Subaru Legacy Insurance Rate Quotes in Durham

It’s safe to conclude that car insurance companies want to keep you from shopping around. Drivers who get price comparisons are very likely to switch insurance companies because the odds are good of getting low-cost coverage. A study discovered that people who shopped around saved on average $850 each year compared to those who never compared prices.

If finding the most affordable insurance is your goal, then learning about how to get price quotes and compare insurance can make it easier to shop your coverage around.

Insurance for Subaru LegacyIf you want to save money, the best way to get low-cost Subaru Legacy insurance is to compare prices at least once a year from providers who provide auto insurance in Durham.

One thing to point out is to try to use identical deductibles and limits on every quote request and and to get quotes from every insurance company. This ensures a fair price comparison and a complete rate analysis.

If you are insured now or just want a better rate, you can learn to cut your premiums while maximizing coverage. Locating the best insurance company for you in Durham can really be easy if you know what you’re doing. Smart shoppers just have to use the quickest method to compare different rates online from multiple companies.

How to get Durham Subaru Legacy insurance price quotes

The following companies can provide comparison quotes in Durham, NC. If your goal is to find cheap auto insurance in Durham, we recommend you get rates from several of them to get the cheapest price.

Don’t overlook these Subaru Legacy insurance discounts

Car insurance is easily one of your largest bills, but there could be available discounts that you may not even know about. Some discounts will apply when you complete an application, but some must be specifically requested prior to getting the savings.Discount car insurance

As a sidenote, most discount credits are not given to the whole policy. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, you won’t be that lucky. But any discount will help reduce the amount you pay for coverage.

The diagram below illustrates the difference between Subaru Legacy car insurance costs with and without discounts applied to the policy premium. The premiums assume a female driver, no violations or claims, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-policy, and multi-car discounts applied.

To see insurance companies who offer cheap Subaru Legacy insurance quotes in Durham in North Carolina, click this link.

Insurance rate breakdown

The coverage table shown next showcases estimates of insurance rates for Subaru Legacy models. Learning a little about how insurance policy rates are formulated can be of help when making decisions on which coverage to buy.

Subaru Legacy Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $232 $312 $222 $14 $66 $846 $71
Legacy 2.5I Premium $232 $380 $222 $14 $66 $914 $76
Legacy 2.5I Premium $232 $380 $222 $14 $66 $914 $76
Legacy 3.6R Premium $256 $380 $222 $14 $66 $938 $78
Legacy 3.6R $256 $380 $222 $14 $66 $938 $78
Legacy 2.5I Limited $256 $380 $222 $14 $66 $938 $78
Legacy 2.5GT Premium $256 $446 $222 $14 $66 $1,004 $84
Legacy 3.6R Limited $256 $446 $222 $14 $66 $1,004 $84
Legacy 2.5 GT Limited $256 $446 $222 $14 $66 $1,004 $84
Legacy 2.5 GT Limited $256 $446 $222 $14 $66 $1,004 $84
Legacy 2.5 GT Limited $256 $446 $222 $14 $66 $1,004 $84
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in your specific Durham location which can change coverage prices considerably.

The diagram below demonstrates how deductibles and can impact Subaru Legacy insurance prices for each age group. The rate quotes are based on a single female driver, full coverage, and no policy discounts are applied.

Comparison of full coverage and liability-only policies

The information below illustrates the difference between Subaru Legacy insurance costs when comparing full coverage to state minimum liability only. Data assumes a clean driving record, no claims, $1,000 deductibles, single status, and no policy discounts are applied.

When to stop buying full coverage

There is no written rule for excluding physical damage coverage, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Subaru Legacy replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $7,000 after paying your deductible. If you are paying in excess of $700 annually for full coverage, then you may need to consider dropping full coverage.

There are some situations where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

What is the best auto insurance company in North Carolina?

Finding the highest-rated car insurance company is difficult considering how many different companies there are to choose from in Durham. The rank data in the lists below could help you select which auto insurers to look at when comparing rate quotes.

Top Auto Insurance Companies in Durham
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Subaru Legacy Insurance Costs Can Be More Affordable

Multiple criteria are considered when you get your auto insurance bill. Some are obvious such as traffic violations, but other factors are more obscure like where you live or how safe your car is.

Listed below are some of the most common factors companies use to determine prices.