How many times have you said it’s time to compare more competitive Subaru Legacy insurance in Tucson? Finding the cheapest insurance for a Subaru Legacy in Arizona could be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to shop for insurance and we’ll show you the proper way to price shop coverage on a Subaru and get the cheapest rates.
Car insurance providers offering low-cost rate quotes in Arizona
The companies shown below offer free rate quotes in Arizona. If your goal is to find the cheapest auto insurance in Tucson, AZ, we recommend you visit two to three different companies in order to find the most affordable rates.
Rates and statistics
The table below outlines different insurance coverage prices for Subaru Legacy models. Having a better understanding of how premiums are figured can help you make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Legacy 2.5I | $280 | $362 | $332 | $20 | $100 | $1,094 | $91 |
| Legacy 2.5I Premium | $280 | $442 | $332 | $20 | $100 | $1,174 | $98 |
| Legacy 2.5I Premium | $280 | $442 | $332 | $20 | $100 | $1,174 | $98 |
| Legacy 3.6R Premium | $308 | $442 | $332 | $20 | $100 | $1,202 | $100 |
| Legacy 3.6R | $308 | $442 | $332 | $20 | $100 | $1,202 | $100 |
| Legacy 2.5I Limited | $308 | $442 | $332 | $20 | $100 | $1,202 | $100 |
| Legacy 2.5GT Premium | $308 | $520 | $332 | $20 | $100 | $1,280 | $107 |
| Legacy 3.6R Limited | $308 | $520 | $332 | $20 | $100 | $1,280 | $107 |
| Legacy 2.5 GT Limited | $308 | $520 | $332 | $20 | $100 | $1,280 | $107 |
| Legacy 2.5 GT Limited | $308 | $520 | $332 | $20 | $100 | $1,280 | $107 |
| Legacy 2.5 GT Limited | $308 | $520 | $332 | $20 | $100 | $1,280 | $107 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in your specific Tucson location which can change premium rates significantly.
The example below illustrates how your deductible choice and can influence Subaru Legacy insurance premiums for each different age group. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are applied.
Get cheaper Subaru Legacy insurance in Tucson with discounts
Some companies don’t always list the entire discount list in a way that’s easy to find, so the list below details some of the more common as well as some of the hidden credits available to lower your premiums when you buy Tucson auto insurance online. If you check and find you aren’t receiving every discount possible, you are just wasting money.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life insurance policy as well.
- Military Deployment Discount – Being on active duty in the military could mean lower prices.
- Multiple Policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company they may give you a discount of 10% to 20% off each policy.
- Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- Seat Belt Usage – Requiring all passengers to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft so companies will give you a small discount.
- No Claim Discounts – Claim-free drivers pay much less compared to accident-prone drivers.
As a footnote on discounts, some credits don’t apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you can get free auto insurance, that’s just not realistic.
The chart below illustrates the comparison of Subaru Legacy insurance premiums with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, claim-free, and multi-policy discounts applied.
To see a list of insurance companies that offer some of these discounts in Arizona, follow this link.
Buying from insurance agencies
A lot of people still like to talk to an insurance agent and doing so can bring peace of mind Professional insurance agents can help determine the best coverages and help file insurance claims. One of the best bonuses of getting free rate quotes online is that drivers can save money and get cheap car insurance rates and still choose a local agent.
After completing this short form, your coverage information is transmitted to agents in your area who will give you quotes and help you find cheaper coverage. You don’t have to drive around because quoted prices will be sent directly to you. In the event you want to compare prices from one company in particular, you would need to find their quoting web page and complete a quote there.
Choosing the best insurer is decision based upon more than just a cheap price. Before buying a policy in Tucson, get answers to these questions.
- Are they giving you every discount you deserve?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they reduce claim amounts on high mileage vehicles?
- Can they provide you with a list of referrals?
- What are the financial ratings for the companies they represent?
- If your car is in the repair shop, do you have coverage for a rental car?
When researching a local Tucson insurance agency, it’s important to understand the different agency structures that differ in how they can insure your vehicles. Car insurance agencies are considered either independent or exclusive depending on the company they work for. Both can write car insurance policies, but it’s good to learn the difference between them since it can affect your selection of an agent.
Exclusive Agencies
Exclusive insurance agents can only provide one company’s prices such as State Farm, Allstate, or Farmers Insurance. They generally cannot provide other company’s prices so keep that in mind. They receive a lot of sales training in insurance sales which can be an advantage. Some people will only choose to use a exclusive agent mostly because of loyalty to the company and strong financial ratings.
Below is a short list of exclusive insurance agencies in Tucson who can help you get price quotes.
- Gene Molina – State Farm Insurance Agent
2160 W Holladay St – Tucson, AZ 85746 – (520) 883-1500 – View Map - Tim Heffentrager – State Farm Insurance Agent
116 S Kolb Rd – Tucson, AZ 85710 – (520) 296-7181 – View Map - Julie Burnett – State Farm Insurance Agent
6590 E Tanque Verde Rd B – Tucson, AZ 85715 – (520) 885-2321 – View Map
Independent Agents
Independent insurance agents often have many company appointments so they can insure your vehicles through lots of different companies and get you the best rates possible. If premiums increase, they simply move your policy to a different company and you don’t have to switch agencies. When comparing car insurance prices, you need to get rate quotes from a couple of independent agencies to have the best price comparison. Many independent agencies also insure through small mutual carriers which could offer lower prices.
Below is a list of independent insurance agents in Tucson that can give you rate quotes.
- Allied Insurance Group
2424 E Broadway Blvd # 114 – Tucson, AZ 85719 – (520) 918-2886 – View Map - Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900 – View Map - Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488 – View Map
Once you have answers to your satisfaction to these questions and a good coverage price, you’ve probably found an insurance agency that meets the requirements to adequately provide car insurance. It’s important to know that policyholders can cancel your coverage whenever you want so never feel that you’re stuck with any specific agency for any length of time.
Shop smart and save
Consumers change insurance companies for any number of reasons including questionable increases in premium, unfair underwriting practices, high prices and even denial of a claim. It doesn’t matter why you want to switch finding a new car insurance company can be easy and end up saving you some money.
Lower-priced Subaru Legacy insurance in Tucson can be purchased online and from local agencies, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer rate quotes online and many times these small insurance companies only sell through independent insurance agents.
As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. In many cases, drivers have reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.
Steps to finding cheaper rates for Subaru Legacy insurance in Tucson
If saving the most money is your goal, then the best way to get more affordable Subaru Legacy insurance in Tucson is to compare prices regularly from insurance carriers who sell insurance in Arizona.
- Take a few minutes and learn about car insurance and the measures you can control to prevent high rates. Many rating criteria that cause high rates such as at-fault accidents and a lousy credit rating can be rectified by improving your driving habits or financial responsibility.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while agents who are independent can quote rates from many different companies.
- Compare the new rates to your current policy premium and see if you can save money. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
One thing to point out is to try to use identical coverages on every quote request and and to get prices from as many different insurance providers as possible. Doing this enables the most accurate price comparison and a thorough selection of prices.
To learn more, feel free to browse the following helpful articles:
- Tools for Teen Driving Safety (State Farm)
- How Much are Tucson Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- What Does No-Fault Insurance Cover? (Allstate)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- What is Gap Insurance? (Insurance Information Institute)