Car Insurance Rates for a Subaru Legacy in Arlington

Insurance rates Subaru Legacy in ArlingtonIf you want to save money, the best way to get low-cost Subaru Legacy insurance is to regularly compare quotes from companies who sell insurance in Arlington. You can compare prices by completing these steps.

  1. Get an understanding of how auto insurance works and the changes you can make to lower rates. Many rating criteria that drive up the price like traffic tickets, fender benders, and a less-than-favorable credit history can be improved by improving your driving habits or financial responsibility.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes from many different companies.
  3. Compare the quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate quote, verify that coverage does not lapse between policies.
  4. Provide proper notification to your current company to cancel your current policy. Submit payment and a signed application for your new coverage. Be sure to safely store the certificate of insurance in an accessible location in your vehicle.

The key aspect of shopping around is that you’ll want to make sure you compare the same amount of coverage on each quote and and to get quotes from as many different companies as possible. This helps ensure a fair rate comparison and plenty of rates choose from.

Everyone knows that auto insurance companies don’t want policyholders to shop around. Drivers who get comparison quotes at least once a year will presumably buy a different policy because there is a good probability of finding a policy with better rates. A recent study showed that drivers who faithfully checked for cheaper rates saved an average of $865 annually as compared to drivers who never shopped for cheaper rates.

If saving the most money on Subaru Legacy insurance in Arlington is your ultimate target, knowing how to get free comparison quotes and analyze car insurance can help you succeed in finding affordable rates.

Insurance rate breakdown

The table shown below highlights detailed analysis of insurance rates for Subaru Legacy models. Having insight into how premiums are determined is important for you to make smart policy decisions.

Subaru Legacy Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $354 $502 $366 $22 $110 $1,354 $113
Legacy 2.5I Premium $354 $610 $366 $22 $110 $1,462 $122
Legacy 2.5I Premium $354 $610 $366 $22 $110 $1,462 $122
Legacy 3.6R Premium $390 $610 $366 $22 $110 $1,498 $125
Legacy 3.6R $390 $610 $366 $22 $110 $1,498 $125
Legacy 2.5I Limited $390 $610 $366 $22 $110 $1,498 $125
Legacy 2.5GT Premium $390 $718 $366 $22 $110 $1,606 $134
Legacy 3.6R Limited $390 $718 $366 $22 $110 $1,606 $134
Legacy 2.5 GT Limited $390 $718 $366 $22 $110 $1,606 $134
Legacy 2.5 GT Limited $390 $718 $366 $22 $110 $1,606 $134
Legacy 2.5 GT Limited $390 $718 $366 $22 $110 $1,606 $134
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific location which can increase or decrease premium rates noticeably.

The example below demonstrates how choosing different deductibles and can influence Subaru Legacy insurance costs for each age group. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Components of Your Subaru Legacy Insurance Premiums

Lots of factors are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, but some are more obscure such as your marital status or how safe your car is. Consumers need to have an understanding of some of the things that come into play when calculating insurance rates. When consumers understand what determines premiums, this allows you to make educated decisions that could help you find lower rates.

The list below includes some of the things used by your company to calculate your rates.

Tickets mean higher rates – Being a careful driver can have a huge impact on auto insurance premiums. Even one driving citation could increase your next policy renewal twenty percent or more. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers with serious citations like reckless driving or DUI may be required to prove financial responsibility with their state’s department of motor vehicles in order to legally drive.

The information below demonstrates how traffic citations and at-fault claims drive up Subaru Legacy insurance premiums for different age groups. The data assumes a single female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Your car’s features help determine premiums – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your vehicle from being stolen.

Your address can impact price – Having an address in a rural area may provide you with better prices when insuring your vehicles. Lower population means fewer accidents and lower theft and vandalism rates. People who live in big cities have congested traffic and longer commute times. More time commuting translates into higher accident risk.

Are you male or female? – Over time, data shows that women are safer drivers than men. It does not mean men are WORSE drivers than women. Women and men are responsible for accidents in similar numbers, but men cause more damage. Men also statistically receive more major tickets such as reckless driving.

The diagram below illustrates the difference between Subaru Legacy car insurance costs for male and female drivers. The data is based on no accidents, no driving violations, full coverage, $1,000 deductibles, single status, and no policy discounts are applied.

Eliminate unneeded extra policy coverages – There are a ton of optional add-on coverages that can add up if you aren’t diligent. Coverages for rental car reimbursement, high-cost glass coverage, and Farm Bureau memberships are probably not needed. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

High insurance claims frequency drives up prices – Auto insurance companies in Texas generally give better rates to insureds who are claim-free. If you are the type of insured that files lots of claims you can pretty much guarantee higher rates. Insurance coverage is designed for claims that you cannot pay yourself.

Subaru Legacy claim statistics – Companies analyze claim trends for every vehicle to calculate a price that offsets possible losses. Vehicles that the statistics show to have increased losses will have increased rates. The table below illustrates the compiled insurance loss statistics for Subaru Legacy vehicles.

For each insurance policy coverage type, the claim probability for all vehicles combined as an average is represented as 100. Values that are 100 or less are indicative of better than average losses, while percentages above 100 indicate more frequent losses or an increased chance of larger losses than average.

Insurance Loss Ratings for Subaru Legacy Vehicles
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

Insurance savings summarized

As you quote Arlington auto insurance, it’s very important that you do not buy less coverage just to save a little money. In many cases, drivers have reduced physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

Insureds who switch companies do it for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, unfair underwriting practices and policy non-renewal. Regardless of your reason for switching companies, switching companies is less work than it seems.

We just showed you quite a bit of information on how to save on Subaru Legacy insurance in Arlington. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may even discover the biggest savings come from a lesser-known regional company.

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