1998 Subaru Forester Insurance Cost

Did a good deal turn into an overpriced insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse. Many car insurance companies compete to insure your vehicles, so it’s not easy to compare every provider to discover the definitive cheapest price

It’s a good idea to get comparison quotes on a regular basis because insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal on Forester coverage a year ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re going to learn one of the quickest ways to find lower rates on insurance.

If you have a current insurance coverage policy or are just looking to switch companies, you can use these techniques to find better prices and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to know how to compare company rates over the internet.

Lower rate quotes with discounts

Companies offering auto insurance do not advertise all their discounts very clearly, so we researched both the well known and the harder-to-find ways to save on auto insurance.

  • Full Payment Discount – By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
  • Military Rewards – Being on active deployment in the military could trigger a small discount.
  • Defensive Driving Course – Taking part in a defensive driver course could cut 5% off your bill if you qualify.
  • Home Ownership Discount – Owning a house can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Braking Control Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get discounted premium rates on garaged vehicles.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts could save 15% off PIP or medical payments premium.
  • Paper-free Discount – A handful of insurance companies will give you a small discount for buying your policy on the internet.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic.

Popular auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Progressive has discounts for online signing, homeowner, good student, continuous coverage, multi-vehicle, and online quote discount.
  • Farmers Insurance offers discounts including teen driver, multi-car, homeowner, electronic funds transfer, good student, alternative fuel, and youthful driver.
  • Farm Bureau includes discounts for 55 and retired, youthful driver, driver training, good student, and renewal discount.
  • State Farm offers discounts for Drive Safe & Save, passive restraint, safe vehicle, good student, Steer Clear safe driver discount, and good driver.
  • Geico discounts include federal employee, military active duty, anti-theft, multi-vehicle, anti-lock brakes, good student, and seat belt use.
  • SAFECO may include discounts for teen safe driver, drive less, safe driver, multi-car, and anti-lock brakes.
  • Liberty Mutual has savings for preferred payment discount, newly retired, hybrid vehicle, new move discount, new vehicle discount, and newly married.

Double check with each insurance company the best way to save money. Depending on the company, some discounts might not be offered in every state. For a list of companies that offer some of these discounts, click this link.

Compare insurance rate quotes

There are a variety of methods to shop for insurance, and some are more efficient than others. You could waste time talking to insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many of the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and each participating company returns a rated price based on the submitted data. This saves time by eliminating quotation requests for each company.

To compare pricing click to open in new window.

The one downside to using this type of system is you cannot specify which insurance companies to get pricing from. So if you want to select individual companies for rate comparison, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but try to keep the exact same quote information for each quote you get. If you enter different limits and deductibles on each one it will be next to impossible to decipher which rate is best.

Eight things that determine your insurance costs

Many factors are used when you get a price on insurance. Some of the criteria are obvious like an MVR report, although some other factors are not quite as obvious like where you live or your vehicle rating.

The list below includes some of the most common factors companies use to determine your rate level.

  • How much liability insurance do you need? – Your insurance policy’s liability coverage is the protection in the event that you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to comp and collision, so buy as much as you can afford.
  • Men pay higher costs – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that females are better drivers. They both get in auto accidents at about the same rate, but the males have accidents that have higher claims. They also get higher numbers of serious violations such as reckless driving.
  • Credit score impacts rates – Having a bad credit rating factor in calculating your insurance rates. People with excellent credit tend to be better drivers and file fewer claims as compared to drivers with bad credit. Therefore, if your credit score can use some improvement, you could potentially save money when insuring your 1998 Subaru Forester by taking the time to improve your credit score.
  • Expect high rates for teens – More experienced drivers are more cautious drivers, cost insurance companies less in claims and get fewer tickets.Drivers with little experience are statistically shown to be more careless in a vehicle so they pay higher insurance rates.
  • Safer vehicles are cheaper to insure – Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety reduce occupant injuries and lower injury rates translates directly to fewer claims and more competitive rates for policyholders.
  • Is you job costing you more? – Occupations like lawyers, architects and emergency personnel tend to have higher premiums than the average policyholder in part from job stress and lots of time spent away from family. Other professions such as actors, students and homemakers have the lowest average rates on Forester coverage.
  • Married people drive safer – Walking down the aisle may cut your premiums on your insurance policy. Having a spouse usually means you are more mature and responsible and statistics prove married drivers get in fewer accidents.
  • Cautious drivers have lower prices – Your driving record influences premium rates substantially. Drivers who don’t get tickets get better rates compared to drivers with tickets. Even a single speeding ticket could increase your next policy renewal forty percent or more. Drivers with license-revoking citations like DUI, reckless driving or excessive speeding might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to continue driving.

What is the best insurance coverage coverage?

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • Can I get a multi-policy discount?
  • Does insurance cover damages from a DUI accident?
  • Does medical payments coverage apply to all occupants?
  • When should I drop full coverage on my 1998 Subaru Forester?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my camper covered by my car insurance policy?
  • Exactly who is provided coverage by my policy?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Specifics of your insurance policy

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses such as dental work, prosthetic devices, X-ray expenses and EMT expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This coverage provides protection from damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like loss of income, funeral expenses, legal defense fees, attorney fees and medical services. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, vandalism, a tree branch falling on your vehicle and falling objects. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door, colliding with another moving vehicle, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1998 Subaru Forester.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Get your money’s worth

Budget-conscious 1998 Subaru Forester insurance can be bought from both online companies and from local insurance agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies do not provide online quoting and usually these smaller companies provide coverage only through independent agents.

As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

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