Did you come to the realization that you have an expensive auto insurance policy? Don’t sweat it because there are many people just like you.
Surprisingly, a recent survey revealed that over 70% of drivers have stayed with the same insurance company for four years or more, and just short of a majority have never shopped around. With the average premium in Texas being $2,700, drivers can save hundreds of dollars each year by just shopping around, but they don’t want to spend time to compare other rate quotes. Companies like Allstate, Liberty Mutual and State Farm all promote huge savings with catchy ads and it can be hard to see through the deception and effectively compare rates to find the best deal.
You should make it a habit to shop coverage around before your policy renews due to the fact that insurance prices change frequently. Even if you got the best quotes on Subaru Legacy insurance in Houston six months ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the best methods to get good coverage on Subaru Legacy insurance in Houston at a lower rate.
If you have coverage now or are just looking to switch companies, you can use these tips to buy cheaper insurance without reducing protection. Choosing the most cost-effective insurance policy in Houston can be much easier if you know how to start. Comparison shoppers just need to learn the most time-saving way to get comparison rates from many different companies online.
Save a ton with discounts
Car insurance companies do not advertise the complete list of policy discounts very well, so we took the time to find a few of the more well known and the more hidden credits that may apply to you. If you aren’t receiving every discount you qualify for, you could be paying more than you need to.
- Passive Restraint Discount – Factory options such as air bags can qualify for discounts of 20 to 30 percent.
- Professional Memberships – Being a member of qualifying clubs or civic groups could trigger savings on your next insurance statement.
- Online Discount – Certain larger companies give back up to $50 shop Houston car insurance on their website.
- Drivers Education – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
- Early Switch Discount – Some larger companies reward drivers for switching companies before your current coverage expires. This discount can save up to 10%.
- Own a Home – Being a homeowner can earn you a little savings because maintaining a house requires personal responsibility.
- Savings for New Vehicles – Insuring a vehicle that is new can save up to 30% since new vehicles are generally safer.
- More Vehicles More Savings – Purchasing coverage when you have multiple vehicles on a single policy can reduce the rates for all insured vehicles.
We need to note that most credits do not apply to the whole policy. Most cut specific coverage prices like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, companies don’t profit that way.
Companies that may offer most of the discounts above may include but are not limited to:
When comparing rates, check with every insurance company how you can save money. Discounts may not be available everywhere. To see companies who offer online Subaru Legacy insurance quotes in Houston, click this link.
Subaru Legacy insurance quotes comparison
Many insurance companies like GEICO, State Farm and Progressive make it easy to get coverage prices from their websites. Getting online rates for Subaru Legacy insurance in Houston doesn’t take a lot of time as you just type in your coverage information as detailed in the form. Upon sending the form, the quote system automatically retrieves your driving record and credit report and provides a quote determined by many factors. The ability to get online rate quotes for Subaru Legacy insurance in Houston makes it a lot easier to compare rates and it’s very important to do this in order to find affordable auto insurance pricing.
If you want to use this form to compare rates, compare rates from the companies below. If you currently have coverage, we recommend you replicate deductibles and limits identical to your current policy. This way, you will have an apples-to-apples comparison for similar insurance coverage.
The following companies have been selected to offer price comparisons in Texas. If more than one company is shown, we suggest you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Legacy 2.5I Premium||$360||$486||$330||$20||$98||$1,294||$108|
|Legacy 2.5I Premium||$362||$570||$392||$24||$118||$1,466||$122|
|Legacy 3.6R Premium||$454||$592||$324||$20||$96||$1,486||$124|
|Legacy 2.5I Limited||$400||$570||$392||$24||$118||$1,504||$125|
|Legacy 2.5GT Premium||$196||$312||$310||$18||$94||$930||$78|
|Legacy 3.6R Limited||$518||$698||$424||$26||$128||$1,794||$150|
|Legacy 2.5 GT Limited||$256||$392||$304||$18||$92||$1,062||$89|
|Legacy 2.5 GT Limited||$454||$698||$324||$20||$96||$1,592||$133|
|Legacy 2.5 GT Limited||$244||$360||$330||$20||$98||$1,052||$88|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in garaging location in Houston which can raise or lower coverage rates significantly.
How much more does full coverage cost?
The example below illustrates the comparison of Subaru Legacy premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no accidents, no driving violations, $250 deductibles, married female driver, and no discounts are applied.
When to stop buying comprehensive and collision coverage
There is no set rule of when to phase out physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Subaru Legacy replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after you pay the deductible. If it’s costing in excess of $700 a year for physical damage coverage, then it could be time to drop full coverage.
There are some cases where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Driving violations and accidents
The chart below shows how traffic citations and at-fault claims can increase Subaru Legacy auto insurance costs for different categories of driver ages. The premiums are based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.
The example below demonstrates how deductible levels and can change Subaru Legacy premium costs for each age group. The prices are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
When to get professional advice
When buying coverage online or from an agent, there is no perfect coverage plan. Your needs are not the same as everyone else’s and your car insurance should unique, too.
For example, these questions can aid in determining if your situation might need an agent’s assistance.
- How can I find cheaper teen driver insurance?
- Am I covered if I drive in a foreign country?
- At what point should I drop full coverage?
- Should I have a commercial auto policy?
- Who is covered by my policy?
- Should I have combined single limit or split liability limits?
If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Car insurance agents near you
Some people would rather get advice from a local agent and that is a smart decision Insurance agents are very good at helping people manage risk and help in the event of a claim. One of the great benefits of price shopping on the web is you can get the lowest rates and still choose a local agent. Buying insurance from neighborhood insurance agencies is still important in Houston.
After filling out this short form, the quote information is instantly submitted to insurance agents in Houston that can provide free Houston car insurance quotes for your business. You won’t need to find an agent due to the fact that quote results will go immediately to your email address. If you want to quote rates from a specific car insurance provider, you just need to search and find their rate quote page to submit a rate quote request.
When looking for a reliable agent, it helps to know the two different types of agencies that differ in how they can insure your vehicles. Agents can either be independent (non-exclusive) or exclusive. Either one can write policy coverage, but it’s a good idea to understand the difference in how they write coverage because it can influence which type of agent you select.
Independent Car Insurance Agents
These type of agents do not sell for just one brand so as a result can place your coverage with an assortment of companies and find the cheapest rate. If premiums increase, your agent can just switch to a different company and you don’t have to do anything.
When comparison shopping, it’s recommended you get insurance quotes from a few independent agents to maximize your price options.
Below are Houston independent agents who may provide comparison quotes.
Exclusive Insurance Agencies
Exclusive agents write business for a single company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so always compare other rates. Exclusive agents are trained well on their company’s products and that allows them to sell at a higher price point.
Listed below is a short list of exclusive agents in Houston that can give you rate quotes.
Selecting a insurance agency needs to be determined by more than just a cheap price quote. These are some valid questions you should ask.
- How often do they review coverages?
- Do they offer accident forgiveness?
- Will a damage claim use OEM or aftermarket replacement parts?
- What insurance companies do they recommend if they are an independent agent?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- What companies can they write with?
- Does the company have a solid financial rating?
Find cheaper rates by comparing often
When you buy Houston car insurance online, do not skimp on coverage in order to save money. There are too many instances where someone dropped physical damage coverage only to regret they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate.
Throughout this article, we presented some good ideas how to compare Subaru Legacy insurance rates in Houston. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding cheaper Houston car insurance quotes. Drivers may even discover the lowest rates come from a small local company. Some small companies may often insure only within specific states and give better rates as compared to the big name companies such as GEICO and State Farm.
- Information for Teen Drivers (GEICO)
- Who Has the Cheapest Auto Insurance for Teenage Males in Houston? (FAQ)
- Who Has Cheap Car Insurance Rates for a Toyota Corolla in Houston? (FAQ)
- Who Has Affordable Car Insurance for a Chevrolet Equinox in Houston? (FAQ)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Older Driver Statistics (Insurance Information Institute)
- Distracted Driving Extends Beyond Texting (State Farm)