Car Insurance Rates for a Subaru Legacy in Jersey City

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Insurance quote for Subaru Legacy in Jersey CityIf you want to find the absolute lowest rates, then the best way to find affordable car insurance rates in Jersey City is to start doing a yearly price comparison from companies who sell auto insurance in New Jersey.

First, spend a few minutes and learn about coverages and the things you can control to prevent expensive coverage. Many things that cause rate increases like traffic citations and a substandard credit history can be rectified by making minor changes in your lifestyle. Read the full article for instructions to prevent high prices and find missing discounts.

Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can provide price quotes from multiple companies.

Third, compare the new rate quotes to your current policy to determine if you can save on Legacy insurance. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.

A valuable tip to remember is to try to use the same amount of coverage on each quote request and and to look at as many companies as you can. This helps ensure the most accurate price comparison and the best price selection.

Unbelievably, most consumers have bought insurance from the same company for well over three years, and about 40% of consumers have never compared rate quotes at all. Many consumers in Jersey City could save an average of about $720 each year, but they mistakenly think it's difficult to find lower-cost rates by getting comparison quotes.

If you are already insured or are just looking to switch companies, you can use this information to get lower rates and still have adequate protection. Obtaining price quotes for more affordable policy in Jersey City is not as confusing as people think. Drivers just need to use the most efficient way to compare insurance rates from multiple carriers.

Buy Jersey City Subaru Legacy insurance online

The car insurance companies shown below are ready to provide free quotes in Jersey City, NJ. If you want cheap car insurance in NJ, we recommend you click on several of them in order to find the most competitive rates.

Premium rates and analysis

The coverage information shown below outlines estimates of insurance costs for Subaru Legacy models. Having insight into how insurance prices are established can help drivers make decisions on which coverage to buy.

Subaru Legacy Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $402 $504 $462 $28 $138 $1,534 $128
Legacy 2.5I Premium $402 $614 $462 $28 $138 $1,644 $137
Legacy 2.5I Premium $402 $614 $462 $28 $138 $1,644 $137
Legacy 3.6R Premium $442 $614 $462 $28 $138 $1,684 $140
Legacy 3.6R $442 $614 $462 $28 $138 $1,684 $140
Legacy 2.5I Limited $442 $614 $462 $28 $138 $1,684 $140
Legacy 2.5GT Premium $442 $722 $462 $28 $138 $1,792 $149
Legacy 3.6R Limited $442 $722 $462 $28 $138 $1,792 $149
Legacy 2.5 GT Limited $442 $722 $462 $28 $138 $1,792 $149
Legacy 2.5 GT Limited $442 $722 $462 $28 $138 $1,792 $149
Legacy 2.5 GT Limited $442 $722 $462 $28 $138 $1,792 $149
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in vehicle location which can lower or raise premium rates substantially.

Auto insurance deductibles

One common question asked by Jersey City drivers is how high should the physical damage deductibles be. The tables below may help to illustrate the rate differences when you buy lower versus higher deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Subaru Legacy insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $520 $614 $408 $24 $122 $1,713 $143
Legacy 2.5I Premium $520 $746 $408 $24 $122 $1,845 $154
Legacy 2.5I Premium $520 $746 $408 $24 $122 $1,845 $154
Legacy 3.6R Premium $574 $746 $408 $24 $122 $1,899 $158
Legacy 3.6R $574 $746 $408 $24 $122 $1,899 $158
Legacy 2.5I Limited $574 $746 $408 $24 $122 $1,899 $158
Legacy 2.5GT Premium $574 $880 $408 $24 $122 $2,033 $169
Legacy 3.6R Limited $574 $880 $408 $24 $122 $2,033 $169
Legacy 2.5 GT Limited $574 $880 $408 $24 $122 $2,033 $169
Legacy 2.5 GT Limited $574 $880 $408 $24 $122 $2,033 $169
Legacy 2.5 GT Limited $574 $880 $408 $24 $122 $2,033 $169
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Subaru Legacy insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $288 $324 $408 $24 $122 $1,166 $97
Legacy 2.5I Premium $288 $394 $408 $24 $122 $1,236 $103
Legacy 2.5I Premium $288 $394 $408 $24 $122 $1,236 $103
Legacy 3.6R Premium $318 $394 $408 $24 $122 $1,266 $106
Legacy 3.6R $318 $394 $408 $24 $122 $1,266 $106
Legacy 2.5I Limited $318 $394 $408 $24 $122 $1,266 $106
Legacy 2.5GT Premium $318 $464 $408 $24 $122 $1,336 $111
Legacy 3.6R Limited $318 $464 $408 $24 $122 $1,336 $111
Legacy 2.5 GT Limited $318 $464 $408 $24 $122 $1,336 $111
Legacy 2.5 GT Limited $318 $464 $408 $24 $122 $1,336 $111
Legacy 2.5 GT Limited $318 $464 $408 $24 $122 $1,336 $111
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Information does not factor in zip code location which can decrease or increase premium rates substantially.

We can derive from the above data that using a $100 deductible could cost the average driver approximately $54 more each month or $648 annually averaged for all Legacy models than requesting the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 17 months between claims, you would probably be better off if you choose the higher deductible.

Does full coverage make sense?

The information below compares Subaru Legacy insurance prices with full physical damage coverage compared to only buying liability only. The data assumes no claims, a clean driving record, $500 deductibles, marital status is single, and no other discounts are factored in.

Are you wasting money paying for full coverage?

There is no set rule for phasing out physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's pretend your Subaru Legacy replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying more than $200 a year to have full coverage, then it might be time to buy liability only.

There are some scenarios where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

It's not one size fits all

When quoting and choosing the best insurance coverage, there really is no best way to insure your cars. Your situation is unique and a cookie cutter policy won't apply.Safe vehicles cost less to insure These are some specific questions might help in determining if your situation may require specific advice.

  • Is my nanny covered when driving my vehicle?
  • Do I have coverage when making deliveries for my home business?
  • Is there a penalty for late payment?
  • Are combined or split liability limits better?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is UM/UIM insurance?
  • Does car insurance cover theft of personal property?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Getting quotes from local Jersey City car insurance agents

Certain consumers would rather buy from a licensed agent and that is just fine! Professional insurance agents can help you build your policy and will help you if you have claims. An additional benefit of comparing insurance prices online is that you can find cheaper rates but still work with a licensed agent. And supporting small agencies is important particularly in Jersey City.

Find insurance agent in Jersey CityOnce you complete this simple form, your coverage information is sent to local insurance agents who will gladly provide quotes for your insurance coverage. You won't even need to leave your house since price quotes are sent immediately to your email address. If you wish to get a price quote from a specific auto insurance provider, you can always search and find their rate quote page and submit a quote form there.

When researching a reputable agency, you must know there are a couple types of insurance agents and how they can quote your rates. Agents in Jersey City can either be independent (non-exclusive) or exclusive. Both types of agents can sell auto insurance policies, but it's worth mentioning why they differ because it can impact your selection of an agent.

Independent Auto Insurance Agents (or Brokers)

Independent insurance agents do not have single company limitations and that enables them to quote your coverage with lots of companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply move your policy to a different company and you don't have to switch agencies. If you are comparing auto insurance prices, it's recommended you get quotes from several independent agencies to maximize your price options. Most independent agents also contract with smaller mutual companies which can save you money.

Below are independent agencies in Jersey City that can give you pricing information.

  • Preferred Choice Insurance Agency
    225 Newark Ave - Jersey City, NJ 07302 - (201) 616-7644 - View Map

  • 155 Martin Luther King Dr B - Jersey City, NJ 07305 - (201) 451-3200 - View Map

  • 2330 John F. Kennedy Blvd - Jersey City, NJ 07304 - (201) 435-4300 - View Map

More Jersey City agents

Exclusive Insurance Agents

Agents in the exclusive channel have only one company to place business with such as American Family, State Farm, and Allstate. They generally cannot compare rates from other companies so it's a take it or leave it situation. Exclusive agencies are very knowledgeable on what they offer which helps offset the inability to provide other markets. Consumers often buy from the same agent for years partially due to the brand name and the convenience of having all coverages with one company.

The following is a list of exclusive agents in Jersey City who can help you get price quotes.

More Jersey City agents

Finding the right insurance agency should depend on more than just a cheap quote. Any agent in Jersey City should be willing to answer these questions.

  • Does the agency have a good rating with the Better Business Bureau?
  • Where would your vehicle be repaired?
  • When do they do a full risk review?
  • How is replacement cost determined on your vehicle?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

Best car insurance in New Jersey

Insuring your vehicle with the best car insurance company is difficult considering how many companies are available to choose from in Jersey City. The company information shown below may help you pick which auto insurance companies you want to consider putting your business with.

Top Car Insurance Companies in New Jersey
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies