Subaru Legacy Insurance Rate Quotes in Columbus

We don’t have to tell you that auto insurance companies don’t want you to look for cheaper rates. Drivers who perform rate comparisons will probably switch companies because they have a good chance of finding more affordable rates. A recent study showed that drivers who compared prices regularly saved over $860 a year compared to policyholders who never shopped around.

If finding budget-friendly Subaru Legacy insurance in Columbus is the reason you’re here, then understanding how to find and compare insurance rates can help simplify the process.

The best way to get cheaper Subaru Legacy insurance in Columbus is to start comparing prices regularly from companies that sell auto insurance in Ohio. This can be done by following these guidelines.

Step 1: Read and learn about car insurance and the things you can change to prevent rate increases. Many factors that result in higher rates such as at-fault accidents, speeding tickets, and poor credit can be remedied by making minor changes to your lifestyle. This article provides more ideas to help prevent high rates and earn a bigger discount.

Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while agents who are independent can give you price quotes for many different companies. View a list of agents

Step 3: Compare the quotes to your current policy to see if a cheaper price is available in Columbus. If you can save some money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Tell your current agent or company of your intention to cancel your current policy. Submit a down payment along with a completed application to your new carrier. As soon as you have the new policy, place your new proof of insurance certificate in an accessible location in your vehicle.

A key point to remember is that you use the same physical damage deductibles and liability limits on each price quote and and to get price quotes from all possible companies. This guarantees the most accurate price comparison and plenty of rates choose from.

Shopping for the most affordable auto insurance coverage in Columbus is simple if you know the tricks. If you have coverage now or are shopping for new coverage, you can use these tips to reduce premiums while maximizing coverage. Drivers only need an understanding of the least time-consuming way to compare prices online.

The companies shown below can provide quotes in Columbus, OH. If several companies are displayed, it’s highly recommended you visit several of them to get a more complete price comparison.

Auto insurance is not optional in Ohio

Despite the potentially high cost of Subaru Legacy insurance, buying auto insurance may be mandatory for several reasons.

• Just about all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability protection if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your vehicle, most lenders will stipulate that you buy full coverage to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Subaru at a more expensive rate and force you to pay much more than you were paying before.
• Insurance protects your vehicle and your assets. It will also reimburse you for medical expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if someone files suit against you as the result of an accident. If you have damage to your Subaru as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays more than $865 each year so you should quote and compare rates at every policy renewal to save money.

Analysis of Subaru Legacy rates

The data table shown below showcases estimates of insurance rates for Subaru Legacy models. Understanding how insurance prices are formulated can help you make informed decisions.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in Columbus location which can affect premiums substantially.

The illustration below shows how choosing a deductible and can impact Subaru Legacy insurance prices for different age groups. The rates are based on a single female driver, full coverage, and no discounts are applied.

Earn discounts on Columbus insurance

Some providers don’t always advertise all possible discounts very clearly, so here is a list both well-publicized and the more hidden ways to save on insurance.

• Bundled Policy Discount – If you can combine your auto and homeowners policy and insure them with the same company you may earn up to 20% and get you inexpensive Subaru Legacy insurance in Columbus.
• Senior Discount – Drivers that qualify as senior citizens could receive a slight reduction on a Columbus auto insurance quote.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accident claims.
• ABS Braking Discount – Cars and trucks with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
• Early Signing – Select companies give a discount for switching policies before your current Legacy insurance policy expires. The savings is around 10%.
• Multiple Cars – Buying coverage for multiple vehicles on the same insurance policy can reduce rates for all insured vehicles.
• E-sign Discounts – A few insurance companies may give you up to $50 for buying your policy digitally online.
• Discounts for New Vehicles – Insuring a vehicle that is new can be considerably cheaper because new vehicles have to meet stringent safety requirements.
• Professional Memberships – Participating in qualifying clubs or civic groups may earn a discount on your next insurance statement.

Remember that most discounts do not apply to the whole policy. Some only reduce individual premiums such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, you won’t be that lucky.

The diagram below compares Subaru Legacy insurance costs with and without discounts being applied to the rates. The prices are based on a female driver, no claims or driving citations, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, claim-free, and multi-policy discounts applied.

A few of the larger companies and a selection of discounts are included below.

• Progressive has discounts for online quote discount, multi-policy, good student, online signing, and continuous coverage.
• The Hartford discounts include anti-theft, good student, driver training, bundle, defensive driver, vehicle fuel type, and air bag.
• Mercury Insurance may include discounts for anti-theft, accident-free, annual mileage, location of vehicle, professional/association, and low natural disaster claims.
• GEICO may have discounts that include multi-policy, seat belt use, driver training, five-year accident-free, and defensive driver.
• AAA offers discounts including good driver, good student, multi-policy, education and occupation, anti-theft, and pay-in-full.
• State Farm policyholders can earn discounts including safe vehicle, good driver, Steer Clear safe driver discount, defensive driving training, and student away at school.

When quoting, ask each insurance company what discounts are available to you. Savings may not apply in Columbus. If you would like to view insurance companies that offer discounts in Ohio, click this link.

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

When quoting and comparing adequate coverage for your vehicles, there is no one size fits all plan. Your situation is unique.

Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

• Can I pay claims out-of-pocket if I buy high deductibles?
• Can good grades get a discount?
• Does coverage extend to my business vehicle?
• Do I need PIP coverage since I have good health insurance?
• I have a DUI can I still get coverage?
• Am I covered when driving someone else’s vehicle?
• Is my nanny covered when transporting my kids?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.