Subaru Legacy Insurance Quotes in Tampa

It’s an obvious assumption that insurance companies don’t want you to look for cheaper rates. Insureds who rate shop once a year are highly likely to switch companies because there is a significant possibility of finding a lower-priced company. A study showed that consumers who compared rates regularly saved over $3,450 over four years compared to other drivers who never shopped around for cheaper prices.

If finding the lowest price on Subaru Legacy insurance in Tampa is the reason you’re reading this, then having a good understanding how to get rate quotes and compare cheaper coverage can save time, money, and frustration.

Discount Subaru Legacy insuranceIt takes a few minutes, but the best way to find cheaper quotes for car insurance rates is to regularly compare price quotes from different companies who sell insurance in Tampa.

Step 1: Try to learn about the coverage provided by your policy and the steps you can take to drop your rates. Many factors that drive up the price like accidents, careless driving, and an unacceptable credit rating can be amended by making small lifestyle or driving habit changes. Later in this article we will cover tips to help prevent high rates and find discounts that may have been missed.

Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while agents who are independent can quote rates for a wide range of companies.

Step 3: Compare the new rates to your current policy and determine if cheaper Legacy coverage is available. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Provide written notification to your current company of your intention to cancel your current policy. Submit the completed application along with a down payment for the new policy. Once coverage is bound, put the new proof of insurance certificate above your visor, in the console, or in the glove compartment.

A tip to remember is that you use identical deductibles and limits on every quote and and to get price quotes from as many companies as you can. This enables a fair price comparison and a thorough selection of prices.

Buying the cheapest auto insurance in Tampa is not that difficult as long as you know where to start. If you currently have a car insurance policy, you will be able to lower your rates using the ideas covered in this article. Smart shoppers just have to know the quickest way to compare different rates over the internet.

What Determines Subaru Legacy Insurance Prices?

Lots of factors are used in the calculation when you get your auto insurance bill. A few of the factors are predictable like your driving record, but others are less apparent such as your marital status and annual miles driven.

The items below are some of the most rate-impacting factors that factor into your premiums.

Premium rates and analysis

The price information below highlights a range of insurance rates for Subaru Legacy models. Having a good understanding how rates are figured is important for you to make smart buying decisions.


Subaru Legacy Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $500 $656 $478 $28 $144 $1,806 $151
Legacy 2.5I Premium $500 $798 $478 $28 $144 $1,948 $162
Legacy 2.5I Premium $500 $798 $478 $28 $144 $1,948 $162
Legacy 3.6R Premium $552 $798 $478 $28 $144 $2,000 $167
Legacy 3.6R $552 $798 $478 $28 $144 $2,000 $167
Legacy 2.5I Limited $552 $798 $478 $28 $144 $2,000 $167
Legacy 2.5GT Premium $552 $940 $478 $28 $144 $2,142 $179
Legacy 3.6R Limited $552 $940 $478 $28 $144 $2,142 $179
Legacy 2.5 GT Limited $552 $940 $478 $28 $144 $2,142 $179
Legacy 2.5 GT Limited $552 $940 $478 $28 $144 $2,142 $179
Legacy 2.5 GT Limited $552 $940 $478 $28 $144 $2,142 $179
Get Your Own Custom Quote Go

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Estimates do not factor in zip code location which can affect coverage prices considerably.

Deductible analysis

One common question asked by Tampa drivers is where to set your physical damage deductibles. The premium rates below can help you understand the costs and benefits when you choose different physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.


Subaru Legacy insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $406 $446 $354 $20 $106 $1,357 $113
Legacy 2.5I Premium $406 $544 $354 $20 $106 $1,455 $121
Legacy 2.5I Premium $406 $544 $354 $20 $106 $1,455 $121
Legacy 3.6R Premium $446 $544 $354 $20 $106 $1,495 $125
Legacy 3.6R $446 $544 $354 $20 $106 $1,495 $125
Legacy 2.5I Limited $446 $544 $354 $20 $106 $1,495 $125
Legacy 2.5GT Premium $446 $640 $354 $20 $106 $1,591 $133
Legacy 3.6R Limited $446 $640 $354 $20 $106 $1,591 $133
Legacy 2.5 GT Limited $446 $640 $354 $20 $106 $1,591 $133
Legacy 2.5 GT Limited $446 $640 $354 $20 $106 $1,591 $133
Legacy 2.5 GT Limited $446 $640 $354 $20 $106 $1,591 $133
Get Your Own Custom Quote Go

Subaru Legacy insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $250 $280 $354 $20 $106 $1,010 $84
Legacy 2.5I Premium $250 $342 $354 $20 $106 $1,072 $89
Legacy 2.5I Premium $250 $342 $354 $20 $106 $1,072 $89
Legacy 3.6R Premium $276 $342 $354 $20 $106 $1,098 $92
Legacy 3.6R $276 $342 $354 $20 $106 $1,098 $92
Legacy 2.5I Limited $276 $342 $354 $20 $106 $1,098 $92
Legacy 2.5GT Premium $276 $402 $354 $20 $106 $1,158 $97
Legacy 3.6R Limited $276 $402 $354 $20 $106 $1,158 $97
Legacy 2.5 GT Limited $276 $402 $354 $20 $106 $1,158 $97
Legacy 2.5 GT Limited $276 $402 $354 $20 $106 $1,158 $97
Legacy 2.5 GT Limited $276 $402 $354 $20 $106 $1,158 $97
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in Tampa location which can increase or decrease rates substantially.

Based on this data, using a $250 deductible costs roughly $34 more each month or $408 each year than choosing the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 22 months between claims, you would save money if you elect the higher deductible.

Car insurance rates based on gender

The chart below shows the difference between Subaru Legacy annual premium costs for male and female drivers. The prices are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.

Lower-cost Subaru Legacy insurance rates in Tampa

Some insurers don’t always advertise the complete list of policy discounts very well, so the below list has both well-publicized as well as the least known discounts that you can inquire about if you buy Tampa auto insurance online.Cheaper insurance with discounts

We need to note that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, companies wouldn’t make money that way.

The diagram below shows the comparison of Subaru Legacy insurance costs with and without discounts applied. The data assumes a female driver, no accidents or driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, marriage, safe-driver, and homeowner discounts applied.

Auto insurance companies who might offer some of the discounts shown above are:

Check with every insurance company how you can save money. Some discounts might not apply in your state. If you would like to view insurance companies that offer discounts in Tampa, follow this link.

Persistent drivers can save

We just showed you a lot of information how to lower your Subaru Legacy insurance premium rates in Tampa. The key thing to remember is the more providers you compare, the better likelihood of getting affordable Subaru Legacy insurance quotes. Consumers may even find the best price on car insurance is with a small local company. Smaller companies can often provide lower prices in certain areas compared to the large companies like Progressive and GEICO.

More affordable car insurance in Tampa is attainable both online as well as from insurance agents, so you need to quote Tampa auto insurance with both to have the best selection. Some insurance companies may not provide rates over the internet and most of the time these small insurance companies prefer to sell through local independent agents.

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