Having to pay for overpriced Subaru Legacy insurance in Evansville can draw down your personal savings and force you to cut corners elsewhere. Doing a price comparison is a fast and free way to tighten up your finances.

Insurance rates Subaru Legacy in EvansvilleA recent car insurance study revealed that almost 70% of drivers have stayed with the same insurance company for four years or more, and almost 40% of drivers have never compared rates to find cheaper insurance. Drivers in Evansville could save themselves approximately 55% a year by just comparing rate quotes, but most undervalue the large savings they would see if they swap their current policy for a cheaper one.

Since you have so many insurance companies to choose from that have cheaper insurance for a Subaru Legacy in Evansville, it can be impossible to pick the cheapest car insurance provider.

You should take the time to price shop coverage periodically because insurance rates change quite often. Even if you think you had the best rate on Subaru Legacy insurance in Evansville last year a different company probably has better prices today. You can find a lot of misleading information regarding Legacy insurance on the web, but by reading this article, you're going to learn some great ideas on how to reduce your car insurance bill.

Most larger insurance companies such as State Farm and Allstate give price estimates directly from their websites. Comparing prices online for Subaru Legacy insurance in Evansville is very simple as all you need to do is type in the coverages you want into the quote form. When the form is submitted, the system makes automated requests for your driving and credit reports and returns a price based on these factors. This makes it a lot easier to compare rates and it's very important to compare as many rates as possible in order to find cheaper prices.

To save time and compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you replicate deductibles and limits identical to your current policy. This ensures you will have rate comparison quotes for exact coverage.

The companies shown below provide quotes in Indiana. If more than one company is shown, it's highly recommended you compare several of them in order to find the most competitive rates.

Subaru Legacy Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $212 $256 $230 $14 $68 $780 $65
Legacy 2.5I Premium $218 $340 $288 $18 $86 $950 $79
Legacy 2.5I Premium $192 $230 $312 $18 $94 $846 $71
Legacy 3.6R Premium $210 $288 $270 $16 $80 $864 $72
Legacy 3.6R $258 $358 $270 $16 $80 $982 $82
Legacy 2.5I Limited $182 $264 $288 $18 $86 $838 $70
Legacy 2.5GT Premium $144 $230 $230 $14 $68 $686 $57
Legacy 3.6R Limited $222 $320 $246 $14 $74 $876 $73
Legacy 2.5 GT Limited $304 $472 $246 $14 $74 $1,110 $93
Legacy 2.5 GT Limited $234 $366 $230 $14 $68 $912 $76
Legacy 2.5 GT Limited $190 $296 $230 $14 $68 $798 $67
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in specific Evansville garaging location which can influence premiums considerably.

Careless driving habits raise car insurance rates

The chart below highlights how traffic violations and accident claims drive up Subaru Legacy auto insurance rates for different categories of driver ages. The data assumes a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Physical damage deductibles

When comparing car insurance rates, the most common question is which deductibles should you choose. The rates shown below illustrate the difference in cost when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Subaru Legacy insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $272 $300 $238 $14 $72 $921 $77
Legacy 2.5I Premium $272 $366 $238 $14 $72 $987 $82
Legacy 2.5I Premium $272 $366 $238 $14 $72 $987 $82
Legacy 3.6R Premium $300 $366 $238 $14 $72 $1,015 $85
Legacy 3.6R $300 $366 $238 $14 $72 $1,015 $85
Legacy 2.5I Limited $300 $366 $238 $14 $72 $1,015 $85
Legacy 2.5GT Premium $300 $430 $238 $14 $72 $1,079 $90
Legacy 3.6R Limited $300 $430 $238 $14 $72 $1,079 $90
Legacy 2.5 GT Limited $300 $430 $238 $14 $72 $1,079 $90
Legacy 2.5 GT Limited $300 $430 $238 $14 $72 $1,079 $90
Legacy 2.5 GT Limited $300 $430 $238 $14 $72 $1,079 $90
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Subaru Legacy insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $168 $188 $238 $14 $72 $680 $57
Legacy 2.5I Premium $168 $230 $238 $14 $72 $722 $60
Legacy 2.5I Premium $168 $230 $238 $14 $72 $722 $60
Legacy 3.6R Premium $186 $230 $238 $14 $72 $740 $62
Legacy 3.6R $186 $230 $238 $14 $72 $740 $62
Legacy 2.5I Limited $186 $230 $238 $14 $72 $740 $62
Legacy 2.5GT Premium $186 $270 $238 $14 $72 $780 $65
Legacy 3.6R Limited $186 $270 $238 $14 $72 $780 $65
Legacy 2.5 GT Limited $186 $270 $238 $14 $72 $780 $65
Legacy 2.5 GT Limited $186 $270 $238 $14 $72 $780 $65
Legacy 2.5 GT Limited $186 $270 $238 $14 $72 $780 $65
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in specific zip code location which can influence coverage rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $23 more each month or $276 a year than selecting the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 33 months between claims, you would probably be better off going with the higher deductible. Here is the way we made this calculation.

Average monthly premium for $250 deductibles: $86
Average monthly premium for $1,000 deductibles (subtract): - $63
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

Analysis of deductible levels

The diagram below shows how choosing a deductible and can impact Subaru Legacy annual premium costs for different insured age categories. The premiums assume a married male driver, full coverage, and no discounts are taken into consideration.

Car insurance is not optional in Indiana

Even though it can be expensive, insuring your vehicle is mandatory in Indiana but it also protects more than you think.

First, almost all states have compulsory liability insurance requirements which means the state requires specific limits of liability insurance coverage if you want to drive legally. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your vehicle with a loan, almost all lenders will make it mandatory that you buy insurance to ensure loan repayment if the vehicle is totalled. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Subaru for a lot more money and require you to pay for it.

Third, car insurance protects both your assets and your Subaru Legacy. It will also cover hospital and medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance definitely exceed the price paid, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $810 a year so it's very important to do a rate comparison each time the policy renews to make sure the price is not too high.

Why Smart Consumers Pay Less for Subaru Legacy Insurance

Smart consumers have a good feel for the rating factors that help determine your premiums. If you have a feel for what determines base rates, this helps enable you to make changes that may reward you with lower insurance prices. Many factors are part of the calculation when premium rates are determined. Some factors are common sense such as your driving record, but other criteria are less obvious like where you live or your vehicle rating.

Shown below are some of the things used by companies to determine premiums.

Do you qualify for discounts on Subaru Legacy insurance in Evansville?

Companies that sell car insurance don't always publicize every disount available very well, so the following list contains a few of the more common as well as the least known credits that you can use to lower your rates.Auto insurance discounts

Discounts save money, but please remember that some credits don't apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, you won't be that lucky. Any qualifying discounts should definitely cut your policy cost.

Large auto insurance companies and a summarized list of policyholder discounts are detailed below.

Check with every prospective company which credits you are entitled to. Some of the earlier mentioned discounts may not apply everywhere. To find companies with discount rates in Evansville, click here to view.

Get rate quotes but buy from a local Evansville insurance agent

A small number of people prefer to talk to an insurance agent and doing so can bring peace of mind One of the benefits of getting online price quotes is you can get the lowest rates but also keep your business local.

Evansville insurance agentsBy using this simple form, your insurance coverage information is sent to companies in Evansville that can give you free Evansville car insurance quotes to get your business. There is no need to do any legwork because prices are sent to you. You can get cheaper insurance rates and a licensed agent to work with. If you need to quote rates from a specific insurance company, feel free to find their quoting web page and give them your coverage information.

Picking a provider is decision based upon more than just the price. Any good agent in Evansville should know the answers to these questions.

If you are wanting to purchase insurance from a reputable agency, you must know there are a couple different agency structures that you can select. Agents are classified as either exclusive agents or independent agents.

Exclusive Insurance Agencies

Agents in the exclusive channel normally can only provide a single company's rates such as Farmers Insurance or State Farm. Exclusive agents are unable to shop your coverage around so they have to upsell other benefits. They are usually quite knowledgeable on what they offer which can be an advantage.

Listed below is a short list of exclusive insurance agents in Evansville that can give you price quotes.

419 E Diamond Ave - Evansville, IN 47711 - (812) 425-3300 - View Map

5600 E Virginia St - Evansville, IN 47715 - (812) 962-5801 - View Map

3116 E Morgan Ave d - Evansville, IN 47711 - (812) 474-0099 - View Map

More insurance agents

Independent Insurance Agents

Independent agents are appointed with more than one company and that enables them to quote your coverage with multiple insurance companies and find you cheaper rates. If premiums increase, the agent simply finds a different carrier and that require little work on your part.

When comparing insurance rates, we highly recommend that you get rate quotes from at least one independent agent to have the most options to choose from.

Below is a list of independent insurance agencies in Evansville willing to provide price quote information.

401 SE 6th St #106 - Evansville, IN 47708 - (888) 788-1565 - View Map

32 N Weinbach Ave - Evansville, IN 47711 - (812) 479-8651 - View Map

1136 Washington Square - Evansville, IN 47715 - (812) 491-0995 - View Map

More insurance agents

A conclusion for your car insurance search

As you quote Evansville car insurance, it's very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your aim should be to buy the best coverage you can find for the lowest cost while still protecting your assets.

We just covered quite a bit of information on how to shop for Subaru Legacy insurance online. It's most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from a company that doesn't do a lot of advertising. These smaller insurers often have lower prices on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

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