2010 Subaru Forester Car Insurance Rates – 7 Savings Tips

Shoppers have options when shopping for the best price on Subaru Forester insurance. They can either waste time driving around getting price quotes or leverage the internet to get rate quotes. There are both good and bad ways to buy car insurance and we’ll show you the absolute fastest way to get price quotes for a Subaru and get the best price possible either online or from local insurance agents.

Insurance coverage policy discounts

Some providers do not list every discount in a way that’s easy to find, so the following is a list of some of the more common and also the lesser-known discounts that you may qualify for.

  • Organization Discounts – Being in a professional or civic organization could trigger savings on your bill.
  • Safe Drivers – Safe drivers can save up to 40% or more on their insurance quote on Forester coverage than their less cautious counterparts.
  • E-sign Discounts – Some companies will give a small break for buying your policy on your computer.
  • Good Grades Discount – This discount may save you up to 25%. This discount can apply up until you turn 25.
  • One Accident Forgiven – Not necessarily a discount, but some companies like Progressive and Allstate will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Telematics Devices – Insureds that choose to allow their insurance coverage company to spy on driving habits by using a telematics device like Allstate’s Drivewise could see a rate decrease if they exhibit good driving behavior.
  • Switch and Save Discount – A few companies allow discounts for renewing your policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.

It’s important to note that most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A few popular companies and the discounts they provide are detailed below.

  • State Farm may offer discounts for Steer Clear safe driver discount, multiple policy, multiple autos, good student, defensive driving training, and good driver.
  • Farmers Insurance may have discounts that include alternative fuel, bundle discounts, pay in full, switch companies, good student, and multi-car.
  • Progressive discounts include good student, online quote discount, multi-vehicle, homeowner, online signing, multi-policy, and continuous coverage.
  • Geico offers premium reductions for military active duty, anti-theft, air bags, federal employee, driver training, and good student.
  • Auto-Owners Insurance offers discounts including anti-lock brakes, multiple vehicles, air bags, multi-policy, teen driver, and good student.
  • The Hartford includes discounts for vehicle fuel type, driver training, air bag, good student, and bundle.
  • Farm Bureau offers discounts for renewal discount, youthful driver, 55 and retired, safe driver, multi-vehicle, driver training, and good student.
  • USAA has discounts for annual mileage, family discount, loyalty savings, multi-vehicle, good student, and vehicle storage.

If you want the cheapest insurance quotes, ask each company how many discounts you can get. Some discounts listed above may not be offered in your area. To choose insurers offering insurance coverage discounts, click this link.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • Should I bundle my homeowners policy with my auto?
  • Is my babysitter covered when using my vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • Is my custom paint covered by insurance?
  • Why does it cost so much to insure a teen driver?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your insurance policy

Having a good grasp of insurance aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Forester.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from flooding, hitting a deer, damage from a tornado or hurricane and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like EMT expenses, hospital visits, doctor visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

This coverage will pay to fix damage to your Forester from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability

Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like emergency aid, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Shop. Compare. Save.

We’ve covered quite a bit of information on how to shop for 2010 Subaru Forester insurance online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting inexpensive insurance. You may even find the lowest priced insurance comes from some of the lesser-known companies.

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an insured dropped physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Some companies do not offer online price quotes and usually these smaller companies work with independent agents. Cheaper insurance can be bought online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from.

Much more information about insurance is available on the following sites: