Discount Subaru Legacy insuranceAre you looking for a better way to compare cheaper Subaru Legacy insurance in Fort Wayne? Being forced to pay for expensive auto insurance premiums can sap your family's budget and require stricter spending habits.

Unbelievable but true according to a study most consumers kept their policy with the same company for over three years, and just short of a majority have never shopped around. With the average premium in Indiana being $1,390, drivers could pocket as much as 55% a year by just shopping around, but most just don't grasp how much savings they would realize if they changed companies. Drivers have multiple auto insurance companies to buy insurance from, and even though it's nice to have a choice, it makes it harder to find the lowest rates for Subaru Legacy insurance in Fort Wayne.

It's a great practice to get comparison quotes before your next renewal because auto insurance prices are constantly changing. Just because you had the lowest rates on Subaru Legacy insurance in Fort Wayne on your last policy you can probably find a lower rate today. Block out anything you think you know about auto insurance because I'm going to teach you the tricks you need to know to reduce your cost while increasing coverage.

Locating the best rates in Fort Wayne is really not that difficult. If you have insurance now or need new coverage, follow these tips to find better prices while maximizing coverage. Drivers only need an understanding of the most efficient way to compare rates from many companies at once.

Take policy discounts and save on Subaru Legacy insurance in Fort Wayne

Some insurance providers don't list every available discount very clearly, so below is a list both the well known as well as some of the hidden discounts that you may qualify for. If they aren't giving you every credit possible, you could be saving more on your car insurance.

While discounts sound great, it's important to understand that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you won't be that lucky.

A list of car insurance companies and a partial list of their discounts are outlined below.

When comparing rates, check with every insurance company which discounts can lower your rates. All car insurance discounts may not apply to policies in your state. To find car insurance companies with the best discounts in Indiana, follow this link.

Most of the larger companies like State Farm, GEICO and Progressive provide coverage price quotes directly from their websites. Doing online quotes for Subaru Legacy insurance in Fort Wayne is quite easy as all you need to do is type in the coverage amounts you desire into the quote form. Upon sending the form, their rating system orders your credit score and driving record and generates a price. Being able to quote online for Subaru Legacy insurance in Fort Wayne streamlines rate comparisons, and it is imperative to have as many quotes as possible if you are searching for the cheapest possible prices on car insurance.

To use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it's recommended you copy deductibles and limits exactly as they are listed on your policy. Doing this guarantees you will have comparison quotes for similar coverage.

The providers in the list below offer price comparisons in Indiana. If more than one company is shown, it's a good idea that you get rates from several of them to find the cheapest auto insurance rates.

Subaru Legacy Insurance Rate Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $172 $206 $230 $14 $68 $690 $58
Legacy 2.5I Premium $144 $236 $270 $16 $80 $746 $62
Legacy 2.5I Premium $346 $436 $312 $18 $94 $1,206 $101
Legacy 3.6R Premium $244 $294 $238 $14 $72 $862 $72
Legacy 3.6R $258 $358 $250 $14 $76 $956 $80
Legacy 2.5I Limited $262 $370 $230 $14 $68 $944 $79
Legacy 2.5GT Premium $160 $266 $250 $14 $76 $766 $64
Legacy 3.6R Limited $160 $266 $250 $14 $76 $766 $64
Legacy 2.5 GT Limited $288 $504 $270 $16 $80 $1,158 $97
Legacy 2.5 GT Limited $258 $444 $270 $16 $80 $1,068 $89
Legacy 2.5 GT Limited $334 $530 $322 $20 $96 $1,302 $109
Get Your Own Custom Quote Go

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate quotes do not factor in Fort Wayne location which can alter auto insurance rates considerably.

Higher deductibles save money

One of the more difficult decisions when buying car insurance is how high should your deductibles be. The figures shown below sum up the premium difference when you select higher and lower deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Subaru Legacy insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $304 $358 $238 $14 $72 $1,011 $84
Legacy 2.5I Premium $304 $436 $238 $14 $72 $1,089 $91
Legacy 2.5I Premium $304 $436 $238 $14 $72 $1,089 $91
Legacy 3.6R Premium $334 $436 $238 $14 $72 $1,119 $93
Legacy 3.6R $334 $436 $238 $14 $72 $1,119 $93
Legacy 2.5I Limited $334 $436 $238 $14 $72 $1,119 $93
Legacy 2.5GT Premium $334 $514 $238 $14 $72 $1,197 $100
Legacy 3.6R Limited $334 $514 $238 $14 $72 $1,197 $100
Legacy 2.5 GT Limited $334 $514 $238 $14 $72 $1,197 $100
Legacy 2.5 GT Limited $334 $514 $238 $14 $72 $1,197 $100
Legacy 2.5 GT Limited $334 $514 $238 $14 $72 $1,197 $100
Get Your Own Custom Quote Go
Subaru Legacy insurance rates 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 variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in zip code location which can decrease or increase price quotes greatly.

Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $32 more each month or $384 annually than buying the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 28 months between claim filings, you would probably be better off if you opt for a higher deductible. The illustration below shows the way you can come to your own conclusion.

Average monthly premium for $100 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): - $63
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One important issue to know is that raising deductibles to save money results in more money out-of-pocket when you file a claim. You need some available funds in order to pay more for the deductible.

Premiums by gender and age

The chart below shows the comparison of Subaru Legacy insurance prices for male and female drivers. Data assumes no violations or claims, full coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Higher deductibles lower rates

The information below demonstrates how deductible levels and can increase or decrease Subaru Legacy yearly insurance costs for different age groups. The information is based on a single female driver, full physical damage coverage, and no discounts are factored in.

Smart Buyers Can Reduce Their Insurance Costs

When buying car insurance it's important to understand some of the elements that go into determining your car insurance rates. If you know what determines premiums, this allows you to make good choices that could result in lower premium levels.

Do you know you're credit history? - An insured's credit rating can be a huge factor in determining what you pay for car insurance. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with bad credit. If your credit history can be improved, you could be paying less to insure your Subaru Legacy by taking the time to improve your credit score.

Can a thief steal your car? - Selecting a car model that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help prevent auto theft and help lower rates.

Why do you need liability insurance? - The liability coverage on your policy is the coverage that protects you if ever a jury decides you are liable for damages from an accident. Liability insurance provides for a legal defense to attempt to prove you were not liable. Liability insurance is quite affordable compared to comp and collision, so drivers should carry high limits.

Do you have a high stress employer? - Careers such as judges, air traffic controllers, and dentists are shown to have higher average rates in part from job stress and long work days. Other careers like farmers, historians and retirees have lower than average premiums.

High car insurance claims frequency drives up car insurance rates - Auto insurance companies in Indiana award the best rates to people who are claim-free. If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Your car insurance is intended to be relied upon for more catestrophic claims.

Accidents will cost you - Good drivers pay less for auto insurance as compared to careless drivers. Just one chargable violation can boost insurance rates to the point where it's not affordable. Drivers unfortunate enough to have flagrant citations such as DWI, reckless driving or hit and run convictions are required to prove financial responsibility with their state motor vehicle department in order to drive a vehicle legally.

Insurance loss data for Subaru Legacy vehicles - Auto insurance companies use statistical claims data to help set a rate to offset losses. Models that are shown to have higher losses will have higher premium rates. The next table shows the insurance loss data used by companies for Subaru Legacy vehicles.

For each type of coverage, the claim probability for all vehicles, without regard to make or model, is represented as 100. Values that are below 100 suggest a better than average loss history, while percentages above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.

Subaru Legacy Insurance Loss 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

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Do I just need basic coverages?

When selecting the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else's.

Here are some questions about coverages that might point out whether or not you could use an agent's help.

If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

When to talk to an agent

Certain consumers prefer to have an agent's advice and that is not a bad decision Professional insurance agents can point out coverage gaps and help submit paperwork. The best thing about comparing rates online is that drivers can save money and get better rates and still have a local agent.

Upon completion of this form (opens in new window), your insurance data is transmitted to agents in your area who want to provide quotes for your coverage. There is no reason to search for an agent since price quotes are sent to you instantly. If you wish to quote rates from a specific insurance company, feel free to jump over to their website and submit a quote form there.

Selecting an company requires more thought than just a cheap quote. Any agent in Fort Wayne should have no problem answering these questions:

If you would like to find a local insurance agency, you need to know there are two types of agencies that you can choose from. Agencies in Fort Wayne are categorized either exclusive or independent agents depending on their company appointments. Either can insure your vehicles properly, but it's a good idea to understand the subtle differences because it can factor into the kind of agent you use.

Exclusive Car Insurance Agencies

Exclusive agents are contracted to one company like Allstate, Farmers Insurance or State Farm. They usually cannot provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents are well trained in insurance sales which aids in selling service over price.

The following are Fort Wayne exclusive insurance agents that can give you price quotes.

7757 Coldwater Rd - Fort Wayne, IN 46825 - (260) 489-5503 - View Map

7105 Old Trail Rd - Fort Wayne, IN 46809 - (260) 747-2626 - View Map

3017 E State Blvd - Fort Wayne, IN 46805 - (260) 483-6583 - View Map

View more Fort Wayne agents

Independent Agents

Agents that choose to be independent can sell policies from many different companies so they can insure your vehicles amongst many companies and get the cheapest rates. If your premiums go up, your policy is moved internally and that require little work on your part. If you are comparing car insurance prices, it's recommended you get some free quotes from at least one independent agent to have the best price comparison.

Below is a list of independent agents in Fort Wayne who can help you get price quote information.

7011 Stellhorn Rd - Fort Wayne, IN 46815 - (800) 701-5909 - View Map

10729 Coldwater Rd #100 - Fort Wayne, IN 46845 - (260) 494-9035 - View Map

6628 Constitution Dr - Fort Wayne, IN 46804 - (260) 436-3544 - View Map

View more Fort Wayne agents

After talking to the agent and getting positive responses to these questions as well as a affordable price, you have narrowed it down to an insurance agent that is professional and can insure your vehicles. Just remember it's your policy and you can cancel your policy whenever you want so don't think you're contractually obligated to any specific agency for any length of time.

Insurance is not optional

Despite the fact that insurance is not cheap in Fort Wayne, paying for insurance serves a purpose in several ways.

The benefits of insuring your Legacy definitely exceed the cost, especially for larger claims. As of last year, the average driver in Indiana is currently overpaying as much as $855 a year so we recommend shopping around every year to ensure rates are competitive.

Compare. Compare. Compare.

We just covered some good ideas how you can find lower-cost Subaru Legacy insurance in Fort Wayne. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the best price on auto insurance is with some of the lesser-known companies.

More affordable auto insurance in Fort Wayne can be sourced from both online companies in addition to many Fort Wayne insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies don't offer the ability to get quotes online and usually these regional insurance providers only sell coverage through independent agents.

When searching for affordable Subaru Legacy insurance quotes, never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

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