Affordable Quotes for Subaru Legacy Insurance in Philadelphia

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Insurance rates Subaru Legacy in PhiladelphiaHaving to pay for expensive car insurance in Philadelphia can empty your family's budget and possibly require you to analyze your spending habits. Comparing rate quotes is an excellent way to slash your bill and have more diposable income.

Everyone knows that insurance companies want to keep your business as long as possible. Insureds who shop around for cheaper rates are likely to switch car insurance companies because the odds are good of finding a lower-cost company. A study showed that people who shopped around saved on average $865 annually compared to policyholders who don't make a habit of comparing rates.

If finding the best price on Subaru Legacy insurance in Philadelphia is your objective, then having a grasp of how to choose a company and compare auto insurance can save time and make the process easier.

Many insurers vie for your insurance dollar, so it's not easy to compare every insurer to get the lowest price on Subaru Legacy insurance in Philadelphia.

If you are already insured, you will surely be able to buy cheaper auto insurance using these methods. Finding the cheapest coverage in Philadelphia is quite easy. Nevertheless, Pennsylvania car owners need to learn the way insurance companies market insurance on the web because rates fluctuate considerably.

Just keep in mind that comparing all the rates in your area increases the chance that you will find a lower rate.

The following companies are our best choices to provide price comparisons in Pennsylvania. If multiple companies are listed, it's highly recommended you visit as many as you can to get the best price comparison.

Get cheaper Subaru Legacy insurance in Philadelphia with discounts

Insurance is easily one of your largest bills, but you may qualify for discounts to help offset the cost. Certain discounts will be applied at quote time, but some must be manually applied prior to getting the savings.Cheaper insurance with discounts

  • Safe Driver Discounts - Accident-free drivers can get discounts for up to 45% lower rates than drivers with accidents.
  • Clubs and Organizations - Joining qualifying clubs or civic groups could earn you a nice discount on insurance.
  • Claim-Free Discount - Drivers who don't have accidents can earn big discounts in comparison with drivers with a long claim history.
  • Sign Online - Certain insurance companies provide a small discount for signing up over the internet.
  • Military Deployment Discount - Having an actively deployed family member could be rewarded with lower premium rates.
  • Air Bags and Passive Restraints - Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.

Discounts lower rates, but most credits do not apply to the entire cost. Most cut individual premiums such as comp or med pay. So when it seems like you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

The chart below shows the comparison of Subaru Legacy annual premium costs with and without some available policy discounts. Data assumes a male driver, no violations or claims, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-car, homeowner, and multi-policy discounts applied.

Car insurance companies who might offer some of the above discounts possibly include:

If you are trying to find low cost Philadelphia auto insurance quotes, ask all the companies to give you their best rates. Some credits may not be available in your area. To locate providers that offer multiple discounts in Pennsylvania, follow this link.

Rates and other information

The data table below showcases estimates of insurance policy prices for Subaru Legacy models. Having knowledge of how policy rates are calculated can benefit drivers when making smart choices when buying a car insurance policy.

Subaru Legacy Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $406 $420 $366 $22 $110 $1,324 $110
Legacy 2.5I Premium $406 $512 $366 $22 $110 $1,416 $118
Legacy 2.5I Premium $406 $512 $366 $22 $110 $1,416 $118
Legacy 3.6R Premium $448 $512 $366 $22 $110 $1,458 $122
Legacy 3.6R $448 $512 $366 $22 $110 $1,458 $122
Legacy 2.5I Limited $448 $512 $366 $22 $110 $1,458 $122
Legacy 2.5GT Premium $448 $602 $366 $22 $110 $1,548 $129
Legacy 3.6R Limited $448 $602 $366 $22 $110 $1,548 $129
Legacy 2.5 GT Limited $448 $602 $366 $22 $110 $1,548 $129
Legacy 2.5 GT Limited $448 $602 $366 $22 $110 $1,548 $129
Legacy 2.5 GT Limited $448 $602 $366 $22 $110 $1,548 $129
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in Philadelphia location which can impact prices greatly.

Analysis of deductible levels

One common question asked by Philadelphia drivers is how high should the deductibles for physical damage be. The following tables can help you visualize the rate fluctuation of buying low and high insurance deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Subaru Legacy insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $356 $420 $280 $16 $84 $1,181 $98
Legacy 2.5I Premium $356 $512 $280 $16 $84 $1,273 $106
Legacy 2.5I Premium $356 $512 $280 $16 $84 $1,273 $106
Legacy 3.6R Premium $392 $512 $280 $16 $84 $1,309 $109
Legacy 3.6R $392 $512 $280 $16 $84 $1,309 $109
Legacy 2.5I Limited $392 $512 $280 $16 $84 $1,309 $109
Legacy 2.5GT Premium $392 $602 $280 $16 $84 $1,399 $117
Legacy 3.6R Limited $392 $602 $280 $16 $84 $1,399 $117
Legacy 2.5 GT Limited $392 $602 $280 $16 $84 $1,399 $117
Legacy 2.5 GT Limited $392 $602 $280 $16 $84 $1,399 $117
Legacy 2.5 GT Limited $392 $602 $280 $16 $84 $1,399 $117
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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
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Cost estimates assume 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 zip code location which can raise or lower coverage prices substantially.

Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $38 more each month or $456 a year than buying the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 24 months between claims, you would come out ahead if you decide on a higher deductible. The table below illustrates an example of how you can make your own decision.

Average monthly premium for $100 deductibles: $111
Average monthly premium for $1,000 deductibles (subtract): - $73
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One thing to note is that raising deductibles means you will have to pay more out-of-pocket if you have a claim. You will want to have some savings in the event you need to pay the deductible.

The example below highlights how deductible choice and can change Subaru Legacy insurance costs for different age groups. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Auto insurance premiums based on gender

The information below compares Subaru Legacy auto insurance costs for male and female drivers. The data is based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Save Money with These Tips

Smart consumers have a good feel for the rating factors that are used to determine your policy premiums. If you have a feel for what influences your rates, this enables you to make decisions that can earn you cheaper rates.

The following are a partial list of the pieces used by insurance companies to determine your rate level.

  • High performance equals high rates - The performance level of the car you need to insure makes a substantial difference in your premium level. The cheapest insurance rates are for small economy passenger vehicles, but your final cost has many other factors.

    The following chart is based on a married female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The data compares Subaru Legacy policy rates compared to other makes and models that have a range of performance rating factors.

  • Big cities mean more claims - Having an address in less populated areas of the country can be a good thing when it comes to insurance. Residents of big cities have to deal with congested traffic and more severe claims. Less people translates into fewer accident claims and a lower car theft rate.
  • Is your vehicle theft-ready? - Selecting a car model that has an advanced theft prevention system can help bring down rates. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all help prevent vehicle theft.
  • Credit score impact insurance rates - Having a bad credit score can be a huge factor in determining what you pay for insurance. If your credit score is low, you could be paying less to insure your Subaru Legacy by improving your credit score. Insureds that have excellent credit tend to be better drivers and file fewer claims than drivers with worse credit.
  • Single vs. married - Walking down the aisle may cut your premiums on your insurance policy. Having a spouse demonstrates that you tend to be more mature and responsible and statistics show married drivers tend to file fewer claims.
  • What's your car's IIHS safety rating? - Safe vehicles are cheaper to insure. The safest vehicles protect occupants better and fewer injuries means lower claim amounts which can mean better rates for you. If your Subaru Legacy is rated at a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Expect high rates for teens - Inexperience drivers tend to be easily distracted when driving with friends and because of this, their insurance rates are much higher. Parents adding a beginning driver onto your insurance can break the bank. Older, more experienced drivers are more responsible, cost insurance companies less in claims, and usually have better credit.

    The chart below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Rates increase with driving citations - Being a careful driver influences premium rates substantially. Just one speeding ticket could increase your next policy renewal forty percent or more. Drivers with clean records have lower premiums than people who have multiple driving citations. Drivers who have gotten careless citations like hit and run, DWI or reckless driving convictions might be required by their state to maintain a SR-22 with their state motor vehicle department in order to legally drive.

    The diagram below illustrates how speeding tickets and accident claims drive up Subaru Legacy insurance costs for different categories of driver ages. The price estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

  • Loss probability for a Subaru Legacy - Car insurance companies analyze claim trends for every vehicle to help calculate a profitable premium price. Models that statistically have higher frequency or amount of claims will have higher rates. The table below demonstrates the insurance loss data for Subaru Legacy vehicles.

    For each policy coverage, the loss probability for all vehicles, as an average, equals 100. Values that are below 100 suggest a positive loss record, while percentages above 100 point to more losses or tendency to have higher losses.

    Subaru Legacy Insurance Claim Statistics
    Specific Subaru 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
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance agent or online?

A small number of people just prefer to talk to a local agent. A nice benefit of comparing rate quotes online is that you can find cheap insurance quotes and still buy from a local agent. And buying from local agents is definitely important in Philadelphia.

To help locate an agent, after submitting this quick form, your insurance coverage information is transmitted to companies in Philadelphia who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to visit any agencies because prices are sent immediately to you. You can find the lowest rates without the usual hassles of price shopping. If you wish to quote rates for a specific company, feel free to navigate to their website and complete a quote there.

Finding the right provider should depend on more than just the premium amount. Any agent in Philadelphia should be forthright in answering these questions:

  • Do they specialize in personal lines coverage in Philadelphia?
  • Does the agency support the community they serve?
  • Are they able to influence company decisions when a claim is filed?
  • Are all drivers listed on the coverage quote?
  • Do they have a Better Business Bureau rating in Philadelphia?

After getting acceptable answers to any questions you may have as well as inexpensive Subaru Legacy insurance in Philadelphia quotes, it's a good possibility that you have found an insurer that is reputable and can insure your vehicles.

One last thing to lower rates

You just read a lot of ways to reduce Subaru Legacy insurance prices online in Philadelphia. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding inexpensive Philadelphia auto insurance quotes. You may even find the most savings is with the least-expected company. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate, GEICO and Progressive.

As you shop your coverage around, never reduce needed coverages to save money. In many cases, someone dropped physical damage coverage to discover at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best cost, but don't skip important coverages to save money.

Even more information is located by following these links: