Hi,
You can't check polarity with a multi meter on the signal. You would have to look at it with an O-scope. What you could do is follow the wire back to the source and see if you can identify the polarity there.
Also, Oplitic is correct about the signal not having high feqs to deal with, if the signal is wired out specifically from a system that has a sub output. The crossover would be internal to the source at that point.
However, if the signal is coming from a stock system and you are trying to break out the low freqs there will be a crossover somewhere in line. There has to be.
Another thing to be careful of with a stock system is that sometimes they use a common return. That makes things kind of of interesting when adding equipment.
I do presume that if you are adding a sub, that you are not using a simple stock or cheap source.