Auto Insurance Rates for a Subaru Legacy in Raleigh

Want to save money and find lower-priced auto insurance rates in Raleigh, NC? Raleigh consumers have lots of choices when looking for low-cost Subaru Legacy insurance. They can either spend hours driving around to compare prices or save time using the internet to get rate quotes.

There is a better way to buy auto insurance so you’re going to learn the absolute fastest way to get price quotes for a Subaru and locate the lowest price from Raleigh insurance agents and online providers.

Getting a cheaper price on insurance is not a difficult process. All that’s required is to take a couple of minutes comparing rates online from several insurance companies.

The following companies are ready to provide free rate quotes in North Carolina. To get the best cheap auto insurance in NC, it’s a good idea that you visit as many as you can to get a more complete price comparison.

Statistics and details

The rate table displayed next outlines different insurance policy prices for Subaru Legacy models. Being able to understand how premiums are calculated is important for making smart choices when selecting a coverage provider.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in specific garaging location which can affect insurance rates noticeably.

Affordable rates on Subaru Legacy insurance in Raleigh with these discounts

Companies do not advertise the complete list of policy discounts in a way that’s easy to find, so we took the time to find both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

• Discounts for Federal Employees – Active or retired federal employment could qualify for a slight premium decrease with certain companies.
• New Vehicle Savings – Adding a new car to your policy can get you a discount due to better safety requirements for new vehicles.
• Safety Course Discount – Taking part in a driver safety course could earn you a small percentage discount if you qualify.
• Braking Control Discount – Vehicles that have anti-lock braking systems can avoid accidents and will save you 10% or more on Legacy insurance in Raleigh.
• Professional Organizations – Being in a qualifying organization can get you a small discount on your policy.
• Pay Upfront and Save – If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
• Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings as much as 30%.

As is typical with insurance, many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you aren’t that lucky.

The example below compares Subaru Legacy insurance premiums with and without discounts being applied to the rates. The data assumes a male driver, no accidents, no driving violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, homeowner, multi-policy, and safe-driver discounts applied.

Large auto insurance companies and a selection of discounts can be found below.

• American Family may have discounts that include defensive driver, good student, mySafetyValet, multi-vehicle, and air bags.
• Farm Bureau offers discounts including driver training, multi-policy, 55 and retired, safe driver, and youthful driver.
• State Farm offers premium reductions for student away at school, anti-theft, defensive driving training, good driver, safe vehicle, Steer Clear safe driver discount, and multiple autos.
• Travelers has discounts for early quote, continuous insurance, new car, student away at school, driver training, payment discounts, and multi-car.
• The Hartford policyholders can earn discounts including vehicle fuel type, air bag, bundle, defensive driver, driver training, good student, and anti-theft.
• GEICO discounts include defensive driver, five-year accident-free, membership and employees, multi-policy, air bags, and good student.
• Progressive offers discounts for multi-vehicle, online quote discount, continuous coverage, multi-policy, online signing, and homeowner.

If you want cheaper Raleigh car insurance quotes, ask each company the best way to save money. Some credits might not be offered everywhere.

Car insurance does more than just protect your car

Even though it’s not necessarily cheap to insure a Subaru in Raleigh, insurance may be required and benefits you in several ways.

First, the majority of states have mandatory liability insurance requirements which means the state requires a specific level of liability coverage in order to get the vehicle licensed. In North Carolina 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 vehicle has a lienholder, most banks will force you to have insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Subaru at a much higher rate and force you to reimburse them for the much more expensive policy.

Third, car insurance preserves not only your Subaru Legacy but also your assets. It will also reimburse you for medical transport and hospital expenses incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially when you need to use it. According to a recent study, the average American driver is currently overpaying as much as $820 a year so smart consumers compare quotes at every renewal to be sure current rates are still competitive.

Do I need special coverages?

When choosing your policy for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your insurance should be unique as well.
For instance, these questions might point out if your insurance needs may require specific advice.

• Do I need roadside assistance coverage?
• Do I have coverage if I rent a car in Mexico?
• Do I pay less if my vehicle is kept in my garage?
• Can I use my car for my catering business?
• Should I put collision coverage on all my vehicles?
• Am I getting all the discounts available?
• Am I covered if I back into my garage door?
• Is coverage enough to protect my assets?
• Is pleasure use cheaper than using my Subaru Legacy to commute?
• If I drive on a suspended license am I covered?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Local neighborhood agents and insurance

Many people still like to visit with an insurance agent. Most agents can help determine the best coverages and help you file claims. A nice benefit of comparing insurance prices online is that you can obtain lower rates and also buy local. Buying from and supporting neighborhood agents is especially important in Raleigh.

To make it easy to find an agent, after completing this quick form, your information is immediately sent to companies in Raleigh who will give you quotes for your coverage. You won’t even need to contact any insurance agencies due to the fact that quote results will go directly to you. If you need to compare prices from a specific company, don’t hesitate to go to their quote page and fill out the quote form the provide.

If you want to use a reliable insurance agent, it helps to know the two types of insurance agents and how they can quote your rates. Raleigh agents are either exclusive or independent. Both can write insurance policies, but it is important to understand the subtle differences since it could factor into buying decisions.

Independent Insurance Agents

Agents of this type can quote rates with many companies so they can write business amongst many companies and possibly get better coverage at lower prices. If premiums increase, the agent simply finds a different carrier and you can keep the same agent. If you need cheaper insurance rates, you need to include rate quotes from several independent insurance agents to have the best price comparison. Many can place coverage with smaller mutual companies that can offer cheaper rates than bigger companies.

Featured below are Raleigh independent agencies that can possibly get you free price quotes.

• Blackmon Insurance Agency of North Carolina, Inc.
  4280 Louisburg Rd – Raleigh, NC 27604 – (919) 875-8500 – View Map
• Carolina Capital Insurance Group
  1100 Logger Ct., Bldg. D-101 – Raleigh, NC 27609 – (919) 747-9002 – View Map
• Nationwide Insurance: Snotherly Ins Agency Inc
  2308 Wake Forest Rd – Raleigh, NC 27608 – (919) 832-5832 – View Map

View more Raleigh agents

Exclusive Agents

Agents in the exclusive channel write business for a single company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. Exclusive agencies are usually quite knowledgeable on what they offer which helps offset the inability to provide other markets. A lot of people buy insurance from these agents mostly because of the prominent brand name rather than having the cheapest rates.

Listed below is a list of exclusive insurance agencies in Raleigh that are able to give price quote information.

• Anthony Sykes – State Farm Insurance Agent
  4030 Wake Forest Rd Ste 106 – Raleigh, NC 27609 – (919) 850-0560 – View Map
• Alex Burt – State Farm Insurance Agent
  3021 Berks Way #102 – Raleigh, NC 27614 – (919) 435-1417 – View Map
• Suzanne Wilson – State Farm Insurance Agent
  8961 Harvest Oaks Dr #205 – Raleigh, NC 27615 – (919) 870-1413 – View Map

View more Raleigh agents

Finding the right insurance agent shouldn’t rely on just the price. Here are some questions to ask:

• Are all drivers listed on the coverage quote?
• When do they do a full risk review?
• How are they compensated?
• Do they offer rental car reimbursement?
• Do you need full coverage on every vehicle?
• How will an accident affect your rates?