How to Compare Aurora Subaru Legacy Insurance

Finding better insurance prices for your Subaru Legacy in Colorado could be difficult, but you can use the following methods to save time. There is a better way to find auto insurance online and we’ll show you the absolute fastest way to get price quotes on a Subaru and find the lowest price from Aurora insurance agents and online providers.

The providers in the list below offer price quotes in Colorado. If your goal is to find cheap auto insurance in CO, we recommend you visit as many as you can in order to find the cheapest rates.

Verify you’re earning every discount

Insurance is not an enjoyable expense, but you might find some hidden discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be asked for before you get the savings. If you do not check that you are getting every discount possible, you’re just leaving money on the table.

• Pay Now and Pay Less – By making one initial payment instead of making monthly payments you may reduce your total bill.
• Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims prior to being involved in the accident.
• Driver Training Discounts – Participating in a class that teaches driver safety techniques could cut 5% off your bill and also improve your driving technique.
• Accident-Free Discounts – Aurora drivers who stay claim-free can save substantially when compared to drivers with a long claim history.
• Telematics Data – Drivers that enable their insurance company to spy on their driving habits remotely like Allstate’s Drivewise might get better premium rates if they show good driving skills.
• Federal Government Employee – Federal government employees could cut as much as 10% off with some insurance companies.

You should keep in mind that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.

The chart below visualizes the comparison of Subaru Legacy car insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no claims or driving citations, Colorado state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, claim-free, safe-driver, and homeowner discounts applied.

A partial list of companies that have most of the discounts above include:

• State Farm
• GEICO
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you are trying to find affordable Subaru Legacy insurance quotes, ask each company or agent which discounts can lower your rates. Depending on the company, some discounts might not be offered everywhere. To find insurance companies that offer many of these discounts in Aurora, click here.

Rates and other information

The information shown next showcases detailed analysis of insurance coverage prices for Subaru Legacy models. Being aware of how auto insurance policy rates are determined is important for drivers to make smart choices when selecting a coverage provider.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in vehicle location which can impact price quotes substantially.

The illustration below demonstrates how deductible levels and can impact Subaru Legacy insurance rates for different ages of insureds. The information is based on a single male driver, comp and collision included, and no policy discounts are applied.

How to find a good Colorado auto insurance company

Finding a good quality insurance company can be rather challenging considering how many different companies insure vehicles in Aurora. The rank data below could help you analyze which providers to look at when comparing rate quotes.

Top 10 Aurora Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. Allstate – 88%
9. 21st Century – 88%
10. The General – 88%

Top 10 Aurora Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. AAA Insurance
7. State Farm
8. Nationwide
9. Safeco
10. Esurance

Choices You Make Can Impact Your Insurance Prices

Many different elements are used in the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, but others are more transparent like where you live and annual miles driven.

The following are some of the items utilized by car insurance companies to help set premiums.

Too many insurance claims and you’ll pay more – Companies in Colorado provide cheaper rates to policyholders who do not file claims often. If you are a frequent claim filer, you can expect increased rates or even have your policy non-renewed. Your insurance policy is designed for the large, substantial claims.

Choose high safety ratings and save – Safe vehicles tend to have better insurance rates. Highly rated vehicles reduce occupant injuries and better occupant protection means less claims paid passed on to you as lower rates. If the Subaru Legacy scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

Rates and your address – Living in less populated areas of the country has it’s advantages if you are looking for the lowest rates. Less people means a lower chance of having an accident in addition to lower liability claims. People in densely populated areas tend to have traffic congestion and more time behind the wheel. More time behind the wheel means more chances of being involved in an auto accident.

Tickets can increase prices – Drivers with clean records pay lower auto insurance prices as compared to those with violations. Having a single speeding ticket can increase the cost of insurance twenty percent or more. People who have serious tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.

The information below demonstrates how traffic citations and accident claims can influence Subaru Legacy insurance prices for different age groups. The data is based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

Subaru Legacy statistical loss data – Companies factor in insurance loss information to determine a price that will be profitable for them. Vehicles that tend to have a trend towards higher claim severity or frequency will have higher rates. The table below demonstrates the loss history for Subaru Legacy vehicles.

For each type of coverage, the claim probability for all vehicles compiled together is represented as 100. Numbers under 100 represent a good loss history, while values over 100 indicate more frequent losses or statistically larger losses.