Find Affordable Subaru Legacy Insurance in Buffalo

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Subaru Legacy insurance rates
Subaru Legacy insurance rates image courtesy of QuoteInspector.com

Insurance quote for Subaru Legacy in BuffaloHas it been over a year since you last compared quotes for the cheapest insurance rates in Buffalo, NY? Buffalo shoppers have lots of choices when shopping for affordable Subaru Legacy insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to make rate comparisons.

There are more efficient ways to compare insurance rates and we'll show you the quickest way to get price quotes for a new or used Subaru and locate the cheapest rates from both online companies and Buffalo agents.

It is always a good idea to shop coverage around at least once a year because prices go up and down regularly. Even if you got the lowest rates on Subaru Legacy insurance in Buffalo two years ago there may be better deals available now. You can find a lot of misleading information regarding Legacy insurance online but you can learn some excellent ideas to stop overpaying for insurance in Buffalo.

If you have a policy now or just want cheaper coverage, you can follow these tips to shop for the lowest rates without having to cut coverage. The purpose of this article is to help educate you on the best ways to compare prices and how to save the most money. Consumers just need to use the most effective way to compare rates online.

Finding a better price on insurance is pretty simple and can save money. Just spend a little time comparing rates online from several insurance companies.

The companies in the list below provide price comparisons in New York. To locate the best cheap auto insurance in New York, we recommend you click on several of them to get the most affordable price.

Subaru Legacy insurance charts and tables

The coverage information shown next covers detailed analysis of prices for Subaru Legacy models. Learning more about how auto insurance prices are determined is important for making smart choices when purchasing an insurance policy.

Subaru Legacy Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $246 $320 $292 $18 $88 $964 $80
Legacy 2.5I Premium $246 $390 $292 $18 $88 $1,034 $86
Legacy 2.5I Premium $246 $390 $292 $18 $88 $1,034 $86
Legacy 3.6R Premium $272 $390 $292 $18 $88 $1,060 $88
Legacy 3.6R $272 $390 $292 $18 $88 $1,060 $88
Legacy 2.5I Limited $272 $390 $292 $18 $88 $1,060 $88
Legacy 2.5GT Premium $272 $458 $292 $18 $88 $1,128 $94
Legacy 3.6R Limited $272 $458 $292 $18 $88 $1,128 $94
Legacy 2.5 GT Limited $272 $458 $292 $18 $88 $1,128 $94
Legacy 2.5 GT Limited $272 $458 $292 $18 $88 $1,128 $94
Legacy 2.5 GT Limited $272 $458 $292 $18 $88 $1,128 $94
Get Your Own Custom Quote Go

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in zip code location which can lower or raise prices substantially.

The illustration below demonstrates how deductible levels and can change Subaru Legacy insurance costs for different age groups. The price estimates are based on a single female driver, full coverage, and no discounts are applied to the premium.

Illustration showing the impact of accidents and violations

The information below demonstrates how traffic citations and accidents can raise Subaru Legacy insurance premiums for different age groups. The premiums are based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.

Male drivers versus female drivers

The information below shows the comparison of Subaru Legacy car insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Cost comparison with and without full coverage

The information below shows the comparison of Subaru Legacy yearly insurance costs with and without physical damage coverage. The data is based on no accidents or driving violations, $250 deductibles, drivers are single, and no discounts are factored in.

Should you pay for full coverage?

There is no clear-cut rule for phasing out full coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let's say your Subaru Legacy replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying your policy deductible. If premiums are more than $800 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Why auto insurance is not optional

Despite the potentially high cost of Subaru Legacy insurance, buying auto insurance may be required for several reasons.

  • Just about all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability insurance in order to get the vehicle licensed. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a loan on your vehicle, most banks will stipulate that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank may insure your Subaru at a much higher premium rate and force you to reimburse them for the expensive policy.
  • Insurance safeguards your vehicle and your assets. Insurance will pay for many types of medical costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If your Subaru gets damaged, your auto insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Legacy definitely exceed the cost, particularly for liability claims. The average driver in New York is currently overpaying as much as $750 every year so it's very important to do a rate comparison at least once a year to make sure the price is not too high.

Car insurance coverages 101

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, hitting a bird and falling objects. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills such as EMT expenses, rehabilitation expenses, funeral costs, doctor visits and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle's damage.

Since many New York drivers only carry the minimum required liability limits (which is 25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy's liability coverage.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/10 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as court costs, attorney fees, repair bills for other people's vehicles, medical expenses and legal defense fees. How much coverage you buy is up to you, but consider buying higher limits if possible. New York state law requires minimum liability limits of 25/50/10 but drivers should carry higher limits.

The illustration below shows why low liability limits may not be enough coverage.

Collision insurance

Collision insurance pays for damage to your Legacy resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, rolling your car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Legacy to save money on collision insurance.