Cheap Insurance for a Subaru Legacy in Plano

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Subaru Legacy insurance
Subaru Legacy insurance image courtesy of QuoteInspector.com

If saving money is your primary concern, then the best way to find lower priced Subaru Legacy insurance in Plano is to start doing an annual price comparison from insurers who can sell car insurance in Texas. Rate comparisons can be done by following these steps.

First, gain an understanding of coverages and the factors you can control to keep rates low. Many rating criteria that increase rates such as accidents, careless driving, and an unacceptable credit rating can be eliminated by making minor changes to your lifestyle.

Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while independent agents can provide prices for many different companies.

Third, compare the price quotes to the price on your current policy to see if cheaper Legacy coverage is available. If you can save some money and make a switch, ensure there is no coverage lapse between policies.

Fourth, give notification to your agent or company to cancel your current car insurance policy. Submit the signed application along with the required initial payment to the new company. Be sure to store the proof of insurance certificate with your vehicle's registration.

The most important part of shopping around is to try to compare similar deductibles and liability limits on each price quote and and to compare as many different companies as possible. Doing this helps ensure a fair price comparison and the best price quote selection.

Discount Subaru Legacy insuranceUnbelievable but true according to a study most insurance buyers have purchased from the same company for at least four years, and approximately 40% of consumers have never compared insurance rates at all. The average driver in Texas could save up to $1,766 a year, but they don't believe the rate savings if they just switched companies.

Locating the most cost-effective car insurance policy in Plano can be made easier if you know where to look. If you're already insured, you will definitely be able to get lower rates using the concepts covered in this article. Consumers just need to learn how to quote multiple rates from many different companies online.

Finding a better price on insurance is a great way to save money. All you need to do is spend a little time to get quotes to see which company has low cost Plano car insurance quotes.

Comparison shopping price quotes online is easy and it replaces the need to call or drive to all the different insurance agencies. Shopping for insurance online eliminates the need for an insurance agent unless you prefer the trained guidance of a local agent. Drivers can compare online quotes but buy the policy through an agent.

The following companies provide quotes in Texas. If your goal is to find the best cheap car insurance in TX, it's highly recommended you compare several of them in order to get a fair rate comparison.

Facts and figures for Subaru Legacy insurance

The coverage table below covers estimates of insurance rates for Subaru Legacy models. Having a better idea how rates are determined can assist in making decisions when choosing a new policy provider.

Subaru Legacy Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $176 $212 $304 $18 $92 $802 $67
Legacy 2.5I Premium $176 $260 $304 $18 $92 $850 $71
Legacy 2.5I Premium $176 $260 $304 $18 $92 $850 $71
Legacy 3.6R Premium $194 $260 $304 $18 $92 $868 $72
Legacy 3.6R $194 $260 $304 $18 $92 $868 $72
Legacy 2.5I Limited $194 $260 $304 $18 $92 $868 $72
Legacy 2.5GT Premium $194 $306 $304 $18 $92 $914 $76
Legacy 3.6R Limited $194 $306 $304 $18 $92 $914 $76
Legacy 2.5 GT Limited $194 $306 $304 $18 $92 $914 $76
Legacy 2.5 GT Limited $194 $306 $304 $18 $92 $914 $76
Legacy 2.5 GT Limited $194 $306 $304 $18 $92 $914 $76
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Table data does not factor in specific location which can change coverage prices considerably.

Physical damage deductibles

One of the more difficult decisions when buying auto insurance is how high should the physical damage coverage deductibles be. The comparison tables below can help show how much more rates are of buying low and high physical damage deductibles. The first rate estimation uses a $100 physical damage coverage 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

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in your specific Plano location which can affect prices substantially.

Based on the data above, we can derive that using a $100 deductible costs roughly $43 more each month or $516 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 21 months between claims, you would more than likely save some money if you choose the higher deductible.

Calculation for determining deductible levels

Average monthly premium for $100 deductibles: $128
Average monthly premium for $1,000 deductibles (subtract): - $85
Monthly savings from raising deductible: $43
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $43
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

An important thing to remember is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a comprehensive or collision claim. That will force you to have enough disposable savings in the event you need to pay the higher deductible.

The diagram below illustrates how your deductible choice and can influence Subaru Legacy insurance costs for each different age category. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied to the premium.

Rate comparison of full coverage and liability-only

The chart below shows the difference between Subaru Legacy annual premium costs with and without full coverage. The premiums are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are applied.

Guidelines for dropping full coverage

There is no clear-cut formula to stop paying for full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Subaru Legacy book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after the policy deductible has been paid. If you are currently paying more than $800 annually to have full coverage, then you may need to consider dropping full coverage.

There are some cases where only buying liability is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

It may be expensive, but it's not optional

Despite the high cost of buying insurance for a Subaru Legacy in Plano, buying auto insurance serves an important purpose.

First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to be legal. 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 your Legacy has a lienholder, it's guaranteed your bank will have a requirement that you have physical damage coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank will be required to insure your Subaru at a much higher rate and force you to pay for the much more expensive policy.

Third, insurance protects both your vehicle and your personal assets. It will also pay for medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense in the event you are sued. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance more than cancel out the cost, particularly if you ever have a claim. Unknowingly, the average driver is currently overpaying as much as $865 each year so it's important to compare rates at every policy renewal to save money.

Learn How to Buy Car Insurance for Less

Lots of factors are considered when you quote your car insurance policy. Most are fairly basic like your driving record, but some are less obvious such as your marital status and annual miles driven. Consumers need to have an understanding of the rating factors that go into determining car insurance rates. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that could result in much lower annual insurance costs.

The factors shown below are just a few of the factors that factor into premiums.

  • Rates can drop if you have more than one policy - Lots of insurance companies apply better rates for people who have multiple policies with them in the form of a multi-policy discount. This can amount to five, ten or even twenty percent. Even with this discount applied, it's still a good idea to comparison shop to ensure the best deal. Consumers may save money by buying from different companies
  • Defend yourself with liability coverage - A critical coverage on your policy, liability insurance kicks in in the event that a jury decides you are liable for damages caused by your negligence. It provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Gender is a factor - The statistics show women are more cautious behind the wheel. However, don't assume that men are worse drivers. Women and men tend to get into fender benders in similar percentages, but the male of the species have accidents that have higher claims. Men also statistically get more serious tickets such as reckless driving.

    The chart below illustrates the difference between Subaru Legacy auto insurance rates for male and female drivers. The prices are based on no violations or accidents, full coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

  • Prevent theft and save - Owning a car with a theft deterrent system can help lower your premiums. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft.
  • Traffic violations will cost you - Attentive drivers get better rates than their less careful counterparts. Even a single citation can increase rates by as much as twenty percent. Drivers who have gotten serious tickets like DUI or reckless driving may find that they have to to prove financial responsibility to the state department of motor vehicles in order to keep their license.

    The illustration below illustrates how speeding tickets and accident claims raise Subaru Legacy insurance costs for different age groups. The data assumes a married male driver, full coverage, $500 deductibles, and no discounts are factored in.

  • Insurance loss probability for a Subaru Legacy - Car insurance companies use past insurance losses to help determine rates. Models that statistically have a trend towards higher claims will be charged more to insure.

    The next table illustrates the historical insurance loss data for Subaru Legacy vehicles. For each type of coverage, the claim probability for all vehicles combined as an average is set at 100. Percentages below 100 imply a favorable loss record, while values that are above 100 indicate frequent claims or a tendency for losses to be larger than average.

    Subaru Legacy Insurance Loss Statistics
    Vehicle 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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics from IIHS.org for 2013-2015 Model Years

Auto insurance quotes and discounts

Companies offering auto insurance don't always publicize all discounts very well, so the next list breaks down some of the best known as well as some of the hidden ways to save on auto insurance.Save money with discounts

  • No Charge for an Accident - Not a discount per se, but a few companies such as GEICO, Progressive, and Allstate will forgive one accident before raising your premiums so long as you are claim-free prior to the accident.
  • Pay Upfront and Save - By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
  • Seat Belt Usage - Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the PIP or medical payment premium.
  • Life Insurance Discount - Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
  • Early Renewal Discounts - Select insurance companies give a discount for signing up prior to your current Legacy insurance policy expiring. You could save around 10% when you buy Plano car insurance online.
  • Clubs and Organizations - Belonging to qualifying employment or professional organizations can get you a small discount on your bill.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • More Vehicles More Savings - Buying a policy with multiple vehicles with one company can get a discount on all vehicles.

As is typical with insurance, most credits do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn't make money that way.

The illustration below shows the comparison of Subaru Legacy auto insurance costs with and without policy discounts. The premium estimates are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, claim-free, safe-driver, and marriage discounts applied.

To see insurance companies that offer the discounts shown above in Plano, click here to view.

When to get advice from an insurance agency

Certain consumers just want to talk to a local agent and that is just fine! Insurance agents are trained to spot inefficiencies and help file insurance claims. An additional benefit of comparing insurance prices online is you may find cheap rate quotes and still have a local agent.

To help locate an agent, after submitting this form (opens in new window), your insurance data is transmitted to insurance agents in Plano who will give you bids for your insurance coverage. You won't need to contact any insurance agencies since price quotes are sent immediately to you. If you wish to compare prices from a specific company, feel free to search and find their rate quote page and fill out their quote form.

Picking an provider requires you to look at more than just a cheap price. Any good agent in Plano should know the answers to these questions.

  • Who are their largest clients?
  • Do they offer claims assistance after hours?
  • Did they already check your driving record and credit reports?
  • Are they primarily personal or commercial lines agents in Plano?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Are there any extra charges for paying monthly?

Two types of Plano auto insurance agents

If you want a local Plano insurance agency, you should know the different agency structures and how they work. Agencies in Plano can either be exclusive agents or independent agents. Either can write policy coverage, but it's important to point out the differences because it can factor into buying decisions.

Exclusive Agents

Agents of this type normally can only provide a single company's rates like Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. Exclusive agents are very knowledgeable on their products and sales techniques which can be an advantage.

The following is a short list of exclusive insurance agents in Plano that are able to give comparison quotes.


6853 Coit Rd Ste 400 - Plano, TX 75024 - (972) 423-4009 - View Map


3308 Preston Rd #300 - Plano, TX 75093 - (972) 758-1111 - View Map


7920 Preston Rd #300 - Plano, TX 75024 - (972) 690-9090 - View Map

More Plano agents

Independent Agencies or Brokers

Agents that choose to be independent are not restricted to one company and that is an advantage because they can write policies through many companies and find the cheapest rate. If they find a cheaper price, your agent can just switch to a different company and you can keep the same agent.

If you are trying to find cheaper rates, you definitely need to get several quotes from at a minimum one independent agency for the best price selection.

Listed below is a list of independent agents in Plano that can give you price quote information.


5805 Coit Rd #401 - Plano, TX 75093 - (972) 964-0113 - View Map


2301 Ohio Dr - Plano, TX 75093 - (877) 745-5005 - View Map


3131 Custer Rd #275 - Plano, TX 75075 - (866) 386-0739 - View Map

More Plano agents

A conclusion for your insurance search

When trying to cut insurance costs, do not buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to discover later that it was a big error on their part. Your aim should be to purchase plenty of coverage at the best possible price.

We covered a lot of techniques to get a better price on Subaru Legacy insurance in Plano. It's most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the most savings is with a smaller regional carrier. Some small companies may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate and Progressive.

To learn more, feel free to browse the articles below: