Car owners fed up with high insurance prices and are new to price shopping insurance coverage online could find buying inexpensive Subaru Legacy insurance in Seattle can be quite challenging.
Shockingly, almost 70% of drivers in Washington have purchased from the same company for at least four years, and roughly 40% of drivers have never compared rate quotes at all. American consumers could save about $860 every year, but most tend to underestimate the benefits if they just switched companies.
Consumers need to compare rates at least once a year since rates are variable and change quite frequently. If you had the best rate on Subaru Legacy insurance in Seattle a year ago other companies may now be cheaper. Forget all the misinformation about insurance because we’re going to show you how to quote online to save money, get proper coverage and the best rates.
Comparison shopping for affordable insurance in Seattle is easy if you know what you’re doing. Just about every car owner who has to buy insurance will probably be able to find better rates. But Washington vehicle owners do need to understand how companies compete online because rates fluctuate considerably.
You may qualify for discounts for Subaru Legacy insurance in Seattle
Some insurers do not list the entire discount list in a way that’s easy to find, so we took the time to find a few of the more well known and the harder-to-find discounts that you can inquire about if you buy Seattle car insurance online.
- Early Renewal Discounts – Select insurance companies give a discount for switching companies before your current Legacy insurance policy expires. It can save you around 10%.
- Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you can actually save on your bill.
- Active Military Service – Being deployed in the military may qualify for rate reductions.
- Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts in comparison to frequent claim filers.
- Seattle Homeowners Discount – Owning your own home or condo can help you save on car insurance since owning and maintaining a home demonstrates responsibility.
- Buy New and Save – Buying insurance coverage on a new vehicle can save you some money since newer models are generally safer.
- Save with More Vehicles Insured – Insuring several vehicles with the same car insurance company can reduce the rates for all insured vehicles.
- Multi-policy Discount – If you can combine your auto and home policy and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
- Club Memberships – Being in a civic or occupational organization in Seattle could qualify you for a break on car insurance.
Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Even though it appears you can get free auto insurance, you aren’t that lucky.
Larger car insurance companies and some of their more popular discounts can be found below.
- GEICO may have discounts that include seat belt use, daytime running lights, multi-vehicle, federal employee, and air bags.
- SAFECO offers discounts for teen safe driver, homeowner, drive less, anti-theft, anti-lock brakes, and bundle discounts.
- State Farm includes discounts for student away at school, accident-free, multiple autos, Steer Clear safe driver discount, and safe vehicle.
- MetLife offers premium reductions for good student, claim-free, accident-free, multi-policy, and good driver.
- 21st Century discounts include 55 and older, student driver, automatic seat belts, theft prevention, driver training, air bags, and homeowners.
- Progressive policyholders can earn discounts including online quote discount, multi-policy, good student, homeowner, and online signing.
If you want low cost Seattle car insurance quotes, ask all the companies what discounts are available to you. Some discounts listed above may not apply in Seattle. To find insurers offering car insurance discounts in Seattle, click this link.
The quickest method to get rate comparisons for Subaru Legacy insurance in Seattle is to realize most of the larger companies pay for the opportunity to compare their rates. To get started, all you need to do is give them some information including what your job is, whether you have decent credit, if the vehicle is leased, and if you have an active license. That rating information is sent automatically to multiple different insurance companies and you should receive rate quotes immediately.
To check Subaru Legacy insurance prices now, click here and enter your coverage details.
The providers in the list below have been selected to offer comparison quotes in Seattle, WA. If multiple providers are shown, we recommend you visit as many as you can to get the lowest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Legacy 2.5I | $260 | $290 | $258 | $16 | $78 | $902 | $75 |
| Legacy 2.5I Premium | $258 | $380 | $338 | $20 | $102 | $1,098 | $92 |
| Legacy 2.5I Premium | $306 | $518 | $326 | $20 | $98 | $1,268 | $106 |
| Legacy 3.6R Premium | $272 | $376 | $264 | $16 | $78 | $1,006 | $84 |
| Legacy 3.6R | $178 | $222 | $258 | $16 | $78 | $752 | $63 |
| Legacy 2.5I Limited | $284 | $380 | $338 | $20 | $102 | $1,124 | $94 |
| Legacy 2.5GT Premium | $284 | $448 | $338 | $20 | $102 | $1,192 | $99 |
| Legacy 3.6R Limited | $222 | $284 | $328 | $20 | $98 | $952 | $79 |
| Legacy 2.5 GT Limited | $302 | $530 | $264 | $16 | $78 | $1,190 | $99 |
| Legacy 2.5 GT Limited | $288 | $416 | $258 | $16 | $78 | $1,056 | $88 |
| Legacy 2.5 GT Limited | $400 | $540 | $328 | $20 | $98 | $1,386 | $116 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in vehicle location which can lower or raise premium rates significantly.
Safe drivers pay less for car insurance
The diagram below demonstrates how traffic citations and fender-benders impact Subaru Legacy auto insurance costs for different categories of driver ages. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
Physical damage deductible comparison
The example below shows how different deductible levels and can increase or decrease Subaru Legacy insurance prices for different insured age categories. The price estimates are based on a single male driver, comp and collision included, and no other discounts are factored in.
Deductible analysis
A question often asked by Seattle drivers is which deductibles should you choose. The following insurance rates help summarize the rate difference between high and low physical damage coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Legacy 2.5I | $318 | $376 | $250 | $14 | $76 | $1,059 | $88 |
| Legacy 2.5I Premium | $318 | $458 | $250 | $14 | $76 | $1,141 | $95 |
| Legacy 2.5I Premium | $318 | $458 | $250 | $14 | $76 | $1,141 | $95 |
| Legacy 3.6R Premium | $352 | $458 | $250 | $14 | $76 | $1,175 | $98 |
| Legacy 3.6R | $352 | $458 | $250 | $14 | $76 | $1,175 | $98 |
| Legacy 2.5I Limited | $352 | $458 | $250 | $14 | $76 | $1,175 | $98 |
| Legacy 2.5GT Premium | $352 | $540 | $250 | $14 | $76 | $1,257 | $105 |
| Legacy 3.6R Limited | $352 | $540 | $250 | $14 | $76 | $1,257 | $105 |
| Legacy 2.5 GT Limited | $352 | $540 | $250 | $14 | $76 | $1,257 | $105 |
| Legacy 2.5 GT Limited | $352 | $540 | $250 | $14 | $76 | $1,257 | $105 |
| Legacy 2.5 GT Limited | $352 | $540 | $250 | $14 | $76 | $1,257 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Legacy 2.5I | $232 | $254 | $250 | $14 | $76 | $826 | $69 |
| Legacy 2.5I Premium | $232 | $310 | $250 | $14 | $76 | $882 | $74 |
| Legacy 2.5I Premium | $232 | $310 | $250 | $14 | $76 | $882 | $74 |
| Legacy 3.6R Premium | $256 | $310 | $250 | $14 | $76 | $906 | $76 |
| Legacy 3.6R | $256 | $310 | $250 | $14 | $76 | $906 | $76 |
| Legacy 2.5I Limited | $256 | $310 | $250 | $14 | $76 | $906 | $76 |
| Legacy 2.5GT Premium | $256 | $364 | $250 | $14 | $76 | $960 | $80 |
| Legacy 3.6R Limited | $256 | $364 | $250 | $14 | $76 | $960 | $80 |
| Legacy 2.5 GT Limited | $256 | $364 | $250 | $14 | $76 | $960 | $80 |
| Legacy 2.5 GT Limited | $256 | $364 | $250 | $14 | $76 | $960 | $80 |
| Legacy 2.5 GT Limited | $256 | $364 | $250 | $14 | $76 | $960 | $80 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in garaging location in Seattle which can impact auto insurance rates significantly.
Based on the figures above, using a $100 deductible will cost in the ballpark of $23 more each month or $276 annually than quoting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at least 17 months between claim filings, you would most likely save money by selecting a higher deductible. Here’s an example of how this decision is made.
| Average monthly premium for $100 deductibles: | $100 |
| Average monthly premium for $500 deductibles (subtract): | – $77 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One big caveat is that raising deductibles to save money means you pay more out-of-pocket when you have to file a claim. That will require some funds available in order to pay the deductible.
Local Seattle auto insurance agents
A small number of people just want to get advice from a local agent and there is nothing wrong with that. A nice benefit of comparing rates online is you can get better rates and still have a local agent. Buying from and supporting small agencies is important particularly in Seattle.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is sent to local insurance agents that can give you free Seattle car insurance quotes to get your business. There is no need to contact any insurance agencies since rate quotes are delivered immediately to your email address. You can find the lowest rates without a big time investment. If for some reason you want to quote rates from a specific insurance company, you just need to visit that company’s website and fill out their quote form.
Choosing an company needs to be determined by more than just a cheap price. Here are some questions you might want to ask.
- How will an accident affect your rates?
- Will a damage claim use OEM or aftermarket replacement parts?
- If your car is in the repair shop, do you have coverage for a rental car?
- Which insurance companies are they affiliated with?
- Do they have any clout with companies to ensure a fair claim settlement?
- Where would your vehicle be repaired?
- Will the agent or a CSR service your policy?
After talking to the agent and getting acceptable answers to any questions you may have and locked in a price quote, most likely you have located an insurance company that can service your policy. Just remember you can always terminate your policy at any point so never feel you are locked into a specific agent for any length of time.
Persistence pays off
While you’re price shopping online, never buy less coverage just to save a little money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.
More affordable insurance in Seattle can be purchased both online as well as from independent agents in Seattle, so you need to quote Seattle car insurance with both to have the best rate selection. Some insurance companies may not offer online price quotes and these regional carriers work with independent agencies.
You just read some good ideas how you can shop for Subaru Legacy insurance online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from the least-expected company.
More detailed insurance information is available in the articles below:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for a Ford Escape in Seattle? (FAQ)
- What Insurance is Cheapest for Young Drivers in Seattle? (FAQ)
- What Auto Insurance is Cheapest for a Toyota RAV4 in Seattle? (FAQ)
- Who Has the Cheapest Seattle Car Insurance for a School Permit? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Collision Insurance Coverage (Nationwide)
- Auto Theft Statistics (Insurance Information Institute)