Best Ways to Save on Chula Vista Subaru Legacy Insurance

Discount Subaru Legacy insuranceIf your goal is the lowest price, then the best way to get more affordable Subaru Legacy insurance in Chula Vista is to make a habit of comparing prices annually from companies that sell auto insurance in California.

A tip to remember is that you use the same coverage limits and deductibles on each price quote and and to get prices from as many carriers as you can. Doing this provides an apples-to-apples comparison and the most accurate and complete price analysis.

It’s well known that auto insurance companies don’t want their policyholders to compare prices. Consumers who shop for lower rates are likely to buy a new policy because they have good chances of finding more affordable rates. A recent survey revealed that people who make a habit of shopping around saved as much as $860 a year compared to those who didn’t regularly shop around.

If finding the best rates on insurance is your ultimate objective, learning how to choose a company and compare coverages can make it easier to find better rates.

Finding cheap Chula Vista insurance quotes can be relatively painless. The only thing you need to do is take time comparing free Chula Vista car insurance quotes to discover which company has affordable Subaru Legacy insurance quotes.

Doing online price quotes comparisons is so easy that it makes it a waste of time to drive around to insurance agents’ offices. The ability to quote Subaru Legacy insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the professional guidance that only an agent can give. It is possible to compare the best prices online and still use a local agent.

The companies shown below offer price comparisons in California. If you wish to find the best car insurance in Chula Vista, we suggest you visit several of them to get the best price comparison.

Insurance coverage details

The price information displayed next showcases detailed analysis of coverage prices for Subaru Legacy models. Being able to understand how insurance premiums are figured can assist in making smart choices when selecting a policy.


Subaru Legacy Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $478 $564 $376 $22 $112 $1,552 $129
Legacy 2.5I Premium $478 $686 $376 $22 $112 $1,674 $140
Legacy 2.5I Premium $478 $686 $376 $22 $112 $1,674 $140
Legacy 3.6R Premium $528 $686 $376 $22 $112 $1,724 $144
Legacy 3.6R $528 $686 $376 $22 $112 $1,724 $144
Legacy 2.5I Limited $528 $686 $376 $22 $112 $1,724 $144
Legacy 2.5GT Premium $528 $810 $376 $22 $112 $1,848 $154
Legacy 3.6R Limited $528 $810 $376 $22 $112 $1,848 $154
Legacy 2.5 GT Limited $528 $810 $376 $22 $112 $1,848 $154
Legacy 2.5 GT Limited $528 $810 $376 $22 $112 $1,848 $154
Legacy 2.5 GT Limited $528 $810 $376 $22 $112 $1,848 $154
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in specific zip code location which can decrease or increase premiums substantially.

Analysis of deductible levels

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The data tables below illustrate the cost difference between low and high coverage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.


Subaru Legacy insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $430 $472 $376 $22 $112 $1,437 $120
Legacy 2.5I Premium $430 $576 $376 $22 $112 $1,541 $128
Legacy 2.5I Premium $430 $576 $376 $22 $112 $1,541 $128
Legacy 3.6R Premium $474 $576 $376 $22 $112 $1,585 $132
Legacy 3.6R $474 $576 $376 $22 $112 $1,585 $132
Legacy 2.5I Limited $474 $576 $376 $22 $112 $1,585 $132
Legacy 2.5GT Premium $474 $678 $376 $22 $112 $1,687 $141
Legacy 3.6R Limited $474 $678 $376 $22 $112 $1,687 $141
Legacy 2.5 GT Limited $474 $678 $376 $22 $112 $1,687 $141
Legacy 2.5 GT Limited $474 $678 $376 $22 $112 $1,687 $141
Legacy 2.5 GT Limited $474 $678 $376 $22 $112 $1,687 $141
Get Your Own Custom Quote Go

Subaru Legacy insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $348 $382 $376 $22 $112 $1,240 $103
Legacy 2.5I Premium $348 $464 $376 $22 $112 $1,322 $110
Legacy 2.5I Premium $348 $464 $376 $22 $112 $1,322 $110
Legacy 3.6R Premium $384 $464 $376 $22 $112 $1,358 $113
Legacy 3.6R $384 $464 $376 $22 $112 $1,358 $113
Legacy 2.5I Limited $384 $464 $376 $22 $112 $1,358 $113
Legacy 2.5GT Premium $384 $546 $376 $22 $112 $1,440 $120
Legacy 3.6R Limited $384 $546 $376 $22 $112 $1,440 $120
Legacy 2.5 GT Limited $384 $546 $376 $22 $112 $1,440 $120
Legacy 2.5 GT Limited $384 $546 $376 $22 $112 $1,440 $120
Legacy 2.5 GT Limited $384 $546 $376 $22 $112 $1,440 $120
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in specific garaging location which can increase or decrease premium rates substantially.

Based on the above data, using a $250 deductible costs roughly $19 more each month or $228 a year across all Subaru Legacy models than quoting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 13 months between claim filings, you would come out ahead if you opt for a higher deductible.

The chart below highlights how deductible selection and can influence Subaru Legacy premium costs for different categories of driver ages. The premiums are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Do you need full coverage?

The information below shows the difference between Subaru Legacy insurance prices with and without full coverage. The price estimates are based on no claims, a clean driving record, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There isn’t a steadfast formula for phasing out full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s pretend your Subaru Legacy book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after you pay the deductible. If you are paying in excess of $500 annually to have full coverage, then you might want to consider buying only liability coverage.

There are some conditions where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Independent or exclusive auto insurance agents

A lot of people just want to sit down with an agent and we recommend doing that Professional agents are highly skilled in risk management and will help you if you have claims. One of the best bonuses of comparing car insurance online is that you can find lower rates and still choose a local agent. And supporting local agencies is important particularly in Chula Vista.

Insurance agency in Chula VistaAfter completing this simple form, your information is immediately sent to companies in Chula Vista who will give competitive quotes to get your business. You never need to leave your house because quoted prices will be sent straight to your inbox. If you need to get a comparison quote from a specific company, you would need to search and find their rate quote page and give them your coverage information.

If you want to buy car insurance from a local agent, there are a couple of different types of agents and how they can service your needs differently. Car insurance agents may be either independent or exclusive depending on the company they work for. Both types of agents can do a good job, but it’s good to learn the differences because it can factor into which type of agent you select.

Independent Car Insurance Agencies

Independent agencies often have many company appointments and that allows them to write policies with multiple insurance companies and find the cheapest car insurance rates. If you are not satisfied with one company, your agent can switch companies and that require little work on your part.

If you are comparing car insurance prices, we highly recommend that you compare quotes from at a minimum one independent agency for the best price selection.

Below is a list of independent agents in Chula Vista who may be able to give you free price quotes.

Robert Osorio Insurance
513 Windy WayChula Vista, CA 91914(619) 216-0991View Map


900 Lane Ave #128Chula Vista, CA 91914(619) 240-7164View Map


553 Telegraph Canyon RdChula Vista, CA 91910(800) 701-5909View Map

More Chula Vista agents

Exclusive Agents

Agents that elect to be exclusive normally can only provide a single company’s rates such as Allstate, State Farm and Farm Bureau. These agents are unable to compare rates from other companies so keep that in mind. These agents receive a lot of sales training on their company’s products which aids in selling service over price.

Shown below is a short list of exclusive agencies in Chula Vista that are able to give price quotes.


2060 Otay Lakes Rd Ste 240Chula Vista, CA 91915(619) 401-1104View Map


642 3rd Ave aChula Vista, CA 91910(619) 585-3484View Map


1105 Broadway #202Chula Vista, CA 91911(619) 420-7000View Map

More Chula Vista agents

Picking the best car insurance agent shouldn’t rely on just the price. Any agent in Chula Vista should have no problem answering these questions: