2013 Subaru Forester Car Insurance Cost – 7 Tips to Save

Looking for lower auto insurance rates for your Subaru Forester? Do you think you bought an underperforming, overpriced auto insurance policy? You’re in good company because many drivers have buyer’s remorse.

Big companies like Allstate, Liberty Mutual and State Farm persitently shower you with fancy advertisements and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.

It’s a good habit to price shop coverage as often as possible because prices are usually higher with each renewal. Despite the fact that you may have had the best deal on Forester insurance two years ago you can probably find a better rate now. You’ll find a ton of advice on auto insurance on the internet, but in this article, you’re going to get a bunch of ideas how to lower your auto insurance premiums.

Free insurance rate quotes

When shopping for insurance there are multiple ways to obtain and compare prices from many available insurance companies in your state. The simplest method to comparison shop involves getting comparison quotes online. This can be done in several different ways.

One of the simplest ways to get quotes for comparison is to use a rate comparison form click to view form in new window. This quick form keeps you from doing a different quote for every company. Completing one form gets you coverage quotes from multiple companies.
A more time consuming way to get quotes online is to manually visit the website for each individual company and repeat the quote process. For examples sake, we’ll pretend you want to get rates from Nationwide, Geico and Progressive. To get each rate you have to take the time to go to each site to enter your coverage information, which is why first method is reommended.
For a list of links to insurance companies in your area, click here.

Whichever way you use, be sure you’re using the same coverage information on every quote. If each company quotes higher or lower deductibles it’s not possible to determine which company has the best rates. Even a minor difference in coverage limits may result in a large different in cost. Just remember that comparing more quotes increases your odds of finding more affordable rates. Some smaller insurers to not give online rate quotes, so it’s important to also get price estimates from them as well.

Auto insurance policy discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Some discounts will apply at the time of purchase, but some discounts are required to be manually applied in order for you to get them.

Payment Method – By paying your entire bill at once rather than spreading payments over time you can avoid the installment charge.
Low Miles Discount – Fewer annual miles on your Subaru can qualify you for lower premium rates due to less chance of an accident.
Lower Rates for Military – Being on active deployment in the military can result in better prices.
Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
ABS Brakes – Cars and trucks equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.
Employee of Federal Government – Having worked for a branch of the government could cut as much as 10% off on Forester insurance with some auto insurance companies.
Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a car insurance quote.

Don’t be shocked that some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free auto insurance policy, it’s just not the way it works.

To see a list of insurers that can offer you the previously mentioned discounts, follow this link.

How do I know if I need professional advice?

When choosing adequate coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that For instance, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

What is UM/UIM insurance?
What if I total my 2013 Subaru Forester and owe more than it’s worth?
Can I rate high risk drivers on liability-only vehicles?
How can I get my company to pay me more for my totalled car?
Can I afford low physical damage deductibles?
Is my custom paint covered by insurance?
Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages 101

Understanding the coverages of car insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by car insurance companies.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, vandalism, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills for nursing services, rehabilitation expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This coverage can cover damages or injuries you inflict on people or other property. It protects YOU against other people’s claims, and does not provide coverage for 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. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as pain and suffering, loss of income, emergency aid, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Subaru Forester.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.