Best Ways to Save on Cleveland Subaru Legacy Insurance

Want to learn how to save money and find more affordable Subaru Legacy insurance in Cleveland? Are you sick and tired of wondering where the money will come from to make your auto insurance payment? You’re in the same situation as most other vehicle owners in Ohio.

It’s shocking but nearly 70% of consumers renewed their policy with the same company for more than four years, and just under half have never shopped around. Consumers in America could save nearly $859 every year just by shopping around, but they feel it’s too difficult to compare other rate quotes.

How to find affordable quotes for Subaru Legacy insurance in Cleveland

If you want to save money, the best way to find affordable quotes for Subaru Legacy insurance in Cleveland is to annually compare prices from companies that insure vehicles in Ohio.

• Step 1: Try to learn a little about how companies price auto insurance and the changes you can make to prevent rate increases. Many things that result in higher prices like speeding tickets, careless driving and poor credit history can be eliminated by improving your driving habits or financial responsibility. Read the full article for more information to help keep prices low and find discounts that may have been missed.
• Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can quote prices for a wide range of insurance providers.
• Step 3: Compare the price quotes to the price on your current policy to determine if switching companies saves money. If you can save some money and make a switch, ensure there is no coverage lapse between policies.

A tip to remember is to try to use identical coverages on each quote and and to get price estimates from as many auto insurance providers as possible. Doing this enables the most accurate price comparison and the most accurate and complete price analysis.

Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a company to find the cheapest price on Subaru Legacy insurance in Cleveland.

Cheaper Subaru Legacy insurance rates in Cleveland

Companies don’t list every available discount very clearly, so the next list breaks down a few of the more well known and the harder-to-find credits that you can use to lower your rates.

• Passive Restraints and Air Bags – Options like air bags or motorized seat belts may get savings up to 30%.
• Responsible Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
• ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
• Driving Data Discount – Cleveland drivers who agree to allow companies to scrutinize driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.
• Theft Deterrent – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more on Legacy insurance in Cleveland.
• Low Mileage – Driving fewer miles could qualify for slightly better auto insurance rates than normal.
• Savings for New Vehicles – Buying auto insurance coverage on a new vehicle can be considerably cheaper since newer models are generally safer.
• Renewal Discounts – A few larger companies give discounts for switching to them before your current coverage expires. You can save around 10% with this discount.
• Accident Waiver – This isn’t a discount exactly, but companies like GEICO, Allstate and Liberty Mutual will forgive one accident without the usual rate increase if your claims history is clear prior to being involved in the accident.
• Bundled Policy Discount – If you can combine your home and auto policy with one company you may earn up to 20% and get you the cheapest Subaru Legacy insurance in Cleveland.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, you’re out of luck.

The chart below illustrates the comparison of Subaru Legacy car insurance costs with and without discounts applied. Data assumes a male driver, no claims or violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, marriage, safe-driver, and multi-car discounts applied.

The best auto insurance companies and a summarized list of policyholder discounts can be read below.

• American Family has savings for air bags, Steer into Savings, bundled insurance, accident-free, and early bird.
• Nationwide may offer discounts for business or organization, accident-free, Farm Bureau membership, anti-theft, family plan, and good student.
• MetLife policyholders can earn discounts including good driver, accident-free, claim-free, defensive driver, good student, multi-policy
• 21st Century offers premium reductions for anti-lock brakes, early bird, defensive driver, homeowners, teen driver, and driver training.
• Farmers Insurance discounts include business and professional, multi-car, youthful driver, alternative fuel, distant student, and teen driver.
• Allstate may have discounts that include premier plus, good student, 55 and retired, resident student, and good payer.

When getting free Cleveland auto insurance quotes, it’s a good idea to each company or agent which discounts can lower your rates. All car insurance discounts might not be offered on policies in Cleveland. To see providers that provide some of the discounts listed above in Ohio, click here to view.

The best way we recommend to compare car insurance company rates for Subaru Legacy insurance in Cleveland is to understand most of the bigger providers participate in online systems to give you rate quotes. To get started, all you need to do is take a few minutes to give details including how old drivers are, how many miles driven, whether your vehicle is owned or leased, and if your license is active. Your rating data is instantly submitted to many of the top insurers and you will get price comparisons instantly.

To start a quote now, click here and complete the form.

The companies shown below are our best choices to provide comparison quotes in Ohio. To locate cheaper auto insurance in Cleveland, it’s a good idea that you visit two to three different companies to find the cheapest car insurance rates.

Car insurance data for a Subaru Legacy

The premium information below covers a range of insurance policy prices for Subaru Legacy models. Having a better understanding of how policy rates are calculated helps drivers make smart policy decisions.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates noticeably.

Should you raise deductibles?

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The comparisons below can help you understand the difference in cost when you choose different policy deductibles. The first set of rates uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in specific location information which can raise or lower coverage prices noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $11 more each month or $132 each year than quoting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at least 23 months between claims, you would save money if you choose a higher deductible.

One important note is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a comprehensive or collision claim. You will want to have enough money in the bank in order to pay the deductible.

Should you buy full coverage?

The example below shows the comparison of Subaru Legacy auto insurance rates with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $500 deductibles, drivers are single, and no policy discounts are applied.

Are you wasting money on full coverage?

There is no set rule to eliminate physical damage coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Subaru Legacy claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying your deductible. If premiums are more than $300 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are some situations where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

Subaru Legacy Insurance Price Factors

Multiple criteria are taken into consideration when premium rates are determined. Most are fairly basic like a motor vehicle report, although some other factors are more obscure such as whether you are married or your vehicle rating. Part of the insurance buying process is learning some of the elements that aid in calculating your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that could help you find big savings.

• Avoid unnecessary add-on coverages – Insurance companies have many extra add-on coverages you can purchase on your Legacy policy. Insurance for rental car coverage, high-cost glass coverage, and term life insurance are probably not needed. They may seem good when buying your policy, but if you have no use for them eliminate the coverages to reduce your premium.
• Be proud to be claim-free – If you’re an insured who likes to file claims you should expect either a policy non-renewal or much higher rates. Insurance companies in Ohio generally give discounts to policyholders who are claim-free. Auto insurance is intended to be relied upon for the large, substantial claims.
• Liability protection is important – Liability coverage will afford coverage in the event that you are found liable for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Combine policies to earn discounts – Most larger insurance companies allow lower prices to people who have multiple policies with them in the form of a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even though this discount sounds good, drivers will still want to comparison shop to help guarantee you have the best rates. Consumers may save money even if you insure with multiple companies
• Buy a safe car and pay less – Cars with high safety ratings tend to be cheaper to insure. These vehicles reduce the chance of injuries and lower injury rates translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Subaru Legacy is rated at least four stars on Safercar.gov you may be receiving a better rate.

• Teenage drivers pay high prices – Inexperience drivers have been known to be less responsible when driving with friends so insurance rates are higher. More mature drivers have been proven to be more responsible, cost insurance companies less in claims, and get fewer tickets.

  The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Deter theft and pay less – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms help track and prevent car theft and help bring rates down.

• Subaru Legacy insurance loss statistics – Insurers use data from past claims to determine a price that will be profitable for them. Models that are shown to have increased losses will have higher rates for specific coverages.

  The next table shows the loss history for Subaru Legacy vehicles. For each coverage category, the loss probability for all vehicles compiled together is considered to be 100. Numbers shown that are under 100 imply a favorable loss record, while numbers shown that are more than 100 show a trend for more claims or statistically larger losses.

  
  

  Auto 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

Local insurance agents

Certain consumers still like to buy from a licensed agent and that is just fine! An additional benefit of comparing insurance prices online is you can get cheap auto insurance quotes and also buy local. Buying insurance from local insurance agencies is still important in Cleveland.

To make it easy to find an agent, after completing this short form, the quote information is emailed to agents in your area who will give competitive quotes for your auto insurance coverage. There is no reason to leave your house since rate quotes are delivered directly to your email. You can find better rates without having to waste a lot of time. If you need to get a comparison quote from one company in particular, you would need to go to their quote page and complete a quote there.

Choosing an insurance company requires you to look at more than just a low price. These are some questions you should get answers to.

• Are they able to provide referrals?
• Are all drivers listed on the coverage quote?
• Do they offer accident forgiveness?
• Can they help ensure a fair claim settlement?
• Will the agent help in case of a claim?
• Is there a local claims center in Cleveland?
• Can you choose the body shop in case repairs are needed?
• Which companies do they recommend if they are an independent agency?

After receiving good responses to your questions as well as an affordable premium quote, you’ve probably found an provider that meets your needs to insure your vehicles.

Car insurance does more than just repair your car

Even though it’s not necessarily cheap to insure a Subaru in Cleveland, buying car insurance is mandatory in Ohio but it also protects more than you think.

• Most states have compulsory liability insurance requirements which means state laws require a specific level of liability 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 loan on your Legacy, almost every bank will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Subaru at a more expensive rate and force you to pay the higher price.
• Insurance safeguards not only your Subaru but also your assets. It will also reimburse you for most medical and hospital costs incurred in an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your car insurance policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your Legacy are definitely more than the cost, especially when you need to use it. According to a 2015 survey, the average American driver overpays more than $825 a year so smart consumers compare quotes every year to save money.

One last thing to lower rates

There are still a few companies who do not offer internet price quotes and these small insurance companies only sell through local independent agents. Budget-friendly auto insurance in Cleveland is attainable from both online companies and also from your neighborhood Cleveland agents, and you need to comparison shop both in order to have the best chance of saving money.

We covered a lot of ways to get a better price on Subaru Legacy insurance in Cleveland. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. Consumers may even find the lowest premium rates are with an unexpected company. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

How to find low-cost Subaru Legacy insurance in Cleveland

If you want to save money, the best way to find more affordable auto insurance rates is to do an annual price comparison from providers who provide auto insurance in Cleveland. This can be done by following these steps.

1. Read about what is in your policy and the steps you can take to prevent expensive coverage. Many factors that result in higher rates like at-fault accidents, speeding tickets, and a bad credit score can be remedied by making lifestyle changes or driving safer.
2. Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO and Allstate, while independent agencies can quote rates from multiple companies.
3. Compare the new rate quotes to the price on your current policy and determine if cheaper Legacy coverage is available. If you find a lower rate and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
4. Notify your company or agent of your decision to cancel your current policy and submit payment along with a signed and completed policy application to the new company. Once the application is submitted, place the new proof of insurance paperwork with your vehicle’s registration.

A good tip to remember is to compare the same liability limits and deductibles on each price quote and and to get rate quotes from as many carriers as you can. Doing this guarantees an apples-to-apples comparison and the best rate selection.

More learning opportunities

• Frontal Crash Tests (iihs.org)
• Who Has Cheap Auto Insurance Quotes for Seniors in Cleveland? (FAQ)
• Who Has Cheap Auto Insurance for Ride Shares in Cleveland? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Honda Civic in Cleveland? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)