Have you had enough of not being able to scrape enough together to pay high auto insurance rates every month? You are in the same boat as many other Illinois consumers.
Sad but true, about 70% of customers have purchased from the same company for over three years, and almost half have never taken the time to shop around. U.S. consumers could save themselves as much as $860 a year, but they just don’t understand the big savings they would realize if they replace their high priced policy.
You have so many insurers to pick from, and though it is a good thing to have a selection, it can be more challenging to find the best rates for Subaru Legacy insurance in Chicago.
Locating the best rates in Chicago seems hard but is not really that difficult. If you have insurance now, you will definitely be able to shop for the lowest rates using the ideas presented in this article. But Illinois car owners must know the methods companies use to set your policy premium and use this information to your advantage.
Do you qualify for these six discounts?
Auto insurance companies don’t always publicize every discount they offer very clearly, so we took the time to find some of the best known and also the lesser-known discounts that you can inquire about if you buy Chicago car insurance online.
- ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
- Use Seat Belts – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Buy New and Save – Putting insurance coverage on a new Legacy may earn a small discount because new vehicles have to meet stringent safety requirements.
- Auto/Life Discount – Larger auto insurance companies have lower auto insurance rates if you buy life insurance from them.
- Senior Citizens – If you qualify as a senior citizen, you are able to get a slight reduction on a Chicago car insurance quote.
- Telematics Data Discounts – Insureds that choose to allow their insurance company to study their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they show good driving skills.
Remember that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.
Large auto insurance companies and their possible discounts are included below.
- State Farm discounts include passive restraint, accident-free, good driver, good student, driver’s education, and defensive driving training.
- Nationwide may offer discounts for easy pay, business or organization, anti-theft, defensive driving, family plan, and good student.
- GEICO offers discounts including multi-policy, emergency military deployment, membership and employees, daytime running lights, air bags, defensive driver, and military active duty.
- AAA has savings for AAA membership discount, anti-theft, education and occupation, multi-car, and pay-in-full.
- 21st Century may have discounts that include teen driver, good student, homeowners, driver training, and air bags.
- The Hartford may include discounts for anti-theft, bundle, driver training, defensive driver, vehicle fuel type, good student, and air bag.
Check with all companies you are considering which credits you are entitled to. Discounts might not be offered on policies in Chicago.
It’s important to know that having more price comparisons helps increase your odds of locating lower pricing. Not every company does online Chicago Legacy insurance quotes, so it’s necessary to compare prices from them, too.
The following companies are ready to provide free rate quotes in Illinois. If multiple companies are listed, we recommend you get rate quotes from several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Legacy 2.5I Premium||$198||$310||$288||$18||$86||$900||$75|
|Legacy 2.5I Premium||$174||$262||$300||$18||$90||$844||$70|
|Legacy 3.6R Premium||$148||$220||$250||$14||$76||$708||$59|
|Legacy 2.5I Limited||$134||$182||$214||$12||$64||$606||$51|
|Legacy 2.5GT Premium||$240||$392||$232||$14||$70||$948||$79|
|Legacy 3.6R Limited||$268||$468||$250||$14||$76||$1,076||$90|
|Legacy 2.5 GT Limited||$220||$316||$226||$14||$68||$844||$70|
|Legacy 2.5 GT Limited||$206||$298||$228||$14||$68||$814||$68|
|Legacy 2.5 GT Limited||$280||$400||$222||$14||$66||$982||$82|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in your specific Chicago location which can change coverage prices greatly.
Where to set your deductibles
The example below demonstrates how deductibles and can change Subaru Legacy annual premium costs for each different age category. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Safe drivers pay less for auto insurance
The example below demonstrates how citations and fender-benders impact Subaru Legacy insurance prices for different age groups. The premiums are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied.
Insurance agents near you
Some people would prefer to have an agent’s advice and that is not a bad decision The biggest benefit of comparing rates online is you may find cheap car insurance quotes and also buy local.
After filling out this simple form, the quote information gets sent to insurance agents in Chicago who want to provide quotes for your business. There is no need to search for any insurance agencies because quoted prices will be sent to you. You’ll get the best rates without a big time investment. If you need to get a rate quote from a specific car insurance provider, you would need to search and find their rate quote page and give them your coverage information.
Choosing the best company requires more thought than just a cheap quote. Any agent in Chicago should be forthright in answering these questions:
- Do you need full coverage on every vehicle?
- How does the company pay claims for a total loss?
- Do you qualify for any additional discounts?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is there a 24/7 contact number?
- Do they assist clients in filing claims?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are all drivers listed on the coverage quote?
Types of car insurance agents in Chicago
If you need to find a reliable agent, you must know there are a couple different types of agencies and how they can service your needs differently. Agents in Chicago can be categorized as either exclusive or independent.
Exclusive Car Insurance Agents
These agents normally can only provide a single company’s rates such as Allstate, State Farm and Farmers Insurance. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agencies are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates.
The following are exclusive agents in Chicago willing to provide price quote information.
Independent Car Insurance Agencies
Independent agencies do not sell for just one brand and that enables them to quote your coverage with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can just switch to a different company and that require little work on your part. If you are comparing car insurance prices, you absolutely need to get some free quotes from several independent insurance agents to get the most accurate price comparison.
The following is a list of independent agencies in Chicago who can help you get comparison quotes.
Car insurance 101
Knowing the specifics of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by car insurance companies.
Comprehensive (Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like vandalism, a broken windshield and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Subaru Legacy.
Since a lot of drivers have only the minimum liability required by law (which is 20/40/15), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Collision coverage – This will pay to fix damage to your Legacy from colliding with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a building, colliding with another moving vehicle, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible on your Legacy to get cheaper collision coverage.
Liability car insurance – This will cover damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 20/40/15 that translate to a limit of $20,000 per injured person, a total of $40,000 of bodily injury coverage per accident, and a limit of $15,000 paid for damaged property.
Liability coverage protects against things like bail bonds, legal defense fees, medical services and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Illinois state minimum liability requirements are 20/40/15 but drivers should carry more liability than the minimum.
Medical expense insurance – Med pay and PIP coverage pay for immediate expenses such as hospital visits, nursing services and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
The best insurance company isn’t always the cheapest
When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced full coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.
You just read some good ideas how you can get a better price on Subaru Legacy insurance in Chicago. The most important thing to understand is the more times you quote, the better likelihood of getting low cost Chicago car insurance quotes. Consumers may even find the lowest rates are with some of the lesser-known companies. These smaller insurers may only write in your state and offer lower auto insurance rates than their larger competitors like State Farm, GEICO and Nationwide.
Some car insurance companies don’t offer price quotes online and usually these small insurance companies work with independent agencies. Affordable Subaru Legacy insurance in Chicago is definitely available online and from local agencies, and you need to price shop both to have the best rate selection.
More information is located at the links below
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- What Car Insurance is Cheapest for Hybrid Vehicles in Chicago? (FAQ)
- How Much are Car Insurance Rates for Drivers Requiring a SR22 in Chicago? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Auto Insurance Facts and Statistics (Insurance Information Institute)