
Cost of car insurance for your Subaru Legacy (2008) depends on various factors, including age and driving history of its driver as well as location. It is wise to evaluate these elements when making this decision.
Consider policy discounts such as good driver, safe driver, away-from-home student and multi-policy discounts when making your selections.
Liability Coverage
An comprehensive Subaru Legacy 248 engine car insurance policy should typically include liability (for injuries or property damage caused to others), collision (an optional feature which helps cover repairs to your Legacy should it get involved in an accident with another vehicle or object), uninsured motorist and medical coverage, guaranteed asset protection (GAP), mechanical breakdown insurance (MBI) as well as new car replacement/agreed value agreements should your car become total loss and you require enough funds to purchase an equivalent model (ncr or ancv). These are just the basics - consider additional coverages such as guaranteed asset Protection against financial obligations with guaranteed asset Protection for better peace of mind should your Legacy be declared total loss. These are just the basics but you should also consider additional policies such as guaranteed asset Protection against Gap between what your car owes what its value is worth against what it owes when making payments; mechanical breakdown insurance (MBI); new Car Replacement or agreed Value guarantees enough funds should your Legacy be declared totaled (if declared totaled).
As with any vehicle, the age of your Legacy will have an enormous effect on its car insurance premiums. On average, drivers of older cars tend to pay more than those driving newer ones - although as your Legacy depreciates over time its insurance rates should gradually decrease over time.
Location can also play an influential role when selecting Legacy insurance rates. Some states can have significantly higher or lower average premiums than others, so conducting due diligence on both state and city specific rates before choosing your provider is essential.
Take advantage of available Subaru Legacy insurance discounts to reduce costs further, such as safe driver, good student, away-from-home student and multi-policy discounts. Some insurers may even offer loyalty discounts as incentives to remain with them over time.
Other, out-of-your-control factors will also have an effect on your car insurance rates, such as gender, age and driving record. Men will typically pay more for car insurance than women while younger drivers typically have to pay significantly more than older ones; tickets or violations could increase premiums further still; to reduce premium costs best ensure safe driving practices!
Collision Coverage
Collision coverage costs for Subaru Legacy cars typically average approximately $550 annually, as part of a full coverage policy and required by lenders when leasing or financing one. Rates depend on where you live and state laws that may apply - for instance, an Iowa or Maine resident driving 1996 model could pay as little as $550 while one living in New York or Louisiana could easily spend at least $1,180 on such policies annually.
Other factors that can have an effect on insurance rates include driving record, vehicle type and age and whether there have been any moving violations or accidents on record for that driver. Insurance costs tend to increase for drivers under 25 while as they mature their costs will decline over time.
Insurance premiums often depend on risk and credit rating can have an enormous impact. A higher credit score can often translate to reduced premiums while those with poorer ratings could see their rates skyrocket significantly.
Your choice of Subaru Legacy car insurance policies can have an effect on their total costs as well. For instance, selecting gap coverage or mechanical breakdown insurance (MBI) could increase rates slightly as these policies protect against financial loss if your car is stolen or destroyed; these may be required by lenders when leasing or financing vehicles.
Insurance providers often vary greatly in their charges for coverage, so it's advisable to get multiple quotes. Hugo, Clearcover and AnswerFinancial may offer some of the cheapest coverage with monthly premiums as low as $29. USAA also frequently provides affordable policies that cater to active military personnel as well as their families.
Note that these figures are just an estimate, and your individual insurance rates will depend on many different variables such as your location, driving record and any discounts that apply. To get an accurate cost estimate for Subaru Legacy car insurance policies use one of our free quote tools here to generate personalized rate quotes and get personalized rate estimates.
Comprehensive Coverage
Comprehensive car insurance provides drivers with additional protection against theft, weather or other factors which can cause damage to their vehicles. It typically covers repair or replacement costs as well as compensation for medical expenses or lost wages that arise as a result of an accident. When selecting an insurance policy it is wise to consider adding comprehensive protection as this will give an extra level of security - it may even be worth paying extra if this feature provides added peace of mind.
Average Subaru Legacy car insurance rates tend to be significantly less expensive than the national average for midsize sedans, though rates can differ depending on your state and driver history. Insurance prices can be affected by factors like driving history, credit score and discounts offered through various providers; shopping around and comparing rates from various providers will help ensure you obtain the most cost-effective policy possible. It is wise to review and reevaluate your needs and rates regularly as your life changes.
Drivers looking to save money on Subaru Legacy car insurance should consider enrolling in a defensive driving course, enrolling in an auto payment plan and being an attentive and responsible driver. Such steps may help improve a driver's record and lower the likelihood of receiving tickets or committing other adverse driving acts that raise premiums significantly; even improving it just slightly could save up to $276 annually!
Purchase of a Subaru Legacy equipped with safety and technology features can often help to reduce insurance rates, as these features help mitigate accidents and injuries. Some examples include lane departure warning, adaptive cruise control and anti-lock brakes; additional security features may include engine immobilizers which prevent vehicles from starting up should keys become lost or stolen.
Subaru Legacy car insurance rates depend on various factors, including state laws, driver age, and household size. Michigan tends to have higher premiums while other places can provide cheaper coverage rates; typically an annual policy premium with full coverage runs $1,565 as opposed to the national average of $1,714.
Uninsured Motorist Coverage
Subaru Legacys are popular midsize cars on the market and highly affordable to insure. On average, their average cost of car insurance per month is around $80; that is $17 less than the national average across all vehicles. Many factors can impact how much you will pay in insurance; such as where you live, driving history and credit score - to get accurate quotes from multiple carriers is the best way to learn of how much a Subaru Legacy costs for coverage.
Average annual costs for comprehensive and collision coverage on a 2023 Subaru Legacy with comprehensive and collision insurance is $830. This coverage typically features a $500 comprehensive deductible, 30/60 bodily injury liability limits, and male drivers typically cost more due to driving records, age differences or gender discrimination; however some carriers provide discounts to drivers with good records regardless of gender.
If you prefer not to pay for full coverage policies, purchasing liability only insurance might be the better choice for you. This type of policy protects against collisions with vehicles or people but will not cover damage from drivers without coverage; average monthly rates for such policies start at $73 while we found MetLife to offer one of the more cost-effective plans available.
Bundling Subaru Legacy insurance with your homeowners or renters policy can save even more, up to 35% in savings! Use our free quote tool to compare rates from multiple providers for Subaru Legacy coverage - this could save even more!
Older vehicles tend to cost more to insure due to depreciation and increased theft or damage risks. The Legacy follows this rule with models 8-10 years old costing the most while those 15 or more years old being the least costly option for coverage.