Cheapest Irvine Subaru Legacy Insurance

A recent insurance study revealed that nearly 70% of customers have been with the same company for at least four years, and roughly 40% of drivers have never shopped around. Many drivers in California could save themselves nearly $500 a year, but most just don’t grasp how much money they would save if they moved their coverage to a different company.

Insurance for Subaru LegacyThe preferred way to find the cheapest price for Subaru Legacy insurance is to annually compare prices from providers who sell insurance in Irvine. Drivers can shop around by following these guidelines.

First, take a few minutes and learn about auto insurance and the steps you can take to prevent expensive coverage. Many rating criteria that cause rate increases such as speeding and a poor credit rating can be amended by making minor changes to your lifestyle. Read the full article for the details to help prevent high rates and find overlooked discounts.

Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can quote prices for many different companies.

Third, compare the new quotes to your current policy and determine if cheaper Legacy coverage is available. If you can save money and change companies, make sure coverage does not lapse between policies.

Fourth, notify your company or agent of your intention to cancel your current policy. Submit the application along with any required down payment to your new carrier. As soon as you have the new policy, put the certificate verifying proof of insurance along with your vehicle registration.

The most important part of this process is to make sure you’re comparing identical limits and deductibles on each quote and and to get prices from every insurance company. This provides an apples-to-apples comparison and and a good selection of different prices.

Buying the cheapest insurance policy in Irvine is simple if you know the tricks. If you are already insured or just want to reduce your rates, use these techniques to buy cheaper insurance and possibly find even better coverage. Comparison shoppers only have to learn the quickest way to compare insurance rates instantly.

Affordable companies for Subaru Legacy insurance

The following companies are ready to provide price quotes in California. If you wish to find cheap auto insurance in Irvine, we recommend you compare several of them to get the best price comparison.

Auto insurance analysis for a Subaru Legacy

The coverage table displayed below showcases a range of insurance coverage prices for Subaru Legacy models. Having a better idea how insurance policy premiums are determined can assist in making informed decisions when shopping around for a new policy.

Subaru Legacy Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $300 $374 $424 $26 $128 $1,252 $104
Legacy 2.5I Premium $300 $454 $424 $26 $128 $1,332 $111
Legacy 2.5I Premium $300 $454 $424 $26 $128 $1,332 $111
Legacy 3.6R Premium $330 $454 $424 $26 $128 $1,362 $114
Legacy 3.6R $330 $454 $424 $26 $128 $1,362 $114
Legacy 2.5I Limited $330 $454 $424 $26 $128 $1,362 $114
Legacy 2.5GT Premium $330 $536 $424 $26 $128 $1,444 $120
Legacy 3.6R Limited $330 $536 $424 $26 $128 $1,444 $120
Legacy 2.5 GT Limited $330 $536 $424 $26 $128 $1,444 $120
Legacy 2.5 GT Limited $330 $536 $424 $26 $128 $1,444 $120
Legacy 2.5 GT Limited $330 $536 $424 $26 $128 $1,444 $120
Get Your Own Custom Quote Go

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in specific Irvine garaging location which can impact insurance rates substantially.

Policy deductible comparison

One of the most common auto insurance questions is the level to set your comp and collision deductibles. The comparison tables below can help show how much more rates are when you select higher and lower physical damage coverage deductibles. The first rate table uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Subaru Legacy insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $478 $564 $376 $22 $112 $1,577 $131
Legacy 2.5I Premium $478 $686 $376 $22 $112 $1,699 $142
Legacy 2.5I Premium $478 $686 $376 $22 $112 $1,699 $142
Legacy 3.6R Premium $528 $686 $376 $22 $112 $1,749 $146
Legacy 3.6R $528 $686 $376 $22 $112 $1,749 $146
Legacy 2.5I Limited $528 $686 $376 $22 $112 $1,749 $146
Legacy 2.5GT Premium $528 $810 $376 $22 $112 $1,873 $156
Legacy 3.6R Limited $528 $810 $376 $22 $112 $1,873 $156
Legacy 2.5 GT Limited $528 $810 $376 $22 $112 $1,873 $156
Legacy 2.5 GT Limited $528 $810 $376 $22 $112 $1,873 $156
Legacy 2.5 GT Limited $528 $810 $376 $22 $112 $1,873 $156
Get Your Own Custom Quote Go

Subaru Legacy insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $348 $382 $376 $22 $112 $1,240 $103
Legacy 2.5I Premium $348 $464 $376 $22 $112 $1,322 $110
Legacy 2.5I Premium $348 $464 $376 $22 $112 $1,322 $110
Legacy 3.6R Premium $384 $464 $376 $22 $112 $1,358 $113
Legacy 3.6R $384 $464 $376 $22 $112 $1,358 $113
Legacy 2.5I Limited $384 $464 $376 $22 $112 $1,358 $113
Legacy 2.5GT Premium $384 $546 $376 $22 $112 $1,440 $120
Legacy 3.6R Limited $384 $546 $376 $22 $112 $1,440 $120
Legacy 2.5 GT Limited $384 $546 $376 $22 $112 $1,440 $120
Legacy 2.5 GT Limited $384 $546 $376 $22 $112 $1,440 $120
Legacy 2.5 GT Limited $384 $546 $376 $22 $112 $1,440 $120
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in specific location which can raise or lower auto insurance rates considerably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $33 more each month or $396 annually across all Subaru Legacy models than choosing the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 12 months between claim filings, you would probably be better off by going with a higher deductible.

What Determines Subaru Legacy Insurance Prices?

Lots of factors are used when pricing auto insurance. Some are pretty understandable such as your driving record, but some are more transparent such as your credit history or your financial responsibility. Part of the auto insurance buying process is learning some of the things that play a part in calculating your policy premiums. If you understand what determines premiums, this enables informed choices that could result in cheaper rates.

The list below includes just a few of the factors that factor into your prices.

Men pay higher costs – Statistics demonstrate women are more cautious behind the wheel. This data doesn’t prove that males are worse at driving than females. Females and males are responsible for auto accidents in similar numbers, but the men get into accidents with more damage. In addition to higher claims, males also get ticketed for serious violations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and therefore pay the highest rates.

The chart below shows the difference between Subaru Legacy insurance prices for male and female drivers. The premiums assume no accidents or driving violations, comp and collision included, $250 deductibles, drivers are not married, and no policy discounts are applied.

Increase comp and collision deductibles and save – Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Subaru. A few examples of covered claims are a windshield shattered by a rock, hitting a deer, and windstorm damage. Physical damage deductibles are how much you are required to spend if you file a covered claim. The more damage repair cost you’re willing to pay, the better rate you will receive.

Drive less and pay lower prices – The higher the miles on your Subaru annually the higher your rates will be. A lot of insurance companies calculate prices based upon how you use the vehicle. Cars and trucks that do not get driven very much receive lower rates than those used for commuting. It’s always a good idea to double check that your declarations sheet states the correct driver usage. An incorrectly rated Legacy can cost quite a bit.

Older drivers save more – Older drivers tend to be more responsible, statistically cause fewer accidents, and are generally more financially stable. Teen drivers are known to be careless and easily distracted when driving so auto insurance rates are higher.

The following chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Subaru Legacy claim statistics – Insurance companies analyze claim trends for every vehicle to help set a rate to offset losses. Vehicles that the data determines to have higher frequency or amount of claims will have a higher cost to insure. The table below shows the historical loss data for Subaru Legacy vehicles.

For each policy coverage type, the loss probability for all vehicles, without regard to make or model, is a value of 100. Values that are below 100 imply a favorable loss record, while numbers above 100 indicate more frequent losses or larger claims.

Car 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

Empty fields indicate not enough data collected
Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Irvine insurance discounts

Insurance can cost an arm and a leg, but there could be available discounts that can help lower your rates. Many discounts should be triggered at quote time, but some discounts are required to be asked about before you will receive the discount.Save money with discounts

Drivers should understand that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business.

The example below illustrates the difference between Subaru Legacy auto insurance rates with and without policy discounts. The costs are based on a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, claim-free, homeowner, and marriage discounts applied.

A list of insurance companies and a summarized list of policyholder discounts can be found below.

Double check with each company which discounts they offer. Discounts may not apply to policies in Irvine. To see a list of insurance companies with the best Subaru Legacy insurance discounts in California, click here to view.

Buying from insurance agents

Some consumers would rather get advice from a local agent. Agents are trained risk managers and will help you if you have claims. An additional benefit of getting free rate quotes online is that you can find cheap insurance quotes and still have a local agent. Supporting small agencies is important particularly in Irvine.

Insurance agents in IrvineTo find an agent, once you fill out this form (opens in new window), your insurance data is transmitted to participating agents in Irvine that give free quotes to get your business. It makes it easy because there is no need to contact any agents because quoted prices will be sent to you instantly. If you wish to quote rates from one company in particular, you can always navigate to their website and give them your coverage information.

If you want to use a good insurance agency, it helps to know the two types of insurance agents and how they operate. Agencies in Irvine are either exclusive or independent agents depending on their company appointments. Both types can do a good job, but it’s important to point out why they differ because it can impact which agent you choose.

Independent Insurance Agents

Independent agencies can quote rates with many companies so they can quote policies through many companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and the insured can keep the same agent.

When comparing insurance prices, we highly recommend that you include price quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. Most can insure with smaller mutual companies which can save you money.

Below is a short list of independent agents in Irvine that may be able to give free price quotes.

More Irvine agents

Exclusive Insurance Agents

Agents that choose to be exclusive can usually just insure with one company like State Farm, Allstate, or Farmers Insurance. They are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on sales techniques which helps offset the inability to provide other markets. Some consumers prefer to buy insurance from these agents mainly due to the brand and the convenience of having a single billing for all their coverages.

Listed below are Irvine exclusive insurance agencies that can give you price quotes.

More Irvine agents

Picking a auto insurance agent needs to be determined by more than just the bottom line cost. You should also get answers to these questions.

Ratings for California auto insurance companies

Choosing the top car insurance company can be challenging considering how many companies provide coverage in Irvine. The company rank data shown below may help you choose which coverage providers to look at comparing rates from.

Top 10 Irvine Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Irvine Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Quote often and quote early

Low-cost Subaru Legacy insurance in Irvine can be sourced on the web as well as from independent agents in Irvine, so you need to shop Irvine auto insurance with both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and many times these regional carriers prefer to sell through local independent agents.

We just showed you many tips how you can lower your Subaru Legacy insurance prices in Irvine. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a small local company.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. In many instances, someone dropped collision coverage only to regret at claim time that it was a big error on their part. Your goal is to get the best coverage possible at a price you can afford and still be able to protect your assets.

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