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.

Some of the insurance companies who may offer many of the previously listed discounts may include but are not limited to:

When comparing rates, check with each company what discounts are available to you. Some of the discounts discussed earlier might not apply in Pittsburgh. For a list of auto insurance companies that can offer you the previously mentioned discounts in Pittsburgh, follow this link.

Rates and information analytics

The coverage information displayed below highlights different rate quotes for Subaru Legacy models. Having a good grasp of how insurance policy premiums are established can assist in making decisions when shopping your coverage around.

Subaru Legacy Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $306 $434 $316 $18 $94 $1,168 $97
Legacy 2.5I Premium $306 $528 $316 $18 $94 $1,262 $105
Legacy 2.5I Premium $306 $528 $316 $18 $94 $1,262 $105
Legacy 3.6R Premium $338 $528 $316 $18 $94 $1,294 $108
Legacy 3.6R $338 $528 $316 $18 $94 $1,294 $108
Legacy 2.5I Limited $338 $528 $316 $18 $94 $1,294 $108
Legacy 2.5GT Premium $338 $620 $316 $18 $94 $1,386 $116
Legacy 3.6R Limited $338 $620 $316 $18 $94 $1,386 $116
Legacy 2.5 GT Limited $338 $620 $316 $18 $94 $1,386 $116
Legacy 2.5 GT Limited $338 $620 $316 $18 $94 $1,386 $116
Legacy 2.5 GT Limited $338 $620 $316 $18 $94 $1,386 $116
Get Your Own Custom Quote Go

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in zip code location which can modify rates considerably.

Physical damage deductibles: Should you raise them?

One frequently asked question is where to set your physical damage deductibles. The following tables may aid in understanding the differences in price between high and low insurance deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Subaru Legacy insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $320 $352 $280 $16 $84 $1,077 $90
Legacy 2.5I Premium $320 $428 $280 $16 $84 $1,153 $96
Legacy 2.5I Premium $320 $428 $280 $16 $84 $1,153 $96
Legacy 3.6R Premium $352 $428 $280 $16 $84 $1,185 $99
Legacy 3.6R $352 $428 $280 $16 $84 $1,185 $99
Legacy 2.5I Limited $352 $428 $280 $16 $84 $1,185 $99
Legacy 2.5GT Premium $352 $506 $280 $16 $84 $1,263 $105
Legacy 3.6R Limited $352 $506 $280 $16 $84 $1,263 $105
Legacy 2.5 GT Limited $352 $506 $280 $16 $84 $1,263 $105
Legacy 2.5 GT Limited $352 $506 $280 $16 $84 $1,263 $105
Legacy 2.5 GT Limited $352 $506 $280 $16 $84 $1,263 $105
Get Your Own Custom Quote Go

Subaru Legacy insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $198 $222 $280 $16 $84 $800 $67
Legacy 2.5I Premium $198 $270 $280 $16 $84 $848 $71
Legacy 2.5I Premium $198 $270 $280 $16 $84 $848 $71
Legacy 3.6R Premium $218 $270 $280 $16 $84 $868 $72
Legacy 3.6R $218 $270 $280 $16 $84 $868 $72
Legacy 2.5I Limited $218 $270 $280 $16 $84 $868 $72
Legacy 2.5GT Premium $218 $318 $280 $16 $84 $916 $76
Legacy 3.6R Limited $218 $318 $280 $16 $84 $916 $76
Legacy 2.5 GT Limited $218 $318 $280 $16 $84 $916 $76
Legacy 2.5 GT Limited $218 $318 $280 $16 $84 $916 $76
Legacy 2.5 GT Limited $218 $318 $280 $16 $84 $916 $76
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in specific location information which can alter rates noticeably.

Based on these figures, using a $250 deductible will cost you about $27 more each month or $324 each year than requesting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 28 months between claims, you would come out ahead if you choose the higher deductible.

The chart below highlights how deductible choice and can influence Subaru Legacy insurance rates for different categories of driver ages. The information is based on a single female driver, full coverage, and no additional discounts are factored in.

Drive responsibly or pay higher rates

The chart below demonstrates how citations and at-fault accidents can influence Subaru Legacy insurance prices for different age groups of insureds. The information is based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Seven Tips to Get Cheap Pittsburgh Insurance Premiums

It’s important that you understand the different types of things that help determine the level of your policy premiums. If you understand what determines base rates, this enables informed choices that could result in lower premium levels.

Listed below are some of the things insurance companies consider when setting prices.

Higher coverage deductibles are cheaper – Protection for physical damage, aka comp and collision, insures against damage to your Subaru. Some instances where coverage would apply are collision with another vehicle, flood damage, and damage from a fallen tree branch. Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more you choose to pay out-of-pocket, the bigger discount you will receive.

Deter car thieves – Purchasing a vehicle with an alarm system can save you a little every year. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.

Do you qualify for a multi-policy discount? – Lots of companies provide a discount to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to comparison shop to make sure you are getting the best deal.There is a chance you can save even more even if you insure with multiple companies

Does auto insurance cost less for females? – Over the last 30 years, statistics show females are less aggressive when driving. Now that doesn’t mean females are better drivers. Females and males cause at-fault accidents in similar percentages, but the males tend to have more serious accidents. Men also receive more major tickets like driving under the influence (DUI).

The diagram below visualizes the comparison of Subaru Legacy car insurance costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, marital status is single, and no policy discounts are applied.

Single drivers take more risk – Being married may save some money compared to being single. Marriage is viewed as being more mature and responsible and statistics show married couples file fewer claims.

Performance affects costs – The type of car you need insurance for makes a huge difference in your rates. Lower cost passenger cars usually have the lowest rates, but many other things help determine your insurance rates.

The following chart uses these assumptions: single male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Subaru Legacy insurance rates compared to other vehicles that have different performance risks.

More stress means more cost – Careers such as military personnel, executives, and stock brokers tend to pay higher rates than average due to intense work-related stress and long work hours. Conversely, jobs like scientists, historians and homemakers receive lower rates.

Insurance loss statistics a Subaru Legacy – Insurance companies use claims history when determining insurance costs. Models that have higher prevalence or dollar amount of losses will be charged more to insure.

The next table shows the loss history for Subaru Legacy vehicles. For each coverage category, the claim amount for all vehicles, regardless of manufacturer or model, is equal to 100. Values that are 100 or less indicate a favorable loss history, while percentage numbers above 100 indicate frequent claims or an increased probability of a larger loss.

Subaru Legacy Insurance Claim Statistics
Vehicle 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

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance quotes from local Pittsburgh insurance agents

Some people still prefer to sit down with an agent and that is just fine! Insurance agents can answer important questions and help submit paperwork. The best thing about getting online price quotes is the fact that drivers can get lower rates and also buy local. Putting coverage with neighborhood insurance agencies is important especially in Pittsburgh.

Once you complete this quick form, your coverage information gets sent to agents in your area who want to provide quotes for your insurance coverage. It’s much easier because you don’t need to do any legwork due to the fact that quote results will go directly to you. If you want to get a rate quote for a specific company, feel free to visit that company’s website and complete a quote there.

Shown below is a short list of insurers in Pittsburgh who can help you get price quote information for Subaru Legacy insurance in Pittsburgh.

More Pittsburgh agents

Picking an company requires you to look at more than just a cheap quote. Here are some questions to ask:

Once you have received acceptable answers to all your questions and an affordable coverage quote, you may have found an insurance company that is professional and can adequately provide insurance. Just be aware that once you purchase a policy you can terminate coverage at any time so don’t feel that you’re stuck with a policy for any length of time.

Don’t assume everyone needs the same car insurance coverage

When buying adequate coverage, there really is no “best” method to buy coverage. Each situation is unique.Higher deductibles save money

For example, these questions may help you determine if you may require specific advice.

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

A conclusion for your insurance search

People switch companies for a variety of reasons including not issuing a premium refund, extreme rates for teen drivers, delays in paying claims and an unsatisfactory settlement offer. Whatever your reason, switching insurance companies can be pretty painless.

Budget-conscious Subaru Legacy insurance is attainable on the web and from local insurance agents, so you need to quote Pittsburgh auto insurance with both to have the best chance of lowering rates. A few companies do not offer internet price quotes and many times these small insurance companies prefer to sell through independent agents.

When shopping online for insurance, it’s very important that you do not skimp on coverage in order to save money. In too many instances, someone dropped liability coverage limits only to regret at claim time that it was a big error on their part. Your aim should be to buy enough coverage at the best cost but still have enough coverage for asset protection.

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