Subaru Legacy Insurance Rates in El Paso

The easiest way to get more affordable Subaru Legacy insurance in El Paso is to start comparing prices regularly from companies who provide car insurance in Texas. Prices can be compared by completing these steps.

1. Try to understand what is in your policy and the modifications you can make to lower rates. Many things that drive up the price such as getting speeding tickets and poor credit can be rectified by being financially responsible and driving safely.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can quote prices from multiple companies.
3. Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you can save money, ensure coverage does not lapse between policies.

The most important part of shopping around is that you use the same level of coverage on each quote and and to get prices from every company you can. Doing this provides the most accurate price comparison and a complete rate analysis.

Everyone knows that car insurance companies don’t want policyholders to shop around. Consumers who shop around for a cheaper policy are likely to switch auto insurance companies because there is a significant possibility of finding more affordable rates. Remarkably, a study showed that people who shopped around annually saved an average of $865 a year as compared to drivers who never compared prices.

If saving money on auto insurance in El Paso is your intention, then understanding how to find and compare insurance coverage can save time and money.

The purpose of this post is to help educate you on how to get online quotes and also pocket some savings If you currently have a car insurance policy, you stand a good chance to be able to get lower rates using the following tips. But Texas consumers must know how big insurance companies compete online and use it to find better rates.

Cheaper rates with these eight discounts

Companies offering auto insurance don’t always list the entire discount list in an easy-to-find place, so the following is a list of a few of the more well known and also the lesser-known savings tricks you should be using when you buy El Paso auto insurance online.

• Driver Education Discount – It’s a good idea to have your young drivers successfully take a driver’s education course in school or through a local driver safety program.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
• One Accident Forgiven – Not a discount per se, but certain companies will let one accident slide before your rates go up as long as you don’t have any claims before the accident.
• Safe Driver Discounts – Insureds without accidents may save up to 50% more as compared to drivers with claims.
• Distant Student – Kids who are enrolled in higher education away from home and do not have a car may qualify for this discount.
• Defensive Driver Discount – Successfully completing a class that teaches safe driver techniques could possibly earn you a 5% discount if your company offers it.
• Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you can actually save on your bill.
• Sign Online – A few larger companies may give you up to $50 for buying your policy on the internet.

One last thing about discounts, most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

The example below compares Subaru Legacy insurance prices with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, safe-driver, multi-car, and marriage discounts applied.

Some companies who may offer most of these discounts include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Before buying, ask every company to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in your state.

The best way we recommend to compare rate quotes for Subaru Legacy insurance in El Paso is to understand most of the bigger providers have advanced systems to compare their rates. The only thing you need to do is provide a small amount of information such as if it has an alarm system, driver ages, if you lease or own, and the make and model of your vehicles. The rating information is then sent to many highly-rated insurers and they return quotes within a short period of time.

To check rates for your Subaru Legacy now, click here then complete the form.

The auto insurance companies shown below are ready to provide free rate quotes in El Paso, TX. If multiple providers are shown, we suggest you click on several of them in order to find the lowest rates.

Facts and figures for Subaru Legacy insurance

The coverage table below outlines a range of insurance prices for Subaru Legacy models. Having knowledge of how car insurance prices are formulated can assist in making smart choices when buying a policy.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in specific garaging location which can influence price quotes significantly.

Cost of full coverage

The information below visualizes the comparison of Subaru Legacy car insurance costs with full coverage and liability only. The rate quotes are based on no claims or violations, $100 deductibles, single status, and no policy discounts are applied.

When to drop comprehensive and collision

There is no definitive guideline for dropping physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Subaru Legacy claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after paying your deductible. If it’s costing you more than $300 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some cases where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Buying auto insurance from El Paso insurance agents

Many drivers still prefer to visit with an insurance agent and that is recommended in a lot of cases One of the best bonuses of comparing rate quotes online is that you can obtain the best rates and still buy from a local agent. And providing support for neighborhood insurance agencies is definitely important in El Paso.

To make it easy to find an agent, after completing this quick form, your insurance data is immediately sent to local insurance agents who can give free rate quotes for your auto insurance coverage. It’s much easier because you don’t need to drive around since rate quotes are delivered straight to your inbox. You can find better rates and a licensed agent to talk to. If you need to quote rates for a specific company, you just need to find their quoting web page and fill out the quote form the provide.

Independent or Exclusive: It’s your choice

If you want to use an insurance agent, there are two different types of agencies that you can select. Agents can be categorized as either exclusive agents or independent agents.

Independent Auto Insurance Agents

Independent agents can sell policies from many different companies so as a result can place your coverage through lots of different companies and find you the best rates. If they quote lower rates, your agent can switch companies and you don’t have to find a new agent.

When comparing rate quotes, you absolutely need to get quotes from several independent insurance agents to have the best price comparison. Many write coverage with smaller companies that may provide cheaper auto insurance rates.

Listed below is a list of independent insurance agents in El Paso that may be able to provide free rate quotes.

• Desert West Insurance: Lavelle Michael
  7500 Viscount Suite 101 – El Paso, TX 79925 – (830) 534-9623 – View Map
• Red Rock Insurance
  7500 N Mesa St # 202 – El Paso, TX 79912 – (915) 845-7777 – View Map
• Nationwide Insurance: Pinon and Associates Financial Corporation
  1515 E Missouri Ave – El Paso, TX 79902 – (915) 857-6890 – View Map

View more El Paso agents

Exclusive Auto Insurance Agents

Agents that choose to be exclusive work for only one company and some examples include Allstate, State Farm and Farmers Insurance. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Some people will only use the same exclusive agent mostly because of the brand legacy rather than low price.

The following is a list of exclusive agencies in El Paso willing to provide rate quotes.

• Allstate Insurance: Team Rudy Ledesma Insurance Agency
  6801 N Mesa St b206 – El Paso, TX 79912 – (915) 581-7200 – View Map
• Eric Fierro – State Farm Insurance Agent
  2200 N Yarbrough Dr c – El Paso, TX 79925 – (915) 595-3622 – View Map
• Yvonne Curtis – State Farm Insurance Agent
  1550 Hawkins Blvd Ste 15 – El Paso, TX 79925 – (915) 591-0871 – View Map

View more El Paso agents

Deciding on an insurance agency should include more criteria than just the price. Here are some questions you should ask.

• Does the agency have a current Errors and Omissions policy?
• Do they have a Better Business Bureau rating in El Paso?
• What companies can they write with?
• How experienced are they in personal risk management?
• Do clients work directly with the agent or are most inquiries handled by a CSR?

Car insurance is an important decision

Even though El Paso Legacy insurance rates can get expensive, car insurance is required in Texas but it also protects you in many ways.

First, most states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability insurance coverage if you want to drive legally. 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 you took out a loan on your vehicle, most banks will force you to buy insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may insure your Subaru for a much higher rate and force you to reimburse them a much higher amount than you were paying before.

Third, car insurance preserves both your assets and your car. It will also provide coverage for medical transport and hospital expenses that are the result of an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your Subaru as the result of the weather or an accident, your policy will cover the repair costs.

The benefits of having car insurance definitely exceed the price paid, particularly when you have a large claim. Unknowingly, the average driver overpays as much as $865 each year so you should quote your policy with other companies each time the policy renews to help ensure money is not being wasted.

Information about specific coverages

Knowing the specifics of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Collision coverage – Collision coverage covers damage to your Legacy resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, crashing into a building, crashing into a ditch, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible on your Legacy to get cheaper collision coverage.

Comprehensive coverage – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, damage from a tornado or hurricane, a tree branch falling on your vehicle and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Legacy.

Since a lot of drivers carry very low liability coverage limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance – Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 30/60/25 that translate to a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, medical expenses and structural damage. How much coverage you buy is a personal decision, but consider buying as large an amount as possible. Texas requires minimum liability limits of 30/60/25 but drivers should carry more coverage.

The illustration below shows why buying minimum limits may not provide adequate coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for hospital visits, X-ray expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Don’t give up on cheap coverage

Consumers who switch companies do it for any number of reasons including poor customer service, high prices, unfair underwriting practices and even denial of a claim. Regardless of your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.

Lower-priced auto insurance in El Paso is attainable both online in addition to many El Paso insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not provide rate quotes online and most of the time these regional carriers prefer to sell through independent agencies.

We just presented many ideas to find affordable Subaru Legacy insurance in El Paso. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a smaller regional carrier.

Helpful articles

• Teen Driving Statistics (GEICO)
• Shopping for a Safe Car (Insurance Information Institute)
• Safe Vehicles for Teens (iihs.org)
• All About Airbag Safety (State Farm)
• Teen Driver Statistics (Insurance Information Institute)