Car Insurance Rate Quotes for a Subaru Legacy in San Francisco

Would you like to buy cheaper insurance rates in San Francisco, CA? San Francisco shoppers have options when shopping for low-cost Subaru Legacy insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to make rate comparisons.

There are both good and bad ways to find insurance online and we’ll show you the absolute fastest way to get price quotes for a new or used Subaru and get the lowest possible price either online or from San Francisco insurance agents.

You need to check insurance prices once or twice a year because insurance prices tend to go up over time. Just because you found the lowest quotes on Subaru Legacy insurance in San Francisco at your last renewal a different company probably has better rates today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the best ways to find better coverage on Subaru Legacy insurance in San Francisco at a better price.

If you are already insured or are looking for a new policy, follow these tips to get lower rates and still have adequate protection. Our goal in writing this article help educate you on how to get online quotes and some tricks to saving. Smart buyers just need to use the most effective way to compare rates over the internet.

The method we recommend to compare rates for Subaru Legacy insurance in San Francisco takes advantage of the fact most of the bigger providers will pay a fee to compare their rates. The only thing you need to do is provide details such as what your job is, whether you are single or married, if you lease or own, and any included safety features. Your insurance information is instantly submitted to many highly-rated insurers and you will receive price estimates instantly.

To start a quote now, click here and find out if you can get cheaper insurance in San Francisco.

The companies in the list below provide free quotes in San Francisco, CA. If multiple providers are shown, we suggest you compare several of them to get a more complete price comparison.

Choosing the best Subaru vehicle insurance in California is an important decision

Despite the high cost of buying insurance for a Subaru Legacy in San Francisco, paying for car insurance is required for several reasons.

• Just about all states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you took out a loan on your Subaru, it’s most likely the lender will make it a condition of the loan that you have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Subaru at an extremely high rate and force you to pay the higher price.
• Car insurance preserves your vehicle and your assets. It will also provide coverage for medical bills incurred in an accident. Liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of having car insurance definitely exceed the cost, especially when you need to use it. Despite what companies tell you, the average driver is overpaying over $700 annually so compare rate quotes at every renewal to be sure current rates are still competitive.

Analysis of coverages

The rate table shown next highlights different insurance rates for Subaru Legacy models. Learning more about how insurance premiums are determined can benefit drivers when making smart choices when comparing insurance rates.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in your specific San Francisco location which can decrease or increase premiums considerably.

The information below illustrates how choosing a deductible and can impact Subaru Legacy insurance rates for different age groups of insureds. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied.

Age-based auto insurance rates by gender

The illustration below visualizes the comparison of Subaru Legacy auto insurance rates for male and female drivers. The rate quotes are based on no claims, a clean driving record, full coverage, $1,000 deductibles, single marital status, and no discounts are factored in.

Subaru Legacy liability rates compared to full coverage

The illustration below shows the difference between Subaru Legacy insurance costs with full coverage compared to only the California minimum liability coverage. The premiums are based on no claims or driving violations, $500 deductibles, single status, and no discounts are taken into consideration.

When to drop comprehensive and collision

There is no specific rule to stop buying physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Subaru Legacy replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some circumstances where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Get cheaper Subaru Legacy insurance rates in San Francisco

Companies don’t always advertise their entire list of discounts in an easy-to-find place, so below is a list some of the more common as well as the least known car insurance savings.

• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20 to 30 percent.
• Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.
• Safe Driver Discount – Insureds who avoid accidents can save as much as half off their rates than their less cautious counterparts.
• Organization Discounts – Participating in certain professional organizations could earn you a nice discount on your next car insurance statement.
• Telematics Data Discounts – People who choose to allow their company to analyze their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they have good driving habits.
• Government Employee Discount – Active or former government employment may qualify for a discount when you quote San Francisco auto insurance with select insurance companies.
• Driver’s Education for Students – Require your teen driver to take driver’s ed class if offered at their school.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free car insurance policy, companies wouldn’t make money that way. Any amount of discount should help lower the amount you pay for coverage.

The information below shows the difference between Subaru Legacy auto insurance costs with and without some available policy discounts. Data assumes a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, safe-driver, marriage, and multi-car discounts applied.

If you would like to see a list of insurers with the best discounts in San Francisco, click here.

Local agents and insurance

Some people would rather go talk to an agent and that is a smart decision Professional insurance agents will help you protect your assets and will help you if you have claims. One of the great benefits of getting free rate quotes online is that you can find cheaper prices and still have an agent to talk to. And providing support for local agents is still important in San Francisco.

By using this quick form, your coverage information is immediately sent to local insurance agents in San Francisco that can provide free San Francisco auto insurance quotes and help you find cheaper coverage. You don’t have to leave your house as quotes are delivered to the email address you provide. If you have a need to get a rate quote for a specific company, don’t hesitate to visit that company’s website and fill out their quote form.

Choosing a company should depend on more than just the bottom line cost. Ask your prospective agent these questions:

• Can you use your own choice of collision repair facility?
• Do they reduce claim amounts on high mileage vehicles?
• Does the quote include credit and driving reports?
• Can glass repairs be made at your home?
• What insurance companies do they recommend if they are an independent agent?
• What is the financial rating for the quoted company?

Parts of your insurance policy

Knowing the specifics of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Auto collision coverage

This pays for damage to your Legacy caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your Legacy to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Subaru Legacy.

Due to the fact that many California drivers have only the minimum liability required by law (which is 15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these limits do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like EMT expenses, X-ray expenses, rehabilitation expenses, ambulance fees and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

Liability insurance can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 15/30/5 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like loss of income, pain and suffering, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.

The illustration below demonstrates why buying the state minimum limits may not be enough.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, rock chips in glass, damage from getting keyed, falling objects and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Be persistent and save

When trying to cut insurance costs, do not buy poor coverage just to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

We covered a lot of tips how to save on Subaru Legacy insurance in San Francisco. The key thing to remember is the more price quotes you have, the better your chances of lowering your car insurance rates. You may even find the best rates are with a small mutual company.

Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, policy cancellation or even poor customer service. It doesn’t matter what your reason, finding a new insurance company can be less work than you think.

Steps to finding discount Subaru Legacy insurance in San Francisco

The best way we recommend to find cheaper prices for car insurance rates in San Francisco is to compare prices once a year from insurers in California.

• First, gain an understanding of policy coverages and the modifications you can make to drop your rates. Many rating criteria that drive up the price like accidents, careless driving, and a not-so-good credit history can be eliminated by making minor changes in your lifestyle.
• Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive and State Farm, while independent agencies can provide prices from multiple sources.
• Third, compare the new rate quotes to the price on your current policy and determine if cheaper Legacy coverage is available in San Francisco. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.
• Fourth, tell your current company to cancel your existing policy. Submit a completed application and payment for your new policy. As soon as you have the new policy, place your new certificate of insurance with your registration paperwork.

The most important part of this process is to try to use identical coverages on every quote request and and to get price quotes from as many auto insurance providers as possible. Doing this ensures the most accurate price comparison and plenty of rates choose from.

Helpful information

• Auto Insurance FAQ (Farmers Insurance)
• Who Has Affordable San Francisco Auto Insurance for a Ford F-150? (FAQ)
• What Insurance is Cheapest for Infrequent Drivers in San Francisco? (FAQ)
• How to Avoid Common Accidents (State Farm)
• Vehicle Insurance (Wikipedia)
• Distracted Driving (Insurance Information Institute)
• Child Safety Seats (Insurance Information Institute)