Compare Subaru Legacy Insurance Rates in Omaha

There isn’t anyone who likes buying insurance, especially when they could lower their rates if they shopped around.

A recent insurance study discovered that nearly 70% of drivers kept their policy with the same company for over three years, and almost half have never taken the time to shop around. Most drivers in Omaha can save approximately 30% each year just by getting comparison quotes, but they mistakenly think it’s difficult to do a rate comparison.

Steps to finding cheaper Subaru Legacy insurance in Omaha

It takes a little time, but the best way to get budget Subaru Legacy insurance in Omaha is to regularly compare quotes from companies that sell auto insurance in Nebraska.

1. Try to learn a little about what is in your policy and the factors you can control to keep rates low. Many policy risk factors that cause high rates like at-fault accidents, careless driving, and a negative credit score can be improved by improving your driving habits or financial responsibility. Keep reading for tips to get lower rates and find available discounts that you may qualify for.
2. Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO and State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers. Find an Omaha insurance agent
3. Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you find better rates and switch companies, verify that coverage does not lapse between policies.
4. Notify your current company to cancel your current car insurance policy. Submit the application along with any required down payment for your new coverage. As soon as you can, place the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

An important bit of advice to remember is to use identical coverages on every quote request and and to look at as many companies as feasibly possible. This ensures an apples-to-apples comparison and a complete price analysis.

Big companies like State Farm, Allstate, GEICO and Progressive all claim big savings with catchy ads and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.

If you have a current insurance policy or just want cheaper rates, you can use these techniques to buy cheaper insurance while maximizing coverage. Locating the best rates in Omaha is much easier if you have a good place to start. Comparison shoppers just have to use the most time-saving way to quote multiple rates using one simple form.

All the larger insurance companies give coverage price quotes from their websites. The process doesn’t take much effort as you just enter the amount of coverage you want on the page. After the form is submitted, the quote system pulls your driving record and credit report and generates a price determined by many factors. Quoting online for Subaru Legacy insurance in Omaha makes comparing rates easy, and it’s absolutely necessary to perform this step in order to get the best rate.

To find out how much you’re overpaying now, take a look at the companies shown below. If you currently have coverage, we recommend you copy coverages and limits exactly as shown on your declarations page. Doing this guarantees you are getting an apples-to-apples comparison for exact coverage.

The auto insurance companies shown below can provide quotes in Omaha, NE. If you wish to find cheap car insurance in Omaha, we recommend you visit as many as you can in order to get a fair rate comparison.

Rate information and statistics

The coverage table below covers a range of coverage costs for Subaru Legacy models. Having a better understanding of how premiums are formulated can help guide drivers when making informed decisions.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in vehicle location which can decrease or increase price quotes considerably.

Deductible comparison

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The figures shown below lay out the costs and benefits between high and low deductibles. The first price estimate table uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in specific zip code location which can change insurance rates significantly.

Based on the above data, using a $100 deductible costs roughly $34 more each month or $408 annually than selecting the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 26 months between claims, you would save more money if you elect the higher deductible.

The example below shows how different deductible levels and can increase or decrease Subaru Legacy premium costs for each different age category. The information is based on a married male driver, full coverage, and no discounts are applied to the premium.

Cost comparison with and without full coverage

The illustration below shows the comparison of Subaru Legacy insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The price estimates are based on no claims or violations, $100 deductibles, drivers are not married, and no discounts are applied.

When to drop comprehensive and collision

There is no set rule of when to exclude physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s say your Subaru Legacy replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your deductible. If you are paying in excess of $400 a year for physical damage coverage, then it could be time to drop full coverage.

There are some conditions where dropping full coverage is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

Here’s why auto insurance is not optional

Even though it’s not necessarily cheap to insure a Subaru in Omaha, insuring your vehicle is required by state law in Nebraska and it also provides benefits you may not be aware of.

• Most states have minimum mandated liability insurance limits which means the state requires specific limits of liability insurance in order to drive the car. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Legacy, it’s guaranteed your bank will force you to have physical damage coverage to protect their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Subaru at a significantly higher premium and force you to reimburse them much more than you were paying before.
• Insurance protects both your assets and your Subaru Legacy. It will also provide coverage for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of an accident. If you have damage to your Subaru as the result of the weather or an accident, your policy will pay to repair the damage.

The benefits of having insurance more than offset the price you pay, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is overpaying over $830 a year so shop around at every renewal to be sure current rates are still competitive.

You Can Change Your Insurance Costs

Many different elements are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving record, but some are more obscure such as your credit history or how financially stable you are. Consumers need to have an understanding of the factors that help determine the price you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that could result in cheaper rates.

• Eliminate unneeded incidental coverages – There are a ton of extra add-on coverages that you can get tricked into buying when buying insurance. Insurance for things like personal injury protection, high-cost glass coverage, and motor club memberships are probably not needed. The coverages may be enticing initially, but if they’re wasting money remove them and pocket the money.
• Rural vs Urban Areas – Having an address in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. Fewer drivers on the road means reduced accidents and lower theft and vandalism rates. Residents of big cities regularly have much more traffic and longer commute times. The longer drive time means higher likelihood of an accident.
• Liability limits on your policy – Your policy’s liability coverage provides coverage if you are found liable for an accident. Your policy’s liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Safer vehicles cost less to insure – Vehicles that have high safety ratings get lower rates. The safest vehicles have better occupant injury protection and fewer serious injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.
• Stress out and pay more – Did you know your job can affect your rates? Occupations such as real estate brokers, police officers, and dentists usually pay higher rates than average due to intense work situations and long work days. Conversely, professions such as farmers, athletes and performers receive lower rates.

• Gender matters – Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that males are worse at driving than females. Males and females cause at-fault accidents at about the same rate, but the male of the species have accidents that have higher claims. In addition to higher claims, males also have more aggressive citations like DUI and reckless driving.

  The information below compares Subaru Legacy insurance costs for male and female drivers. The information is based on no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

• Raising coverage deductibles lowers rates – Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your Subaru. A few examples of covered claims are a dented fender, damage caused by hail, and damage from a fallen tree branch. The deductibles you choose define the amount you are willing to pay out-of-pocket if you file a covered claim. The more you’re willing to pay, the better rate you will receive.

• Insurance losses for a Subaru Legacy – Insurance companies analyze historical claim data to calculate a rate that offsets possible losses. Models that the data determines to have higher losses will have a higher cost to insure. The next table shows the collected loss data for Subaru Legacy vehicles.

  For each policy coverage, the claim probability for all vehicles as a whole is represented as 100. Percentage numbers below 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate higher probability of having a loss or an increased probability of a larger loss.

  
  

  Insurance Loss Ratings for Subaru Legacy Vehicles

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Subaru Legacy 4WD	74	64	115	83	80	76
  Subaru Legacy with Eyesight 4WD	71	52	122	71

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Do I need special coverages?

When it comes to buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

• I have good health insurance, so how much medical payments coverage do I need?
• Does my policy pay for OEM or aftermarket parts?
• How high should my uninsured/underinsured coverage be in Nebraska?
• What is the difference between personal and commercial auto insurance policies?
• Does my personal policy cover me when driving out-of-state?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered when driving on a suspended license?
• Am I better off with higher deductibles on my Subaru Legacy?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Which auto insurance company is best in Nebraska?

Selecting the right insurer can be challenging considering how many companies there are to choose from in Nebraska. The information in the next section can help you select which coverage providers to look at when looking for cheaper rates.

Top 10 Omaha Car Insurance Companies Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Allstate
7. Safeco Insurance
8. 21st Century
9. Travelers
10. Titan Insurance

Top 10 Omaha Car Insurance Companies Ranked by Customer Service

1. Mercury Insurance
2. Nationwide
3. State Farm
4. Safeco Insurance
5. American Family
6. Titan Insurance
7. Travelers
8. Liberty Mutual
9. GEICO
10. Allstate

Smart shoppers get results

We just showed you some good ideas how to lower your Subaru Legacy insurance rates in Omaha. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest rates are with the smaller companies.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, drivers have reduced uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Low-cost Subaru Legacy insurance in Omaha is available both online and from local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer the ability to get quotes online and these smaller providers only sell through independent insurance agencies.

How to buy cheaper Subaru Legacy insurance in Omaha

The easiest way to get low-cost Subaru Legacy insurance in Omaha is to compare prices annually from insurance carriers in Nebraska.

• Step 1: It will benefit you to learn about how insurance works and the measures you can control to keep rates down. Many things that drive up the price like traffic tickets, fender benders, and a substandard credit score can be eliminated by improving your driving habits or financial responsibility.
• Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and State Farm, while independent agents can provide price quotes from multiple insurance companies.
• Step 3: Compare the new quotes to the premium of your current policy and see if you can save money. If you find a lower rate quote, ensure coverage does not lapse between policies.
• Step 4: Provide adequate notice to your current company of your decision to cancel your current coverage and submit payment and a completed application to your new carrier. Immediately place the new certificate verifying coverage in a readily accessible location in your vehicle.

A crucial key to this process is to try to use the same amount of coverage on each price quote and and to look at as many different companies as possible. Doing this guarantees an apples-to-apples comparison and a thorough selection of prices.

Helpful information

• Should I Buy a New or Used Car? (Allstate)
• Who Has Affordable Omaha Car Insurance Quotes for 16 Year Olds? (FAQ)
• How Much is Auto Insurance for a GMC Sierra in Omaha? (FAQ)
• Who Has Cheap Omaha Auto Insurance for Unemployed Drivers? (FAQ)
• Auto Insurance Basics (Insurance Information Institute)
• How to Avoid Common Accidents (State Farm)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Child Safety Seats (Insurance Information Institute)