Subaru Legacy Insurance Quotes in Atlanta

Shopping for lower-cost Atlanta Subaru Legacy insurance quotes can seem to be overwhelming for vehicle owners new to comparing prices over the internet. With a ridiculous number of insurers to choose from, how can you have a chance to compare every company in order to find the best available price?

Sadly, 70% of consumers kept their coverage with the same insurance company for at least the last four years, and 38% of drivers have never taken the time to shop around. Consumers in the United States could cut their rates by up to 46.5% a year, but they don’t want to spend time to compare rate quotes online.

It is always a good idea to compare rates on a regular basis because insurance prices are adjusted regularly by insurance companies. Even if you got the best deal on Subaru Legacy insurance in Atlanta a couple years back you will most likely find a better premium rate today. Don’t believe everything you read about Legacy insurance online but in just a couple of minutes you can learn some great ways to find cheap insurance in Atlanta.

Auto insurance providers offering affordable price quotes in Georgia

The companies shown below provide free rate quotes in Georgia. If more than one company is shown, we suggest you compare several of them to get a more complete price comparison.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Information does not factor in zip code location which can decrease or increase price quotes significantly.

Higher deductibles lower rates

When comparing car insurance rates, the most common question is what deductibles to buy. The figures shown below determine the differences in price when you select higher and lower policy deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Information does not factor in Atlanta location which can impact coverage prices greatly.

Based on this data, using a $100 deductible would cost the average driver about $30 more each month or $360 each year than quoting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 13 months between claims, you would save more money going with the higher deductible. The illustration below shows an example of how you can do this calculation yourself.

An important sidenote is that raising deductibles means you will have to pay more of your own money when you have to file a claim. You should have enough extra savings in the event you have to pay more to get your vehicle repaired.

Does it make sense to buy full coverage?

The diagram below examines Subaru Legacy premium costs with liability coverage only compared to full coverage. The prices are based on no accidents, no driving violations, $250 deductibles, single female driver, and no discounts are applied to the premium.

When to drop comp and collision

There is no definitive rule to eliminate full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Subaru Legacy book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $4,000 after you pay the deductible. If you are paying more than $400 a year to have full coverage, then it may be the right time to buy liability only.

There are some scenarios where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Safe drivers pay less for car insurance

The example below demonstrates how traffic citations and at-fault fender-benders influence Subaru Legacy auto insurance costs for different age groups. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

Save money with these discounts on Subaru Legacy insurance in Atlanta

The price of auto insurance can be rather high, but there’s a good chance there are discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but some need to be inquired about before you will receive the discount.

• Multiple Cars – Purchasing coverage when you have more than one vehicle on the same car insurance policy can reduce rates for all insured vehicles.
• Distant College Student Discount – Kids who live away from home at college and do not have a car may be able to be covered for less.
• ABS Braking Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more on Legacy insurance in Atlanta.
• Discounts for Responsible Drivers – Insureds without accidents could pay up to 40% less as compared to drivers with claims.
• First Accident Forgiveness – This one isn’t a discount, but a few companies such as State Farm, Progressive and GEICO allow you one accident before they charge you more for coverage if you are claim-free for a certain period of time.
• Online Discount – A few companies provide a small discount for signing up on their website.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you better car insurance rates if you take out a life policy as well.
• Low Mileage – Keeping the miles down on your Subaru could be rewarded with substantially lower car insurance rates.

A quick disclaimer, most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, that’s just not realistic.

If you would like to view insurers that offer the discounts shown above in Atlanta, click here.

Six Tips to Get Lower-cost Atlanta Insurance Prices

Consumers need to have an understanding of the rating factors that help calculate the price you pay for auto insurance. If you know what influences your rates, this enables informed choices that can earn you better auto insurance rates. Many factors are used when quoting car insurance. Some are pretty understandable such as your driving history, but other criteria are less obvious like where you live or your financial responsibility.

Shown below are a partial list of the pieces used by companies to determine your prices.

Low stress job equals lower rates – Did you know your auto insurance rates can be affected by your occupation? Jobs such as military generals, business owners and accountants tend to have higher rates than the rest of us due to stressful work requirements and lots of time spent at work. On the flip side, careers such as farmers, students and retirees receive lower rates.

Insure car and home with the same company – Most major companies give better rates to people who have multiple policies with them in the form of a multi-policy discount. The discount can be five, ten or even twenty percent. Even if you qualify for this discount already, you still need to comparison shop to ensure the best deal. It’s possible to still save even more than the discount by buying from different companies

Teenage vs. mature drivers – Teenage drivers in Georgia have been known to be more careless in a vehicle and because of this, their auto insurance rates are much higher. More mature drivers are viewed as being more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets.

Driving citations are costly – Drivers with clean records pay lower auto insurance prices compared to drivers with tickets. Only having one citation could increase your next policy renewal by twenty percent. Drivers who get severe citations like reckless driving or DUI may find that they have to to file a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.

City traffic equals higher prices – Having an address in small towns and rural areas can save you money when buying auto insurance. Fewer drivers on the road means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers regularly have more traffic problems and much longer commute distances. The longer drive time means a statistically higher chance of an accident.

Performance impacts rates – The performance level of the car you are trying to find cheaper insurance for makes a significant difference in your auto insurance rates. Since the Subaru Legacy is classified as a sedan, insuring your vehicle will cost about the same than the average rate where you live in Atlanta. Smaller low performance passenger vehicles generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.

Insurance loss data for a Subaru Legacy – Insurance companies use statistical claims data when setting rates for each model. Vehicles that are shown to have a trend towards higher claims will cost more for specific coverages.

The next table shows the loss history for Subaru Legacy vehicles. For each policy coverage, the claim probability for all vehicles, without regard to make or model, equals 100. Values under 100 mean the vehicle has better than average losses, while values that are 100 or greater show a trend for more claims or statistically larger claims.

When in doubt talk to an agent

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique so this has to be addressed.
For instance, these questions may help you determine whether you might need professional guidance.

• Who is covered by my policy?
• Am I covered if I have no license?
• What is the premium to book value ratio for dropping full coverage?
• Is my teenager covered with friends in the car?
• Is my babysitter covered when using my vehicle?
• Does insurance cover tools stolen from my truck?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Local Atlanta insurance agents

A lot of people would prefer to buy from a local agent and that is just fine! The biggest benefit of comparing insurance online is that drivers can save money and get the best rates but also keep your business local.

By using this short form, the coverage information gets sent to insurance agents in Atlanta who can give free rate quotes for your business. It makes it easy because there is no need to search for an agent due to the fact that quote results will go immediately to your email address. You can most likely find cheaper rates AND a local agent. If you wish to get a rate quote for a specific company, don’t hesitate to jump over to their website and fill out the quote form the provide.

Finding the right insurance company needs to be determined by more than just the premium amount. You should also get answers to these questions.

• Can they give you a list of client referrals?
• Will they make sure you get an adequate claim settlement?
• How long has their agency been open in Atlanta?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Do they have 24-hour customer assistance?

The following is a short list of auto insurance companies in Atlanta who can help you get rate quotes for Subaru Legacy insurance in Atlanta.

• Clyde Hill Jr – State Farm Insurance Agent
  3041 N E Expy – Atlanta, GA 30341 – (770) 452-1485 – View Map
• Cascade Heights Insurance Agency
  833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map
• Cheryl S Parsel – State Farm Insurance Agent
  3145 Peachtree Rd #197 – Atlanta, GA 30305 – (404) 814-0071 – View Map
• Traci McCrory – State Farm Insurance Agent
  1526 E Forrest Ave #250 – Atlanta, GA 30344 – (678) 539-8623 – View Map

More insurance agents

Drivers who switch save $417 a year? Really?

Popular car insurance providers such as State Farm and Allstate consistently run ads on TV and radio. All the ads advertise claims about saving some big amount just by switching your policy. Is it even possible that every company can lower your premium rates? Here is the trick they use.

Companies have specific guidelines for the type of driver that is profitable for them. An example of a profitable risk profile should be over the age of 45, has never had a policy lapse, and drives less than 7,500 miles a year. A propective insured who fits that profile receives the best auto insurance rates in Atlanta and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who do not meet the “perfect” profile must pay higher premiums and the customer not buying. The ads say “people that switch” not “everyone who quotes” will save that much if they switch. That’s why companies can make the claims of big savings. This emphasizes why you need to do a rate comparison at every renewal. Because you never know which insurance companies will fit your personal profile best.

More effort can pay off

Some insurance companies may not provide rates over the internet and these regional carriers provide coverage only through independent insurance agencies. Budget-friendly car insurance in Atlanta is possible on the web and from local agencies, and you need to price shop both to get a complete price analysis.

In this article, we covered many ideas to find lower-cost Subaru Legacy insurance in Atlanta. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a small local company. These smaller insurers may often insure only within specific states and give better rates compared to the large companies like Allstate, GEICO and Progressive.

Additional detailed information can be read by following these links:

• Event Data Recorders FAQ (iihs.org)
• Who Has Affordable Atlanta Auto Insurance for a Toyota Corolla? (FAQ)
• Who Has the Cheapest Atlanta Car Insurance Rates for 16 Year Olds? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Good Drivers in Atlanta? (FAQ)
• How Much are Atlanta Auto Insurance Rates for a Nissan Sentra? (FAQ)
• Think You’re a Safe Driver? (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• How to shop for a safer car (Insurance Institute for Highway Safety)