How to Save on Subaru Legacy Insurance in Riverside

If saving money is your primary concern, then the best way to get cheaper Subaru Legacy insurance is to compare prices once a year from insurers who sell insurance in Riverside.

First, spend a few minutes and learn about the coverage provided by your policy and the changes you can make to keep rates down. Many rating criteria that drive up the price like high-risk driving behaviors and an imperfect credit history can be eliminated by making minor changes to your lifestyle.

Second, compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple insurance companies.

Third, compare the new rate quotes to the price on your current policy to see if a cheaper rate is available. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.

One thing to remember is that you use the same physical damage deductibles and liability limits on every price quote and and to get rates from every company you can. This guarantees a fair rate comparison and the best rate selection.

Insurance rates Subaru Legacy in RiversideIt’s shocking but the vast majority of consumers kept buying from the same company for a minimum of four years, and almost half have never quoted auto insurance rates at all. With the average premium in California being $1,400, drivers could save themselves $469 a year, but they assume it’s a waste of time to compare rates and save money.

How to get Riverside Subaru Legacy insurance quotes

When quoting car insurance, remember that comparing all the rates in your area helps increase your odds of locating the best price. Some companies don’t provide online price quotes, so it’s important to compare price quotes from them, too.

The following companies have been selected to offer comparison quotes in California. If more than one company is shown, we recommend you visit several of them in order to get a fair rate comparison.

Subaru Legacy insurance rate analysis

The rate information shown below highlights estimates of insurance prices for Subaru Legacy models. Being more informed about how car insurance prices are figured can be valuable when making smart choices when purchasing an auto insurance policy.

Subaru Legacy Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $416 $464 $384 $22 $114 $1,400 $117
Legacy 2.5I Premium $416 $564 $384 $22 $114 $1,500 $125
Legacy 2.5I Premium $416 $564 $384 $22 $114 $1,500 $125
Legacy 3.6R Premium $458 $564 $384 $22 $114 $1,542 $129
Legacy 3.6R $458 $564 $384 $22 $114 $1,542 $129
Legacy 2.5I Limited $458 $564 $384 $22 $114 $1,542 $129
Legacy 2.5GT Premium $458 $664 $384 $22 $114 $1,642 $137
Legacy 3.6R Limited $458 $664 $384 $22 $114 $1,642 $137
Legacy 2.5 GT Limited $458 $664 $384 $22 $114 $1,642 $137
Legacy 2.5 GT Limited $458 $664 $384 $22 $114 $1,642 $137
Legacy 2.5 GT Limited $458 $664 $384 $22 $114 $1,642 $137
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in specific location which can increase or decrease price quotes greatly.

Accidents and violations increase rates

The information below demonstrates how citations and fender-benders can impact Subaru Legacy annual premium costs for different age groups. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

Insurance premiums based on gender

The diagram below shows the comparison of Subaru Legacy insurance premiums for male and female drivers. The costs are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.

Does it make sense to buy full coverage?

The information below illustrates the comparison of Subaru Legacy insurance costs with full coverage and liability only. The premium estimates are based on no claims or driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.

Should you pay for full coverage?

There is no set guideline of when to eliminate comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Subaru Legacy settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after paying your policy deductible. If it’s costing you more than $300 annually to have full coverage, then it could be time to drop full coverage.

There are some conditions where eliminating full coverage is not a good idea. If you haven’t satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Get cheaper rates on Subaru Legacy insurance in Riverside with these eight discounts

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but a few need to be specifically requested before being credited.Discount insurance

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, you aren’t that lucky.

The information below illustrates the comparison of Subaru Legacy insurance rates with and without discounts applied to the policy rates. The premiums assume a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, safe-driver, claim-free, and multi-car discounts applied.

To locate insurance companies that offer some of these discounts in California, follow this link.

Why you need quality insurance for your vehicle

Despite the fact that insurance is not cheap in Riverside, paying for insurance is a good idea for several reasons.

The benefits of insuring your car more than cancel out the cost, particularly when you have a large claim. As of last year, the average driver in California is overpaying over $700 annually so we recommend shopping around once a year at a minimum to be sure current rates are still competitive.

Insurance is available from agents near you

Certain consumers would prefer to buy from a licensed agent and that is a smart decision The biggest benefit of getting free rate quotes online is the fact that you can find lower rates and still buy from a local agent.

Insurance agency in RiversideOnce you complete this short form, your information is instantly submitted to participating agents in Riverside who will give competitive quotes for your coverage. There is no need to visit any agencies since price quotes are sent to you directly. You can find lower rates without a big time investment. In the event you want to get a rate quote from a particular provider, just visit that company’s website and fill out the quote form the provide.

Choosing the best company requires you to look at more than just the quoted price. A good agent in Riverside will have answers to these questions.

When researching local Riverside agents, there are two types of agencies and how they are distinctly different. Insurance agents can either be exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only provide pricing for a single company and examples are AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to compare other company’s rates so they really need to provide good service. Exclusive agencies are highly trained in insurance sales which helps them compete with independent agents. Some consumers prefer to buy from the same agent for years primarily because of high brand loyalty rather than having low rates.

Shown below are Riverside exclusive insurance agents willing to provide comparison quotes.

More Riverside agents

Independent Insurance Agencies

Agents that choose to be independent do not work for one specific company and that enables them to quote your coverage amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and you don’t have to do anything. When comparing insurance rates, you should always get rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. Many can place coverage with smaller companies which can save you money.

Shown below are Riverside independent agencies that can give you price quotes.

More Riverside agents

Insurance coverage basics

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and property damage coverage for $5,000.

Liability coverage pays for claims like repair bills for other people’s vehicles, structural damage, medical services and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing higher limits.

The next chart demonstrates why buying the state minimum limits may not be high enough to cover claims.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Subaru Legacy.

Because many people only carry the minimum required liability limits (California limits are 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses such as nursing services, hospital visits, dental work, prosthetic devices and funeral costs. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays for damage to your Legacy caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, sustaining damage from a pot hole, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible on your Legacy to save money on collision insurance.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, theft, damage from a tornado or hurricane, damage from flooding and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.