Subaru Legacy Insurance Rates in Santa Ana

If you are a novice to online car insurance shopping, you may be overwhelmed by the large number of insurance providers all promising to save you money.

Steps to buying low-cost Subaru Legacy insurance in Santa Ana

If your goal is the lowest price, then the best way to find cheaper prices for Subaru Legacy insurance in Santa Ana is to make a habit of regularly comparing prices from providers in California.

1. Try to learn a little about the different coverages in a policy and the things you can control to prevent rate increases. Many things that result in higher rates such as accidents, careless driving, and a poor credit score can be improved by paying attention to minor details. Keep reading for more details to get affordable coverage and find hidden discounts.
2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple insurance companies. Click to view companies
3. Compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate quote, make sure there is no coverage gap between policies.
4. Provide notification to your current agent or company of your intention to cancel your current auto insurance policy and submit the completed application along with a down payment for the new coverage. When you receive it, safely store the certificate verifying coverage in a readily accessible location in your vehicle.

An important bit of advice to remember is that you'll want to compare similar deductibles and liability limits on each price quote and and to get price estimates from as many auto insurance providers as possible. This helps ensure the most accurate price comparison and the best price selection.

Sad but true, the vast majority of consumers renewed their policy with the same company for a minimum of four years, and almost half have never even shopped around for affordable coverage. With the average car insurance premium being $1,390, Santa Ana drivers could save themselves almost 35% a year by just shopping around, but they don't believe the rate savings if they switched to a cheaper policy.

It's a good habit to compare premium rates periodically because insurance prices fluctuate regularly. If you had the lowest quotes on Subaru Legacy insurance in Santa Ana a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you're about to learn how to quote online to save money, get proper coverage and the best rates.

The majority of larger companies allow you to get coverage price quotes on their websites. The process is easy for anyone as you simply enter the amount of coverage you want as detailed in the form. Upon sending the form, their quoting system orders your driving record and credit report and returns a price based on these factors.

Quoting online for Subaru Legacy insurance in Santa Ana makes it easy to compare insurance prices and it's also necessary to do this if you want to find a lower rate.

To save time and compare rates using this form now, compare rate quotes from the providers shown below. If you have coverage now, it's recommended you duplicate the limits and deductibles exactly as shown on your declarations page. This ensures you will receive a price comparison using the same coverage and limits.

The following companies offer free rate quotes in California. If more than one company is shown, we recommend you visit several of them to get a more complete price comparison.

Rates and statistics

The table below showcases detailed analysis of insurance policy prices for Subaru Legacy models. Being aware of how insurance prices are established can help customers make informed decisions when shopping around for a new policy.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in vehicle location which can impact coverage rates noticeably.

Rate comparison for different deductibles

One of the hardest decisions when shopping for insurance is how high should the physical damage deductibles be. The rates shown below outline the rate differences when you buy lower versus higher coverage deductibles. The first data table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in garaging location in Santa Ana which can decrease or increase premiums considerably.

Based on this data, using a $100 deductible will cost you roughly $33 more each month or $396 a year across all Subaru Legacy models than buying the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 12 months between claims, you would more than likely save some money if you choose a higher deductible.

The diagram below illustrates how your choice of deductibles and can influence Subaru Legacy premium costs for different ages of insureds. The data assumes a married female driver, comp and collision included, and no discounts are factored in.

Rate comparison of male drivers versus female drivers

The diagram below visualizes the comparison of Subaru Legacy annual premium costs for male and female drivers. The costs are based on no claims or driving citations, full physical damage coverage, $100 deductibles, single status, and no additional discounts are factored in.

Cost comparison with and without full coverage

The example below shows the comparison of Subaru Legacy car insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied.

Are you wasting money on full coverage?

There is no set guideline for dropping physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's say your Subaru Legacy replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after the deductible is paid. If premium cost is more than $700 a year for full coverage, then it could be time to drop full coverage.

There are a few cases where dropping full coverage is not a good plan. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Buying the right vehicle insurance in California is an important decision

Even though Santa Ana Legacy insurance rates can get expensive, insurance may be required for several reasons.

• Most states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability insurance if you don't want to risk a ticket. 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 have a lien on your Legacy, most banks will require you to have full coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Subaru at a much higher rate and force you to pay for the expensive policy.
• Insurance protects not only your vehicle but also your assets. It will also pay for many types of medical costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance definitely exceed the price paid, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays more than $855 a year so it's very important to do a rate comparison at least once a year to be sure current rates are still competitive.

Lower rate quotes by taking advantage of these seven discounts

Buying auto insurance is not cheap, but there are discounts available to reduce the price significantly. Many of these discounts will be applied automatically at the time of quoting, but some may not be applied and must be asked for before being credited.

• Save over 55 - If you're over the age of 55, you may qualify for better auto insurance rates.
• Multiple Policy Discount - If you can combine your home and auto policy and place coverage with the same company you could save approximately 10% to 15%.
• Discount for Life Insurance - Select insurance carriers reward you with better premium rates if you take out some life insurance in addition to your auto policy.
• Anti-lock Brake System - Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
• Seat Belt Discounts - Requiring all passengers to buckle up before driving could save 15% off the PIP or medical payment premium.
• Passive Restraints - Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
• Good Student - Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.

It's important to note that many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you could get a free auto insurance policy, it doesn't quite work that way.

The diagram below shows the difference between Subaru Legacy yearly insurance costs with and without discounts applied to the premium. The rates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, multi-policy, claim-free, and marriage discounts applied.

Some companies that may offer quotes with most of the discounts above are:

• GEICO
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

Check with all the companies how many discounts you can get. Some discounts may not apply to policies in Santa Ana. To see a list of insurance companies with discount rates in Santa Ana, click here.

Get rate quotes but buy from a local neighborhood Santa Ana car insurance agent

Certain consumers would rather visit with an insurance agent and we recommend doing that The biggest benefit of getting online price quotes is the fact that drivers can get the lowest rates and also buy local. Buying insurance from small agencies is important especially in Santa Ana.

After filling out this form (opens in new window), the quote information is immediately sent to participating agents in Santa Ana that can give you free Santa Ana auto insurance quotes and help you find cheaper coverage. You don't have to search for any insurance agencies because quoted prices will be sent immediately to you. You can get cheaper car insurance rates AND a local agent. If you wish to get a rate quote from a specific company, you would need to find their quoting web page and complete a quote there.

Choose the right auto insurance agent

If you are searching for a reliable insurance agent, it's important to understand the different types of agencies from which to choose. Car insurance policy providers are categorized either exclusive agents or independent agents.

Independent Agencies or Brokers

Agents of this type do not work for one specific company and that gives them the ability to insure amongst many companies and find you cheaper rates. If you want to switch companies, they can switch companies in-house and you stay with the same agent. If you need lower rates, you absolutely need to compare quotes from several independent insurance agents for the best price selection. Most can insure with smaller mutual companies which may have better rates.

The following are Santa Ana independent agents that may be able to give price quotes.

• All Century Insurance
  1200 W Warner Ave B - Santa Ana, CA 92707 - (714) 902-9777 - View Map
• Quality Plus Insurance Agency
  1450 N Tustin Ave # 221 - Santa Ana, CA 92705 - (714) 245-1200 - View Map
• Everett Callahan Insurance Agency, Inc
  1913 17th St - Santa Ana, CA 92705 - (714) 246-8976 - View Map

View more agents

Exclusive Insurance Agencies

Agents that elect to be exclusive are contracted to one company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive agents are highly trained on their company's products which helps overcome the inability to quote other rates. Consumers sometimes buy from the same agent for years primarily because of the prominence of the brand and strong financial ratings.

The following is a short list of exclusive insurance agencies in Santa Ana willing to provide rate quotes.

• Farmers Insurance - Daniel Canzone
  2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033 - View Map
• Farmers Insurance: Wendy Munoz
  2441 N Tustin Ave - Santa Ana, CA 92705 - (714) 550-1100 - View Map
• Farmers Insurance Agency: Blake Robbins
  3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934 - View Map

View more agents

Picking an car insurance agent should include more criteria than just a cheap price. Below are some questions you should ask.

• How many years of experience in personal auto insurance do they have?
• If you are a high risk driver, do they have special markets for your coverage?
• How much will you save each year by using a higher deductible?
• Are they giving you every discount you deserve?
• What are their preferred companies if they are an independent agency?
• Does the agent recommend any additional coverage?
• Do they offer accident forgiveness?
• Are they in the agency full-time?

Insurance coverage breakdown

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as X-ray expenses, doctor visits, funeral costs and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from 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 coverage pays for things like damage from flooding, hitting a bird and hail damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Subaru Legacy.

Because many people only purchase the least amount of liability that is required (California limits are 15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage - Collision coverage covers damage to your Legacy caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible on your Legacy to get cheaper collision coverage.

Liability auto insurance - Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn't cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 15/30/5 that translate to a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as pain and suffering, loss of income, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing better liability coverage.

The next chart shows why buying minimum limits may not be enough coverage.

Do the work, save more money

You just learned many ideas to compare Subaru Legacy insurance auto insurance rates in Santa Ana. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may even discover the biggest savings come from a lesser-known regional company.

Cheap Subaru Legacy insurance in Santa Ana can be bought on the web and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don't offer the ability to get quotes online and most of the time these smaller providers provide coverage only through independent agencies.

As you quote Santa Ana auto insurance, it's a bad idea to reduce coverage to reduce premium. In many cases, someone dropped physical damage coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

How to buy lower priced Subaru Legacy insurance in Santa Ana

Truthfully, the best way to find cheaper prices for Subaru Legacy insurance in Santa Ana is to start doing an annual price comparison from different companies who can sell car insurance in California. Drivers can shop around by following these steps.

• Step 1: Get an understanding of coverages and the steps you can take to prevent rate increases. Many risk factors that cause high rates like high-risk driving behaviors and a substandard credit history can be improved by making minor changes to your lifestyle.
• Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can provide price quotes from multiple insurance companies. View a list of agents
• Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on Legacy insurance in Santa Ana. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
• Step 4: Give proper notification to your current agent or company of your intent to cancel your current car insurance policy. Submit a completed application and payment to your new insurance company. Once coverage is bound, place the new certificate of insurance in an easily accessible location.

One important bit of advice is to compare similar deductibles and liability limits on each quote and and to get rates from as many auto insurance providers as possible. Doing this provides an apples-to-apples comparison and the best rate selection.

Additional information is located at these links:

• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Who Has Affordable Santa Ana Auto Insurance for Lyft Drivers? (FAQ)
• What is the Cheapest Auto Insurance in Santa Ana, CA? (FAQ)
• Who Has the Cheapest Santa Ana Car Insurance for Low Income Drivers? (FAQ)
• How Much is Santa Ana Auto Insurance for Drivers Over Age 70? (FAQ)
• How Much is Santa Ana Car Insurance for College Graduates? (FAQ)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Liability Insurance Coverage (Nationwide)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Five Mistakes to Avoid (Insurance Information Institute)