Car Insurance Quotes for a Subaru Legacy in Fort Worth

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Insurance rates Subaru Legacy in Fort WorthIf your goal is the lowest price, then the best way to get low-cost Subaru Legacy insurance in Fort Worth is to regularly compare quotes from different companies that insure vehicles in Texas. You can compare prices by completing these steps.

Step 1: Spend a few minutes and learn about what coverages are included in your policy and the modifications you can make to keep rates down. Many rating factors that result in higher prices like inattentive driving and a poor credit rating can be amended by paying attention to minor details. Read the full article for tips to get lower rates and earn a bigger discount.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from multiple insurance companies.

Step 3: Compare the new rate quotes to the premium of your current policy and determine if cheaper Legacy coverage is available in Fort Worth. If you find better rates and buy the policy, ensure coverage does not lapse between policies.

Step 4: Tell your current agent or company of your intent to cancel your current policy. Submit the completed application along with a down payment for your new coverage. Make sure you store the certificate of insurance with the vehicle registration.

The most important part of this process is to try to compare identical coverage information on every quote and and to look at as many different insurance providers as possible. This guarantees an accurate price comparison and the best rate selection.

Amazingly, 70% of consumers have remained with the same insurance company for four years or more, and 38% of drivers have never shopped around. Many consumers in Texas could save nearly $1,800 each year just by getting comparison quotes, but they don't understand how simple it is to save money by comparing rate quotes.

If you have a policy now or are looking for a new policy, use these cost-cutting techniques to get lower rates while maintaining coverages. Comparison shopping for the lowest cost insurance in Fort Worth is not that difficult. Vehicle owners only need to know the least time-consuming way to shop for insurance from multiple carriers.

The providers in the list below provide price comparisons in Fort Worth, TX. If multiple providers are shown, we recommend you visit two to three different companies to find the cheapest auto insurance rates.

Do you qualify for discounts on Subaru Legacy insurance in Fort Worth?

Insuring your fleet can be pricey, but you may find discounts that could help you make your next renewal payment. Certain credits will be shown when you purchase, but some may not be applied and must be inquired about before you get the savings.Save money with discounts

  • Telematics Data - Insureds that choose to allow companies to spy on driving habits by using a small device installed in their vehicle like Allstate's Drivewise may get a rate reduction as long as the data is positive.
  • Accident Free - Insureds who avoid accidents and claims pay less in comparison with policyholders that have many claims.
  • Accident Forgiveness Coverage - Not necessarily a discount, but companies like GEICO and Liberty Mutual will forgive one accident before they charge you more for coverage so long as you haven't had any claims for a specific time period.
  • Distant College Student Discount - Older children who attend college more than 100 miles from Fort Worth and don't have a car may be able to be covered for less.
  • Discounts for New Vehicles - Adding a new car to your policy can be considerably cheaper since new model year vehicles have better safety ratings.
  • E-sign Discounts - Certain insurance companies give back up to $50 get Fort Worth auto insurance digitally online.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, you won't be that lucky.

The information below shows the difference between Subaru Legacy insurance premiums with and without discounts being applied to the rates. The premium estimates are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, marriage, multi-car, and safe-driver discounts applied.

Some of the larger companies that may include most of the discounts above are:

If you are trying to find the cheapest Subaru Legacy rate quotes, ask each company or agent which credits you are entitled to. Depending on the company, some discounts may not apply in Fort Worth. To find insurers who offer free Subaru Legacy insurance quotes in Texas, follow this link.

Premium rates and analysis

The table displayed below covers detailed analysis of insurance rates for Subaru Legacy models. Having a better understanding of how insurance premiums are calculated is important to be able to make decisions on the best policy to buy.

Subaru Legacy Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $344 $328 $424 $26 $128 $1,250 $104
Legacy 2.5I Premium $344 $400 $424 $26 $128 $1,322 $110
Legacy 2.5I Premium $344 $400 $424 $26 $128 $1,322 $110
Legacy 3.6R Premium $378 $400 $424 $26 $128 $1,356 $113
Legacy 3.6R $378 $400 $424 $26 $128 $1,356 $113
Legacy 2.5I Limited $378 $400 $424 $26 $128 $1,356 $113
Legacy 2.5GT Premium $378 $472 $424 $26 $128 $1,428 $119
Legacy 3.6R Limited $378 $472 $424 $26 $128 $1,428 $119
Legacy 2.5 GT Limited $378 $472 $424 $26 $128 $1,428 $119
Legacy 2.5 GT Limited $378 $472 $424 $26 $128 $1,428 $119
Legacy 2.5 GT Limited $378 $472 $424 $26 $128 $1,428 $119
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific location information which can modify coverage prices considerably.

Comparison of policy deductibles

When comparing insurance rates, the most common question is which deductible level should you buy. The data tables below approximate the differences in premium rates of buying low and high policy deductibles. The first set of prices uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Subaru Legacy insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $412 $486 $324 $20 $96 $1,363 $114
Legacy 2.5I Premium $412 $592 $324 $20 $96 $1,469 $122
Legacy 2.5I Premium $412 $592 $324 $20 $96 $1,469 $122
Legacy 3.6R Premium $454 $592 $324 $20 $96 $1,511 $126
Legacy 3.6R $454 $592 $324 $20 $96 $1,511 $126
Legacy 2.5I Limited $454 $592 $324 $20 $96 $1,511 $126
Legacy 2.5GT Premium $454 $698 $324 $20 $96 $1,617 $135
Legacy 3.6R Limited $454 $698 $324 $20 $96 $1,617 $135
Legacy 2.5 GT Limited $454 $698 $324 $20 $96 $1,617 $135
Legacy 2.5 GT Limited $454 $698 $324 $20 $96 $1,617 $135
Legacy 2.5 GT Limited $454 $698 $324 $20 $96 $1,617 $135
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Subaru Legacy insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $228 $256 $324 $20 $96 $924 $77
Legacy 2.5I Premium $228 $312 $324 $20 $96 $980 $82
Legacy 2.5I Premium $228 $312 $324 $20 $96 $980 $82
Legacy 3.6R Premium $252 $312 $324 $20 $96 $1,004 $84
Legacy 3.6R $252 $312 $324 $20 $96 $1,004 $84
Legacy 2.5I Limited $252 $312 $324 $20 $96 $1,004 $84
Legacy 2.5GT Premium $252 $368 $324 $20 $96 $1,060 $88
Legacy 3.6R Limited $252 $368 $324 $20 $96 $1,060 $88
Legacy 2.5 GT Limited $252 $368 $324 $20 $96 $1,060 $88
Legacy 2.5 GT Limited $252 $368 $324 $20 $96 $1,060 $88
Legacy 2.5 GT Limited $252 $368 $324 $20 $96 $1,060 $88
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in your specific Fort Worth location which can revise coverage prices greatly.

We can derive from the above data that using a $100 deductible costs roughly $43 more each month or $516 a year than requesting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 21 months between claims, you would more than likely save some money by selecting a higher deductible.

Full coverage versus liability-only

The chart below compares Subaru Legacy insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. Data assumes no claims or driving citations, $250 deductibles, marital status is single, and no discounts are applied.

Deciding between full coverage and liability only

There is no exact rule for dropping comp and collision coverage, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's say your Subaru Legacy replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after the deductible is paid. If you are paying more than $500 annually for full coverage, then you might want to consider buying only liability coverage.

There are some situations where removing full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Compare prices but buy from a local Fort Worth insurance agency

Some people prefer to have an agent's advice and that is a smart decision Good insurance agents can help determine the best coverages and will help you if you have claims. A good thing about comparing insurance prices online is you can get lower rates and still buy from a local agent. And providing support for local insurance agents is important particularly in Fort Worth.

Insurance agency in Fort WorthBy using this form (opens in new window), the coverage information is instantly submitted to local insurance agents in Fort Worth who will return price quotes for your insurance coverage. There is no reason to drive around since price quotes are sent to you. If you have a need to get a comparison quote from a specific company, you just need to search and find their rate quote page and fill out the quote form the provide.

Listed below are agents in Fort Worth willing to provide comparison quotes for Subaru Legacy insurance in Fort Worth.

View more Fort Worth agents

Choosing an company should include more criteria than just the premium amount. Some important questions to ask are:

  • If you are a high risk driver, do they have special markets for your coverage?
  • How would your car be valued if totaled?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How will an accident affect your rates?
  • Can you contact them at any time?

After receiving acceptable answers for all questions you ask and a good coverage price, it's possible that you found an provider that meets your needs to adequately provide insurance. But keep in mind consumers can cancel your policy whenever you choose to so never assume that you are obligated to any specific agency with no way to switch.

Car insurance is unique, just like you

When it comes to buying a policy, there really is not a one-size-fits-all type of policy. Your needs are unique to you.Safe vehicles cost less to insure

Here are some questions about coverages that may help you determine whether your personal situation might need an agent's assistance.

  • What is the difference between personal and commercial auto insurance policies?
  • How much cheaper are high deductibles?
  • Is there a penalty for late payment?
  • Do I have coverage when making deliveries for my home business?
  • Do I really need UM/UIM coverage?
  • Which companies will insure me after a DUI?
  • Is my teen driver covered when they drive my company car?
  • What policy terms are available?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It's fast, free and may give you better protection.

Find More Affordable Auto Insurance with These Tips

Multiple criteria are used when premium rates are determined. Some are pretty understandable like your driving record, although some other factors are less apparent like your continuous coverage or your commute time. It's important that you understand the rating factors that go into determining auto insurance rates. If you understand what influences your rates, this enables informed choices that may reward you with big savings.

The factors shown below are a few of the "ingredients" used by companies to determine premiums.

Big cities mean more claims - Living in a rural area can be a good thing when trying to find low car insurance rates. Less people living in that area translates into fewer accident claims in addition to fewer liability claims. City drivers have congested traffic and longer commutes to work. More time behind the wheel means more chances of being involved in an auto accident.

High performance equals high costs - The performance level of the vehicle you are buying insurance for makes a substantial difference in the rate you pay. The best insurance prices will normally be found when insuring economy passenger cars, but the final cost of insurance is determined by many other factors.

The following chart uses these assumptions: single male driver age 20, full coverage with $100 deductibles, and no discounts or violations. The chart compares Subaru Legacy policy rates compared to other models of vehicles that have a range of risk factors.

Do you have a tough employer? - Occupational choices like real estate brokers, architects, and medical professionals have higher rates than the rest of us due to high stress and long work days. On the flip side, jobs like scientists, students and homemakers receive lower rates.

Alarms and GPS tracking lower prices - Choosing to buy a car that has an advanced theft prevention system can save you some money. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent vehicle theft.

Females pay lower costs - Statistics demonstrate women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. Men and women are responsible for accidents in similar numbers, but males get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations such as reckless driving.

The diagram below shows the difference between Subaru Legacy insurance premiums for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, single status, and no other discounts are factored in.

Save miles driven and save money - The more you drive your Subaru in a year's time the more it will cost to insure it. Most companies calculate prices based upon how much you drive. Vehicles that have low annual miles receive better premium rates than those that get driven frequently. Ask your agent if your policy is rated on annual mileage, because improper ratings can cost you money. Having an incorrect usage rating on your Legacy can cost quite a bit.

Subaru Legacy statistical loss data - Car insurance companies use statistical claims data to help determine the price you pay. Models that have higher loss trends will cost more to insure. The next table shows the loss history for Subaru Legacy vehicles.

For each coverage category, the claim amount for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers that are below 100 suggest a positive loss record, while numbers shown that are more than 100 indicate a higher chance of having a claim or tendency to have higher losses.

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

Three reasons car insurance is important

Even though it's not necessarily cheap to insure a Subaru in Fort Worth, car insurance may be required and benefits you in several ways.

First, the majority of states have minimum liability requirements which means the state requires a specific minimum amount of liability protection if you want to drive legally. 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 you have a loan on your Subaru Legacy, more than likely the lender will have a requirement that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the bank or lender will purchase a policy for your Subaru at a much higher rate and require you to pay much more than you were paying before.

Third, insurance protects not only your Subaru but also your financial assets. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to have it repaired.

The benefits of having car insurance are definitely more than the cost, especially with large liability claims. But the average American driver is wasting up to $810 a year so it's recommended you shop around at every renewal to save money.

Don't give up on cheap rates

Cost effective Subaru Legacy insurance is possible on the web in addition to many Fort Worth insurance agents, so get free Fort Worth auto insurance quotes from both of them to have the best rate selection. Some companies do not offer online rate quotes and most of the time these regional insurance providers work with independent agencies.

Consumers switch companies for any number of reasons including unfair underwriting practices, high rates after DUI convictions, delays in paying claims and even denial of a claim. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

You just learned a lot of tips how to get a better price on Subaru Legacy insurance in Fort Worth. It's most important to understand that the more times you quote, the better your chances of lowering your rates. You may even find the most savings is with an unexpected company.

Additional information can be found below: