How Much Does 2003 Subaru Forester Insurance Cost?

Comparison shopping for more affordable Driversauto insurance could be quite difficult for drivers who have little experience buying insurance online. Consumers have so many choices that it can easily be more work than you anticipated to find better prices.

Get lower-cost rates by taking advantage of discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specifically requested prior to getting the savings. If you don’t get every credit available, you are paying more than you should be.

  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
  • No Accidents – Insureds who avoid accidents and claims pay less as compared to insureds who have frequent claims or accidents.
  • Military Rewards – Being on active deployment in the military may qualify for rate reductions.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.
  • Resident Student – living away from home attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Good Drivers – Accident-free drivers can pay as much as 50% less on Forester insurance than drivers with accidents.
  • Discount for Home Ownership – Owning a home can save a few bucks because owning a home requires a higher level of personal finance.
  • Club Memberships – Having an affiliation with a professional or civic organization is a simple method to lower premiums when getting a car insurance quote.
  • Senior Citizen Discount – If you’re over the age of 55, you are able to get better insurance rates on Forester insurance.
  • Low Mileage – Keeping the miles down on your Subaru could earn lower prices due to less chance of an accident.

Remember that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

A few of the larger companies and some of their more popular discounts can be found below.

  • American Family offers discounts for mySafetyValet, TimeAway discount, good driver, accident-free, Steer into Savings, air bags, and early bird.
  • Farm Bureau policyholders can earn discounts including multi-policy, safe driver, youthful driver, renewal discount, driver training, and good student.
  • State Farm offers premium reductions for driver’s education, good driver, multiple autos, defensive driving training, good student, Steer Clear safe driver discount, and accident-free.
  • Travelers has discounts for early quote, continuous insurance, hybrid/electric vehicle, IntelliDrive, and new car.
  • The Hartford may include discounts for vehicle fuel type, driver training, air bag, defensive driver, anti-theft, and good student.
  • Geico offers discounts including air bags, emergency military deployment, multi-vehicle, driver training, anti-lock brakes, and membership and employees.
  • Progressive may offer discounts for multi-vehicle, good student, continuous coverage, multi-policy, and homeowner.

If you need low cost car insurance quotes, ask each insurance company which discounts they offer. Discounts might not be available to policyholders in your area. If you would like to view companies with significant discounts, click here.

How to compare auto insurance price quotes

There are multiple methods you can shop for auto insurance but one way is less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance companies in your area, or you can stay home and use online quoting to get the quickest rates.

Many companies participate in an industry program that enables customers to enter their coverage request one time, and at least one company can provide price quotes for coverage. This system prevents you from having to do quote requests to every company.

To find out what other companies charge click here to open in new window.

The single downside to getting quotes like this is you are unable to specify which providers you want to price. So if you want to choose specific providers to request quotes from, we have assembled a list of auto insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but try to use equivalent quote data for every quote you compare. If you have different deductibles you will not be able to make an equal comparison. Slightly different coverages may cause a big price difference. Keep in mind that comparing a wide range of rates helps locate more affordable rates. Some companies don’t provide rate quotes online, so it’s important to compare price estimates from those companies as well.

Subaru Forester insurance rate factors

Many things are considered when quoting car insurance. Some are obvious such as your driving record, but others are more obscure such as whether you are married and annual miles driven.The best way to find cheaper auto insurance is to take a look at the factors that come into play when calculating your auto insurance rates. If you have some idea of what determines premiums, this enables you to make decisions that could help you find lower auto insurance prices.

The factors shown below are a few of the “ingredients” auto insurance companies consider when setting your rates.

  • How many miles do you drive? – The higher the miles on your Subaru in a year the more you’ll pay to insure your vehicle. The majority of insurers charge rates based upon how you use the vehicle. Vehicles that do not get driven very much qualify for better rates than vehicles that have high annual mileage. Verify your vehicle rating is rated on the correct usage. Improper usage on your Forester may be wasting your money.
  • Liability protection safeguards assets – A critical coverage on your policy, liability insurance provides coverage if ever you are found to be at fault for causing personal injury or damage in an accident. Liability provides for a legal defense to defend your case. Liability is cheap compared to comp and collision, so buy as much as you can afford.
  • Your car’s features help determine prices – Selecting a car model that has an advanced theft prevention system can help bring down rates. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft.
  • City dwellers may pay more – Residing in a small town can save you money when it comes to auto insurance. Lower population means fewer accidents in addition to lower liability claims People who live in big cities have more aggressive driving styles and more time behind the wheel. More time on the road can result in more accidents.
  • Discounts for auto and home policies – Some auto insurance companies apply a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be ten percent or more. If you currently are using one company, drivers will still want to get quotes from other companies to guarantee you are still saving the most.

How much auto insurance do I need?

When buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions could help you determine whether you might need professional guidance.

  • Am I covered if I hit a deer?
  • Why does it cost so much to insure a teen driver?
  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to a rental car in a foreign country?
  • Is my cargo covered for damage or theft?
  • What vehicles should carry emergency assistance coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my teen driver covered when they drive my company car?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Do drivers who switch really save $475 a year?

Big name companies like State Farm, Geico and Progressive regularly use ads on television and other media. All the ads convey the message about saving some big amount if you switch your insurance coverage coverage to their company. How does every company make almost identical claims? This is how they do it.

Most companies quote their cheapest rates for the driver they prefer to insure. One example of a desirable risk should be a married female, has no claims, and drives a lower-performance vehicle. A customer that hits that “sweet spot” will most likely get cheap car insurance rates and will also save money with a new company.

Consumers who do not fit this ideal profile will see higher rates which translates to business not being written. The ads state “drivers who switch” not “all people who quote” save the amount stated. This is how insurance companies can confidently advertise the way they do. This really emphasizes why you need to get car insurance quotes as often as possible. Because without a comparison, you cannot know which insurance coverage company will provide you with the cheapest premium rates.

Parts of your car insurance policy

Knowing the specifics of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement.

Collision coverage

This coverage pays for damage to your Forester from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a deer, fire damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage will cover damage that occurs to people or other property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims such as medical expenses, funeral expenses, legal defense fees, pain and suffering and emergency aid. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like funeral costs, X-ray expenses, prosthetic devices, hospital visits and EMT expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Buy online or local, you save

Lower-priced 2003 Subaru Forester insurance can be found on the web and from local insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not provide internet price quotes and many times these regional carriers only sell through local independent agencies.

Drivers switch companies for a number of reasons such as unfair underwriting practices, not issuing a premium refund, an unsatisfactory settlement offer or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new company can be easier than you think.

When searching for inexpensive car insurance quotes, don’t be tempted to buy less coverage just to save a little money. In many instances, an accident victim reduced liability coverage limits only to find out that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

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