Save Money on Subaru Legacy Insurance in San Antonio

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Insurance quote for Subaru Legacy in San AntonioDo you want to save money by buying lower-priced Subaru Legacy insurance in San Antonio? Wish you could get a refund on overpriced Subaru Legacy insurance in San Antonio? Trust us, there are many San Antonio consumers feeling the pinch from expensive car insurance.

Shocking but true, over 70% of drivers have been with the same company for more than four years, and roughly 40% of drivers have never quoted car insurance rates at all. San Antonio drivers could save themselves as much as $1,766 a year just by shopping around, but most tend to underestimate the actual amount they would save if they switched.

There are many insurers to pick from, and even though it's nice to have multiple companies, it makes it harder to get the best deal for Subaru Legacy insurance in San Antonio.

It's smart to compare rates occasionally since rates go up and down regularly. If you had the best rate on Subaru Legacy insurance in San Antonio a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you're about to learn the best way to find great coverage at a great price.

Locating the most cost-effective auto insurance policy in San Antonio is quite easy if you know the best way to do it. Basically, everyone who needs more affordable auto insurance should find a lower-cost policy. But Texas vehicle owners must learn the methods companies use to sell insurance online because it can help you find the best coverage.

Insurance Price Influencing Factors

Lots of things are taken into consideration when you quote your car insurance policy. Some are pretty understandable like your driving record, although others are more obscure such as your credit history or how safe your car is.

Listed below are a few of the "ingredients" that factor into your prices.

Car plus home equals more savings - Most insurance companies provide lower prices for people who have multiple policies with them. It's known as a multi-policy discount. Even with this discount applied, consumers should still comparison shop to help ensure you have the lowest rates.

Drivers with good credit save on insurance - Credit score factor in calculating your insurance rates. So if your credit rating can use some improvement, you may save money insuring your Subaru Legacy by improving your credit score. Drivers with high credit scores tend to be more responsible than drivers with poor credit.

Do you really need the add-on coverages? - There are many add-on coverages that sound like a good idea at the time if you aren't diligent. Coverages for personal injury protection, death and dismemberment, and additional equipment coverage may not be needed and are just wasting money. They may seem like a good idea when talking to your agent, but if they're wasting money remove them from your policy.

Insurance policy lapses increase prices - Driving without insurance coverage in place is illegal and you will pay a penalty because you let your insurance expire. Not only will rates go up, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.

Age of drivers impacts costs - Young drivers in Texas are statistically proven to get distracted easily in a vehicle so they pay higher insurance rates. If you've ever had to add a teenage driver onto a policy can break the bank. Older people tend to be more responsible, file fewer claims, and tend to be get fewer driving tickets.

The next chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

Premiums and occupation - Do you work in a high-stress field? Jobs such as judges, business owners, and stock brokers tend to have the highest rates due to intense work requirements and long work days. Conversely, occupations such as farmers, students and the unemployed get better rates.

Insurance losses for a Subaru Legacy - Companies include the past claim trends for vehicles to help determine prices. Models that are shown to have higher number or severity of losses will have increased rates.

The table below shows the insurance loss data for Subaru Legacy vehicles. For each policy coverage type, the claim amount for all vehicles combined as an average equals 100. Percentage values below 100 suggest losses that are better than average, while numbers above 100 point to more claims or a tendency for claims to be larger.

Subaru Legacy Insurance Claim 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

To find the best auto insurance prices, there are several ways of comparing rates from many available auto insurance companies in Texas. One of the best ways to find competitive Subaru Legacy insurance rates is to jump online and get quotes.

Online shopping is fast and free, and it makes it obsolete to waste gas driving to insurance agencies in your area. Shopping for auto insurance online has made agencies unnecessary unless you require the trained guidance that only a licensed agent can provide. Some companies do allow you to comparison shop your insurance online but purchase the actual policy in an agency. It's important to know that comparing all the rates in your area increases the chance that you will find the best rates. Some companies don't provide online rate quotes, so it's necessary to compare quotes from the smaller companies as well.

The companies shown below offer price quotes in San Antonio, TX. If multiple companies are listed, we suggest you visit several of them to get the best price comparison.

Premium rates and analysis

The premium table shown below highlights a range of coverage prices for Subaru Legacy models. Learning a little about how auto insurance premiums are formulated can aid in making decisions on the best policy to buy.

Subaru Legacy Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $300 $328 $324 $20 $96 $1,068 $89
Legacy 2.5I Premium $300 $400 $324 $20 $96 $1,140 $95
Legacy 2.5I Premium $300 $400 $324 $20 $96 $1,140 $95
Legacy 3.6R Premium $332 $400 $324 $20 $96 $1,172 $98
Legacy 3.6R $332 $400 $324 $20 $96 $1,172 $98
Legacy 2.5I Limited $332 $400 $324 $20 $96 $1,172 $98
Legacy 2.5GT Premium $332 $472 $324 $20 $96 $1,244 $104
Legacy 3.6R Limited $332 $472 $324 $20 $96 $1,244 $104
Legacy 2.5 GT Limited $332 $472 $324 $20 $96 $1,244 $104
Legacy 2.5 GT Limited $332 $472 $324 $20 $96 $1,244 $104
Legacy 2.5 GT Limited $332 $472 $324 $20 $96 $1,244 $104
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in specific location which can affect auto insurance rates considerably.

The illustration below demonstrates how deductible levels and can influence Subaru Legacy insurance premiums for each age group. The premiums assume a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Three main reasons to buy insurance

Despite the potentially high cost of Subaru Legacy insurance, maintaining insurance is mandatory in Texas but it also protects more than you think.

First, the majority of states have mandatory liability insurance requirements which means the state requires a minimum amount of liability coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Legacy has a lienholder, more than likely the lender will require that you have insurance to guarantee their interest in the vehicle. If you default on your policy, the lender may insure your Subaru at a much higher premium rate and force you to reimburse them much more than you were paying before.

Third, insurance preserves both your assets and your Subaru Legacy. It also can pay for medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of buying insurance definitely exceed the cost, particularly for liability claims. According to a 2015 survey, the average American driver is wasting up to $800 each year so you should quote and compare rates each time the policy renews to save money.

Cheaper San Antonio car insurance rates with discounts

Companies don't always publicize every available discount in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find discounts that you may qualify for. If you do not double check each discount you deserve, you're paying more than you need to.Discount car insurance

  • Theft Deterrent System - Cars optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more on Legacy insurance in San Antonio.
  • Save with a New Car - Buying insurance on a new vehicle can cost up to 25% less due to better safety requirements for newer vehicles.
  • Senior Citizen Rates - Seniors could receive lower premium rates.
  • Government Employees - Employees or retirees of the government can earn a discount up to 10% with some car insurance companies.
  • Organization Discounts - Being a member of a civic or occupational organization in San Antonio may earn a discount on your bill.
  • Accident Waiver - Not really a discount, but a handful of insurance companies will allow you to have one accident without raising rates with the catch being you have to be claim-free for a particular time prior to the accident.
  • Driver's Education for Students - Require your teen driver to successfully complete driver's ed class in school or through a local driver safety program.

One last thing about discounts, some credits don't apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, you're out of luck.

The diagram below shows the difference between Subaru Legacy car insurance costs with and without discounts. The rate quotes are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, multi-policy, homeowner, and safe-driver discounts applied.

To locate car insurance companies that provide some of the discounts listed above in San Antonio, click this link.

Exclusive versus independent auto insurance agents

Many drivers just prefer to talk to a local agent and doing so can bring peace of mind The biggest benefit of comparing insurance prices online is you can get lower car insurance rates and also buy local.

Insurance agency in San AntonioBy using this simple form, your insurance coverage information is instantly submitted to participating agents in San Antonio who will gladly provide quotes for your business. You won't even need to leave your computer since rate quotes are delivered directly to your email. You can get cheaper auto insurance rates and an insurance agent to talk to. In the event you want to get a price quote from a specific auto insurance provider, don't hesitate to navigate to their website and complete a quote there.

Picking an insurer is decision based upon more than just the quoted price. The answers to these questions are important, too.

  • Does the agency provide any after hours assistance?
  • Do they have cheaper tiers of coverage?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Can you contact them at any time?
  • Do they have a Better Business Bureau rating in San Antonio?
  • Is auto insurance their primary focus in San Antonio?
  • If your car is totaled, how to they determine the replacement cost?

San Antonio auto insurance agents are either independent or exclusive

If you need to find a good San Antonio insurance agent, you need to know there are two types of insurance agents and how they differ in how they can insure your vehicles. San Antonio agents are either exclusive or independent.

Exclusive Auto Insurance Agents

Exclusive insurance agents can only quote rates from one company such as Allstate, Farmers Insurance or State Farm. They are unable to compare rates from other companies so you might not find the best rates. They are well trained on their products and sales techniques which helps them compete with independent agents.

Shown below is a short list of exclusive agents in San Antonio that can give you comparison quotes.

10130 San Pedro Ave #103 - San Antonio, TX 78216 - (210) 349-1317 - View Map

16613 Huebner Rd - San Antonio, TX 78248 - (210) 493-3577 - View Map

Diana Ybarra - State Farm Insurance Agent
420 Jackson Keller Rd - San Antonio, TX 78216 - (210) 366-0086 - View Map

View more San Antonio agents

Independent Agents (or Brokers)

Agents in the independent channel do not sell for just one brand and that allows them to write policies with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can just switch to a different company and you won't have to switch agencies. When searching for an agent, we recommend you get several quotes from several independent agencies for maximum quote selection.

Listed below are independent insurance agents in San Antonio that can give you price quote information.

15335 San Pedro Ave - San Antonio, TX 78232 - (210) 979-9000 - View Map

8607 Wurzbach Rd #101 - San Antonio, TX 78240 - (210) 696-1133 - View Map

5300 Walzem Rd - San Antonio, TX 78218 - (210) 646-9870 - View Map

View more San Antonio agents

You can lower your car insurance rates

When shopping online for car insurance, it's not a good idea to skimp on coverage in order to save money. In too many instances, someone dropped uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your objective should be to buy a smart amount of coverage for the lowest price.

Some insurance companies don't offer internet price quotes and usually these small insurance companies only sell coverage through independent insurance agents. Budget-conscious Subaru Legacy insurance can be bought from both online companies in addition to many San Antonio insurance agents, and you should be comparing both to have the best selection.

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