Best Rate Quotes for Subaru Legacy Insurance in Virginia Beach

Sick and tired of sacrificing other expenses to make your insurance payment? You’re in the same situation as most other people in Virginia.

Regrettably, most insurance policyholders renewed their policy with the same company for well over three years, and about 40% of consumers have never quoted insurance rates at all. Most drivers in Virginia Beach could save an average of as much as 45% each year by just comparing rate quotes, but most undervalue the actual amount they would save if they replace their high priced policy. You have so many auto insurance companies to pick from, and although it’s a good thing to have a selection, it can be more difficult to find a good deal for Subaru Legacy insurance in Virginia Beach.

It’s a good habit to compare prices as often as possible since insurance prices trend upward over time. Even if you think you had the lowest price on Subaru Legacy insurance in Virginia Beach last year you may be paying too much now. Block out anything you think you know about insurance because you’re about to find out the tricks you need to know to get good coverage on Subaru Legacy insurance in Virginia Beach at a lower rate.

Cheap companies for Subaru Legacy insurance in Virginia

The providers in the list below are ready to provide quotes in Virginia Beach, VA. If you want cheap car insurance in Virginia Beach, we recommend you click on several of them to find the most affordable auto insurance rates.

Insurance statistics for a Subaru Legacy

The coverage table below outlines detailed analysis of insurance policy prices for Subaru Legacy models. Understanding more about how rates are figured is important for making smart choices when comparing insurance rates.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can alter prices greatly.

Analysis of deductible levels

One of the most common insurance questions is which deductibles should you choose. The comparison tables below determine the rate difference when you choose different policy deductibles. The first data set uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in specific Virginia Beach garaging location which can influence rates considerably.

We can derive from the above data that using a $100 deductible will cost you about $20 more each month or $240 every year than requesting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 20 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Impact of citations and accidents on insurance rates

The diagram below highlights how speeding tickets and at-fault collisions drive up Subaru Legacy auto insurance rates for different age groups of insureds. The costs are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

Age-based insurance rates by gender

The illustration below illustrates the comparison of Subaru Legacy car insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comp and collision included, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Cost difference between full coverage and liability

The chart below illustrates the comparison of Subaru Legacy insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no claims or violations, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

When to drop comp and collision

There is no exact formula that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s assume your Subaru Legacy book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after you pay the deductible. If premium cost is more than $800 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few situations where removing full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Subaru Legacy Insurance Premiums Can Be Cheaper

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for auto insurance. If you have a feel for what impacts premium levels, this helps enable you to make changes that can earn you much lower annual insurance costs. Lots of factors are used when pricing auto insurance. A few of the factors are predictable such as your driving record, but others are less obvious such as your marital status or your commute time.

The itemized list below are some of the most rate-impacting factors used by your company to calculate prices.

• Discounts for married couples – Having a significant other may cut your premiums when buying auto insurance. Having a spouse usually means you are more responsible it has been statistically shown that married drivers get in fewer accidents.
• Does your occupation raise your prices? – Did you know your occupation can influence how much you pay for auto insurance? Jobs like doctors, airline pilots, and accountants usually pay higher rates than the rest of us due to intense work situations and long work hours. On the other hand, careers like scientists, engineers and retirees pay lower than average rates.
• Eliminate extra policy coverages – There are a lot of add-on coverages you can purchase if you don’t pay attention. Coverages like roadside assistance, death and dismemberment, and motor club memberships may be wasting your money. These coverages may sound good when deciding what coverages you need, but if you’ve never needed them in the past get rid of them and save.
• Higher coverage deductibles lower prices – The deductibles are the amount of money you are willing to pay if a covered claim is submitted. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of covered claims would be collision with another vehicle, collision with a deer, or theft of your vehicle. The larger the amount the insured is willing to pay, the bigger discount you will receive.
• Never go without auto insurance – Driving your car without having proper coverage is not a good idea and auto insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, failure to provide proof of insurance could result in a revoked license or a big fine.

• Subaru Legacy claim data – Insurers use past insurance losses as a way to help calculate a profitable premium price. Vehicles that the statistics show to have higher losses will have higher rates. The next table illustrates the historical loss data for Subaru Legacy vehicles.

  For each type of coverage, the statistical loss for all vehicles, regardless of make, model or trim level, is set at 100. Numbers that are below 100 represent a good loss history, while numbers that are greater than 100 show a trend for more claims or a tendency for losses to be larger than average.

  
  

  Car Insurance Loss Data for Subaru Legacy Models

  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

  BETTER

  AVERAGE

  WORSE

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

Get lower-cost Subaru Legacy insurance in Virginia Beach with discounts

Companies offering auto insurance don’t always list every available discount very clearly, so the following list contains both well-publicized and the more hidden discounts that you can inquire about if you buy Virginia Beach auto insurance online.

• Buy New and Save – Buying a new car model can save you some money compared to insuring an older model.
• Multi-Vehicle Discounts – Having primary and secondary vehicles with the same auto insurance company qualifies for this discount.
• Virginia Beach Homeowners Pay Less – Simply owning a home can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
• Lower Rates for Military – Having a deployed family member could mean lower auto insurance rates.
• Data Collection Discounts – People who choose to allow driving data submission to look at when and where they use their vehicle by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as the data is positive.
• College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Virginia Beach and don’t have a car can be insured at a reduced rate.

It’s important to understand that most credits do not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will bring down your policy cost.

The chart below compares Subaru Legacy insurance prices with and without some available policy discounts. The price estimates are based on a female driver, a clean driving record, no claims, Virginia state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, homeowner, claim-free, and multi-car discounts applied.

The best auto insurance companies and their possible discounts are:

• State Farm has savings for student away at school, driver’s education, Steer Clear safe driver discount, anti-theft, passive restraint, multiple autos, and good student.
• GEICO may have discounts that include federal employee, anti-theft, five-year accident-free, multi-policy, and anti-lock brakes.
• Progressive offers discounts for multi-vehicle, online quote discount, continuous coverage, online signing, good student, and multi-policy.
• 21st Century offers premium reductions for student driver, theft prevention, anti-lock brakes, automatic seat belts, teen driver, good student, and air bags.
• American Family has discounts for accident-free, multi-vehicle, mySafetyValet, good driver, and early bird.
• The Hartford may offer discounts for good student, driver training, vehicle fuel type, defensive driver, anti-theft, and air bag.
• AAA discounts include pay-in-full, multi-car, good driver, AAA membership discount, good student, and education and occupation.

It’s a good idea to ask every insurance company which discounts can lower your rates. Some discounts listed above may not be offered in Virginia Beach. If you would like to see a list of insurers with discount auto insurance rates in Virginia Beach, click this link.

Compare rate quotes but buy from a local Virginia Beach insurance agency

Certain consumers just want to buy from a licensed agent and that is just fine! Agents can help you build your policy and give you someone to call. The best thing about getting online price quotes is that you can find cheaper prices and still choose a local agent.

For easy comparison, once you complete this quick form, your insurance coverage information is emailed to companies in Virginia Beach that give free quotes for your coverage. You don’t have to search for an agent since rate quotes are delivered directly to you. If you need to get a price quote from a specific insurance company, you can always find their quoting web page and submit a quote form there.

Finding the right provider should include more criteria than just the bottom line cost. Here are some questions you might want to ask.

• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Does their agency support local causes in Virginia Beach?
• Does the quote include credit and driving reports?
• Is the agency covered by Errors and Omissions coverage?
• Do they get extra compensation for selling add-on coverages?

Below is a list of insurers in Virginia Beach who can help you get rate quotes for Subaru Legacy insurance in Virginia Beach.

More insurance agents

After getting acceptable answers for all questions you ask as well as cheap Legacy insurance quotes, it’s a good possibility that you have found a company that is professional and can provide insurance coverage.

Insurance is unique, just like you

When it comes to buying insurance from an agent or online, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply.
Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

• What vehicles should carry emergency assistance coverage?
• Does my policy cover me if I wreck while driving under the influence?
• Do I need PIP (personal injury protection) coverage in Virginia?
• Am I covered while delivering pizza?
• How do I buy GAP insurance?
• Am I covered when driving in Canada or Mexico?
• Will my insurance pay for OEM parts?
• When does my teenage driver need to be added to my policy?
• Should I pay a claim out-of-pocket?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Find affordable rates by being thorough

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are many occasions where an insured cut liability limits or collision coverage and learned later they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

In this article, we covered a lot of tips how to shop for Subaru Legacy insurance online. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest Subaru Legacy rate quotes. Consumers could even find that the biggest savings come from an unexpected company. Smaller companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or GEICO.

How to find the cheapest rates for Subaru Legacy insurance in Virginia Beach

Really, the only way to quote cheaper Subaru Legacy insurance is to make a habit of regularly comparing prices from providers in Virginia Beach. Price quotes can be compared by completing these steps.

• First, try to understand how car insurance works and the things you can control to prevent expensive coverage. Many policy risk factors that drive up the price such as speeding and a not-so-good credit score can be improved by making minor driving habit or lifestyle changes.
• Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes from multiple companies.
• Third, compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you can save money and make a switch, make sure coverage does not lapse between policies.

The critical component of shopping around is that you use identical limits and deductibles on each quote request and and to get price quotes from as many car insurance companies as possible. This ensures a fair price comparison and many rates to choose from.

More information can be read on the following sites:

• Medical Payments Coverage (Liberty Mutual)
• How Much are Car Insurance Rates for Drivers Requiring a SR22 in Virginia Beach? (FAQ)
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• Who Has Affordable Auto Insurance for a Ford F-150 in Virginia Beach? (FAQ)
• What Car Insurance is Cheapest for a Ford Explorer in Virginia Beach? (FAQ)
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• Who Has Affordable Auto Insurance for Teenage Males in Virginia Beach? (FAQ)
• Liability Insurance Coverage (Nationwide)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• Avoiding Deer Collisions (Insurance Information Institute)