Want to learn how to buy the cheapest Subaru Legacy insurance in Boston? I doubt anyone fancies paying their premiums for car insurance, particularly when they could find better prices if they shop around.
Unbelievable but true according to a study almost 70% of insureds kept their policy with the same company for at least four years, and roughly 40% of drivers have never taken the time to shop around. Massachusetts drivers could save approximately 45% a year, but they don’t invest the time required to compare rates online.
Steps to finding affordable quotes for Subaru Legacy insurance in Boston
If you want to save money, the best way to get discount Subaru Legacy insurance is to regularly compare prices from different companies who sell auto insurance in Boston.
First, spend a few minutes and learn about how companies set rates and the factors you can control to lower rates. Many factors that increase rates such as inattentive driving and a lousy credit rating can be rectified by making small lifestyle or driving habit changes.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while independent agencies can provide price quotes from multiple companies.
Third, compare the price quotes to the premium of your current policy to see if a cheaper rate is available. If you can save money and make a switch, make sure coverage does not lapse between policies.
One piece of advice is to make sure you’re comparing the same level of coverage on every quote request and and to get quotes from all possible companies. This ensures an apples-to-apples comparison and a thorough price selection.
Popular companies such as GEICO, 21st Century and Progressive all claim big savings with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.
It’s smart to shop coverage around periodically since insurance prices change quite often. Just because you found the best rates on Subaru Legacy insurance in Boston six months ago a different company probably has better rate quotes today. Forget all the misinformation about car insurance because you’re about to find out the fastest way to save money, get proper deductibles and limits, all at the lowest rate.
Companies offer money-saving discounts on Subaru Legacy insurance in Boston
Companies that sell car insurance do not list all available discounts in an easy-to-find place, so the following list contains both well-publicized and also the more inconspicuous credits available to you.
- Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with the same insurance company qualifies for this discount.
- Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
- Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
- Discount for Swiching Early – Some insurance companies provide a discount for switching companies before your current coverage expires. It could save around 10% when you buy Boston auto insurance online.
- Safety Restraint Discount – Drivers who require all occupants to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for a discount up to 10%.
Just know that some credits don’t apply to the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.
The example below illustrates the difference between Subaru Legacy premium costs with and without some available policy discounts. The rate quotes are based on a male driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, claim-free, multi-policy, and marriage discounts applied.
A few popular companies and a partial list of their discounts are detailed below.
- Farmers Insurance has savings for alternative fuel, mature driver, teen driver, youthful driver, business and professional, bundle discounts, and electronic funds transfer.
- State Farm includes discounts for Drive Safe & Save, multiple autos, anti-theft, safe vehicle, defensive driving training, and passive restraint.
- Liberty Mutual offers discounts for new vehicle discount, safety features, good student, exclusive group savings, and preferred payment discount.
- MetLife may have discounts that include multi-policy, good student, defensive driver, good driver, claim-free, and accident-free.
- Progressive offers premium reductions for online quote discount, multi-vehicle, good student, continuous coverage, multi-policy, and homeowner.
When comparing rates, check with each company which discounts can lower your rates. All car insurance discounts might not apply in Boston.
The method we recommend to get policy rate comparisons for Subaru Legacy insurance in Boston utilizes the fact car insurance companies have advanced systems to quote your coverage. The only thing you need to do is provide details such as if the car is leased, your occupation, if you are currently licensed, and marital status. That rating information is sent automatically to insurance carriers in your area and you receive quotes quickly.
To start a rate quote now, click here and find out if you can get cheaper insurance in Boston.
The following companies are ready to provide free quotes in Boston, MA. If multiple companies are listed, we suggest you visit as many as you can to find the most affordable car insurance rates.
Insurance data for a Subaru Legacy
The premium table displayed next highlights different coverage costs for Subaru Legacy models. Learning more about how insurance premiums are figured can aid in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Legacy 2.5I | $348 | $482 | $370 | $22 | $110 | $1,332 | $111 |
| Legacy 2.5I Premium | $348 | $586 | $370 | $22 | $110 | $1,436 | $120 |
| Legacy 2.5I Premium | $348 | $586 | $370 | $22 | $110 | $1,436 | $120 |
| Legacy 3.6R Premium | $382 | $586 | $370 | $22 | $110 | $1,470 | $123 |
| Legacy 3.6R | $382 | $586 | $370 | $22 | $110 | $1,470 | $123 |
| Legacy 2.5I Limited | $382 | $586 | $370 | $22 | $110 | $1,470 | $123 |
| Legacy 2.5GT Premium | $382 | $692 | $370 | $22 | $110 | $1,576 | $131 |
| Legacy 3.6R Limited | $382 | $692 | $370 | $22 | $110 | $1,576 | $131 |
| Legacy 2.5 GT Limited | $382 | $692 | $370 | $22 | $110 | $1,576 | $131 |
| Legacy 2.5 GT Limited | $382 | $692 | $370 | $22 | $110 | $1,576 | $131 |
| Legacy 2.5 GT Limited | $382 | $692 | $370 | $22 | $110 | $1,576 | $131 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in zip code location which can modify rates significantly.
Liability only or full coverage
The illustration below visualizes the comparison of Subaru Legacy annual premium costs when comparing full coverage to state minimum liability only. The premium estimates are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.
Should you pay for full coverage?
There is no specific rule to delete full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 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 book value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $2,000 after you pay the deductible. If it’s costing in excess of $200 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where dropping full coverage is not recommended. If you haven’t paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not buy liability only.
Getting quotes from local Boston insurance agencies
A lot of people would rather sit down with an agent and that is a smart decision One of the benefits of getting online price quotes is the fact that drivers can get lower premium rates and still choose a local agent. Buying insurance from local agents is especially important in Boston.
For easy comparison, once you complete this simple form, your information is transmitted to insurance agents in Boston who will give you quotes and help you find cheaper coverage. You won’t even need to even leave your home because prices are sent to you instantly. You’ll get the best rates and a licensed agent to work with. In the event you want to compare prices from a specific auto insurance provider, just visit that company’s website and give them your coverage information.
Multiple types of auto insurance agents in Boston
When looking for a reliable insurance agent, there are a couple of different types of agencies and how they function. Auto insurance agents in Boston can be categorized as either independent (non-exclusive) or exclusive.
Independent Auto Insurance Agents (or Brokers)
Independent agents do not have single company limitations and that is an advantage because they can write policies with an assortment of companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply switch companies in-house which makes it simple for you. When searching for an agent, you will definitely want to get rate quotes from a couple of independent agencies for the best price selection.
The following is a list of independent insurance agents in Boston that may be able to provide pricing information.
Ann M Foley Insurance
657 Gallivan Blvd – Boston, MA 02124 – (617) 282-5659 – View Map
Massachusetts Fair Plan
2 Center Plz # 800 – Boston, MA 02108 – (617) 723-3800 – View Map
Allston Insurance
281 Western Ave – Boston, MA 02134 – (617) 229-6413 – View Map
Exclusive Agents
Exclusive insurance agents can only place business with one company such as Allstate, State Farm and Farmers Insurance. These agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive insurance agents receive a lot of sales training in insurance sales and that can be a competitive advantage.
Below are Boston exclusive agencies that can give you price quote information.
Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Choosing the best insurance agent should include more criteria than just a cheap price quote. Any agent in Boston should be willing to answer these questions.
- If you have an accident, will your rates go up?
- Is the agent properly licensed in Massachusetts?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Will the company cover a rental car if your car is getting fixed?
- Which companies can they place coverage with?
Don’t give up on cheaper rates
As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where someone dropped uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The aim is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.
We’ve covered many ways to compare Subaru Legacy insurance prices in Boston. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers may even find the biggest savings come from an unexpected company. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or GEICO.
Steps to finding discount Subaru Legacy insurance in Boston
It takes a little time, but the best way to get low-cost auto insurance rates is to do an annual price comparison from providers who provide car insurance in Boston.
- First, learn about policy coverages and the changes you can make to prevent expensive coverage. Many rating criteria that result in higher rates such as accidents, traffic violations, and a poor credit score can be remedied by being financially responsible and driving safely.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can quote prices from multiple sources.
- Third, compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available in Boston. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, give proper notification to your current agent or company of your intention to cancel your current coverage and submit payment and a signed application to your new carrier. As soon as you have the new policy, keep your new certificate verifying proof of insurance in an accessible location in your vehicle.
A good piece of advice is to make sure you’re comparing the same level of coverage on every quote and and to get rate quotes from as many carriers as you can. Doing this helps ensure the most accurate price comparison and and a good selection of different prices.
Additional information can be read at these links:
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has Cheap Boston Car Insurance for Uninsured Drivers? (FAQ)
- Who Has Affordable Auto Insurance for Unemployed Drivers in Boston? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a School Permit in Boston? (FAQ)
- Who Has the Cheapest Boston Auto Insurance Quotes for a Ford Fusion? (FAQ)
- Who Has the Cheapest Boston Car Insurance Rates for a Learners Permit? (FAQ)
- Who Has Affordable Auto Insurance for Used Cars in Boston? (FAQ)
- Who Has Cheap Boston Auto Insurance for Lyft Drivers? (FAQ)
- Side Impact Crash Tests (iihs.org)
- State Car Insurance Guides (GEICO)