Subaru Legacy Insurance Rate Quotes in Lubbock

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

Insurance for Subaru LegacyLocating cheaper insurance for your Subaru Legacy in Texas could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to buy insurance so you're going to learn the absolute fastest way to quote coverages for a Subaru and find the cheapest rates.

The companies in the list below can provide comparison quotes in Lubbock, TX. If you want to find the cheapest car insurance in Texas, we recommend you visit two to three different companies to get the lowest price.

Subaru Legacy coverage analysis

The price information displayed next showcases different coverage prices for Subaru Legacy models. Having knowledge of how auto insurance premiums are determined is important to be able to make informed decisions when comparing rates.

Subaru Legacy Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $220 $290 $422 $24 $126 $1,082 $90
Legacy 2.5I Premium $220 $352 $422 $24 $126 $1,144 $95
Legacy 2.5I Premium $220 $352 $422 $24 $126 $1,144 $95
Legacy 3.6R Premium $242 $352 $422 $24 $126 $1,166 $97
Legacy 3.6R $242 $352 $422 $24 $126 $1,166 $97
Legacy 2.5I Limited $242 $352 $422 $24 $126 $1,166 $97
Legacy 2.5GT Premium $242 $416 $422 $24 $126 $1,230 $103
Legacy 3.6R Limited $242 $416 $422 $24 $126 $1,230 $103
Legacy 2.5 GT Limited $242 $416 $422 $24 $126 $1,230 $103
Legacy 2.5 GT Limited $242 $416 $422 $24 $126 $1,230 $103
Legacy 2.5 GT Limited $242 $416 $422 $24 $126 $1,230 $103
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in garaging location in Lubbock which can revise prices noticeably.

Cost of full coverage in Lubbock

The diagram below illustrates the comparison of Subaru Legacy car insurance rates with full physical damage coverage and with liability coverage only. The data assumes no claims or driving citations, $250 deductibles, single status, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no definitive rule to eliminate full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let's say your Subaru Legacy claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after paying your policy deductible. If it's costing in excess of $500 a year for full coverage, then you might consider buying liability only.

There are some circumstances where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Insurance in Texas serves several purposes

Despite the high cost of buying insurance for a Subaru Legacy in Lubbock, insurance may not be optional for several reasons.

  • Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a 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.
  • If your Subaru has a lienholder, it's guaranteed your bank will make it a condition of the loan that you buy insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Subaru for a lot more money and force you to pay for it.
  • Insurance safeguards both your assets and your Subaru. Insurance will pay for all forms of medical expenses that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense in the event you are sued. If your car is damaged in a storm or accident, your insurance policy will cover the repair costs.

The benefits of carrying adequate insurance more than offset the price you pay, especially when you need to use it. Today the average American driver overpays more than $830 a year so it's recommended you shop around at least once a year to ensure rates are inline.

Specific coverages for a Subaru Legacy

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision coverage - Collision insurance pays for damage to your Legacy resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, rolling your car, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible on your Legacy in order to get cheaper collision rates.

Liability car insurance - This provides protection from injuries or damage you cause to people or other property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 30/60/25 that means you have a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical expenses, legal defense fees, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford. Texas state minimum liability requirements are 30/60/25 but it's recommended drivers buy more coverage.

The chart below demonstrates why minimum state limits may not provide adequate coverage.

Comprehensive coverage - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, theft, damage from flooding, rock chips in glass and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as chiropractic care, ambulance fees and pain medications. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. It can pay for medical payments for you and your occupants and damage to your Subaru Legacy.

Since a lot of drivers carry very low liability coverage limits (Texas limits are 30/60/25), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

How to find a good Texas car insurance company

Insuring your vehicle with the best company can be challenging considering how many different companies there are to choose from in Lubbock. The ranking information shown next may help you choose which insurers to look at buying from.

Top 10 Lubbock Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA - 91%
  2. AAA Insurance - 90%
  3. Esurance - 90%
  4. Mercury Insurance - 89%
  5. Nationwide - 89%
  6. Travelers - 88%
  7. Progressive - 88%
  8. Safeco Insurance - 88%
  9. State Farm - 88%
  10. Allstate - 88%

Top 10 Lubbock Car Insurance Companies by A.M. Best Rank

  1. Travelers - A++
  2. USAA - A++
  3. GEICO - A++
  4. State Farm - A++
  5. Titan Insurance - A+
  6. Esurance - A+
  7. Progressive - A+
  8. The Hartford - A+
  9. Allstate - A+
  10. Nationwide - A+