2002 Subaru Forester Car Insurance Rates – 9 Policy Discounts

Want the cheapest car insurance rates for your Subaru Forester? Are you tired of trying to scrape together enough money to pay high car insurance rates every month? You’re in the same situation as most other consumers. Consumers have so many insurance companies to buy insurance from, and although it’s nice to be able to choose, lots of choices makes it harder to find the best rates.

Pricing affordable insurance coverage is quite easy. If you have a current insurance policy or are looking for a new policy, you will benefit by learning to cut your premiums and still get good coverage. Drivers just need to learn the best way to get comparison quotes online.

Don’t overlook these nine insurance discounts

Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts that you may not even know about. Certain reductions will be credited at the time you complete a quote, but some need to be specially asked for before you get the savings.

  • Federal Government Employee – Active or former government employment can earn a discount up to 10% on Forester insurance depending on your company.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Homeowners Pay Less – Simply owning a home can get you a discount because it requires a higher level of personal finance.
  • Save with a New Car – Buying a new car instead of a used car can be considerably cheaper since newer models are generally safer.
  • Drivers Ed for Students – Require your teen driver to sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks get insurance online.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Driver Safety – Successfully completing a class that teaches defensive driver techniques could save 5% or more and also improve your driving technique.
  • Passive Restraint Discount – Factory options such as air bags can get savings of 20% or more.

Don’t be shocked that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Some of the larger companies that may offer quotes with most of these discounts are:

When getting a coverage quote, ask each company which credits you are entitled to. All car insurance discounts might not be offered in your area. To see insurers that offer some of these discounts, follow this link.

How to get auto insurance quotes

Most major insurance companies like Geico, State Farm and Progressive provide prices from their websites. This process is very simple as all you need to do is type in the amount of coverage you want into a form. After you submit the form their system automatically orders information on your driving record and credit history and returns a price based on the data you entered. Being able to quote online streamlines rate comparisons, but the work required to visit multiple sites and type in your information is not the best way to spend an afternoon. But it’s also necessary to have as many quotes as possible if you want to find a better rate.

Keep reading for an easier way to compare prices

The smarter way to lower your rates makes use of a single form that gets price quotes from a bunch of companies at once. It’s a real time-saver, requires less work, and makes rate comparisons much more enjoyable. After sending your information, it is rated and you are able to buy your choice of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. It takes just a few minutes to complete and may result in a nice savings.

To use this form to compare rates, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you copy the limits and deductibles as shown on your current policy. This way, you will receive a fair comparison based on similar coverages.

When to get professional advice

When choosing the best insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether you may require specific advice.

  • What is the ISO rating for a 2002 Subaru Forester?
  • Why am I required to get a high-risk car insurance policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Should I have combined single limit or split liability limits?
  • Why do I need rental car insurance?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Insurance coverage considerations

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as ambulance fees, funeral costs, surgery, dental work and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Subaru Forester.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages – This can cover damage or injury you incur to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as legal defense fees, loss of income, medical services, structural damage and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as much as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverages – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, vandalism and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be Smart and Buy Smart

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There are too many instances where an insured cut physical damage coverage only to discover later that they should have had better coverage. Your goal is to find the BEST coverage for the lowest price while still protecting your assets.

Lower-priced car insurance is definitely available on the web and from local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies don’t offer online quoting and usually these smaller providers prefer to sell through independent insurance agencies.

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