Save Money on Subaru Legacy Insurance in Milwaukee

Trying to find low-cost insurance for a Subaru Legacy in Wisconsin can normally be an all-consuming task, but you can follow our insurance buying tips to find lower rates. There is a right way and a wrong way to compare insurance rates and you need to know the quickest way to compare rates for your Subaru and obtain the lowest possible price.

You should take the time to compare prices before your next renewal since insurance prices are usually higher with each renewal. Even if you think you had the best quotes on Subaru Legacy insurance in Milwaukee a few years ago other companies may now be cheaper. You’ll find a ton of advice on Legacy insurance out there, but by reading this article, you’re going to learn some of the best techniques to slash your insurance rates in Milwaukee.

The cheapest Milwaukee Subaru Legacy insurance price quotes

The companies shown below offer quotes in Milwaukee, WI. If multiple companies are shown, it’s highly recommended you visit two to three different companies to get the lowest price.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in vehicle location which can impact insurance rates greatly.

Car insurance deductibles

When shopping for car insurance, a common question is how high should the physical damage deductibles be. The data tables below can help illustrate the costs and benefits when you buy lower versus higher physical damage coverage deductibles. The first data set uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect auto insurance rates noticeably.

We can estimate from the data above that using a $250 deductible will cost you approximately $20 more each month or $240 annually than quoting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 38 months between claims, you would come out ahead if you choose the higher deductible.

Rate comparison of males versus females

The chart below visualizes the comparison of Subaru Legacy annual premium costs for male and female drivers. The data is based on no violations or accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are applied.

Insurance is not optional

Despite the fact that insurance is not cheap in Milwaukee, maintaining insurance may be mandatory for several reasons.

• Most states have minimum liability requirements which means you are required to buy a specific level of liability in order to drive the car. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Subaru has a lien holder, it’s guaranteed your bank will make it mandatory that you carry insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Subaru at a much higher rate and require you to fork over much more than you were paying before.
• Insurance preserves your car and your assets. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of an accident. If your Subaru gets damaged, collision and comprehensive coverages will cover the repair costs.

The benefits of carrying adequate insurance more than offset the price you pay, particularly for liability claims. According to a recent study, the average American driver is overpaying more than $825 a year so shop around each time the policy renews to be sure current rates are still competitive.

Auto insurance policy discounts for Subaru Legacy insurance in Milwaukee

Not too many consumers would say auto insurance is affordable, but there could be significant discounts that can dramatically reduce your bill. Some discounts will apply at the time you complete a quote, but a few must be asked about prior to getting the savings.

• Home Ownership Discount – Owning a house in Milwaukee can save you money because maintaining a house is proof of financial responsibility.
• Multi-line Discount – Larger companies have a small discount if you purchase life insurance.
• Organization Discounts – Joining certain professional organizations may earn a discount on your bill.
• Student in College – Youth drivers who are enrolled in a college that is more than 100 miles from Milwaukee and do not take a car to college can be insured at a reduced rate.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.

As a sidenote, most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will definitely reduce the premium cost.

If you would like to choose from a list of insurance companies who offer online Subaru Legacy insurance quotes in Milwaukee, click here to view.

Can’t I get rate quotes from local Milwaukee insurance agencies?

A small number of people just prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Agents can help you build your policy and give you someone to call. One of the great benefits of comparing car insurance online is that you can find the lowest rates and still choose a local agent.

To make it easy to find an agent, after completing this short form, the quote information is sent to companies in Milwaukee who will give you bids for your coverage. It makes it easy because there is no need to leave your computer due to the fact that quote results will go to you. In the event you want to compare prices from a specific company, feel free to visit that company’s website and give them your coverage information.

Choosing an provider is decision based upon more than just the price. Below are some questions you should ask.

• Will the quote change when the policy is issued?
• Will their companies depreciate repairs to your car based on the mileage?
• Does the agency have a positive business rating?
• Do they assist clients in filing claims?
• Which family members are covered?
• Which insurance company do they prefer to write with?
• Does the agency provide any after hours assistance?
• What are their preferred companies if they are an independent agency?

When researching a reliable insurance agent, it’s important to understand the different types of agencies and how they differ in how they quote coverages. Agents are classified as either exclusive or independent (non-exclusive). Either one can sell car insurance policies, but it’s important to point out how they differ since it can affect your selection of an agent.

Exclusive Insurance Agencies

These type of agents can usually just insure with one company such as American Family, State Farm, and Allstate. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on what they offer and that can be a competitive advantage. Drivers often buy from the same agent for years mainly due to the brand rather than low rates.

Listed below are exclusive agencies in Milwaukee that are able to give price quote information.

• Allstate Insurance: Andrew J. McCabe
  4010 N Oakland Ave – Milwaukee, WI 53211 – (414) 961-1166 – View Map
• American Family Insurance – Paul Rathkamp
  11805 W Hampton Ave – Milwaukee, WI 53225 – (414) 438-1515 – View Map
• American Family Insurance – Baiio Marchan
  3647 S Chase Ave – Milwaukee, WI 53207 – (414) 744-2192 – View Map

View more Milwaukee agents

Independent Agents

These agents often have affiliation with several companies so they have the ability to put coverage with a variety of different insurance companies enabling the ability to shop coverage around. If they quote lower rates, they simply move the coverage in-house and you can keep the same agent.

If you need lower rates, you need to check rates from independent agents for maximum quote selection. Many can place coverage with smaller companies that may have much lower rates than larger companies.

Listed below are independent agencies in Milwaukee that are able to give comparison quotes.

• Wesley Insurance
  5600 W Center St – Milwaukee, WI 53210 – (414) 873-4500 – View Map
• Dale G Latus Insurance
  5232 W Oklahoma Ave # 215 – Milwaukee, WI 53219 – (414) 352-1118 – View Map
• Billy Brown Insurance
  715 Milwaukee St – Delafield, WI 53018 – (262) 646-8252 – View Map

View more Milwaukee agents

When should I discuss my situation with an agent?

When buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

• How long can I keep a teen driver on my policy?
• How can I get high-risk coverage after a DUI?
• Is rental equipment covered for theft or damage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Should I have a commercial auto policy?
• Can I get by with minimal medical coverage if I have good health insurance?
• Should I buy additional glass protection?
• Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

One last note

As you restructure your insurance plan, never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

Some insurance providers may not offer online price quotes and many times these small insurance companies sell through independent insurance agents. Low-cost Subaru Legacy insurance in Milwaukee is attainable from both online companies in addition to local insurance agencies, so compare prices from both to have the best selection.

Throughout this article, we presented a lot of techniques to save on Subaru Legacy insurance in Milwaukee. The key thing to remember is the more you quote Milwaukee auto insurance, the better your comparison will be. Drivers may even discover the lowest priced car insurance comes from some of the smallest insurance companies.

For more information, take a look at these articles:

• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• How Much are Car Insurance Rates for Drivers with Accidents in Milwaukee? (FAQ)
• Who Has Cheap Milwaukee Auto Insurance Quotes for Uber Drivers? (FAQ)
• What Car Insurance is Cheapest for a Subaru Forester in Milwaukee? (FAQ)
• How Much are Car Insurance Rates for Lyft Drivers in Milwaukee? (FAQ)
• Side Impact Crash Tests (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Institute)