2014 Subaru Forester Car Insurance Quotes

Did a good deal turn out to be an expensive car insurance policy? Believe me, you’re not alone. Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate possible.

Car Insurance Discounts

Auto insurance companies don’t always list every available discount in a way that’s easy to find, so here is a list a few of the more well known and the harder-to-find credits that may apply to you.

  • Seat Belts Save more than Lives – Forcing all vehicle occupants to wear their seat belts can save a little off the medical payments premium.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
  • ABS Brakes – Cars and trucks with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Switch and Save Discount – A few companies give discounts for switching to them prior to the expiration date on your current policy. The savings is around 10%.
  • Organization Discounts – Being a member of a qualifying organization may earn a discount when getting a car insurance quote.
  • Accident Waiver – This isn’t a discount exactly, but some companies like Geico, State Farm, and Progressive will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
  • Claim Free – Drivers who stay claim-free pay much less in comparison to drivers with a long claim history.

Just know that most discounts do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, companies wouldn’t make money that way.

A list of car insurance companies and a summarized list of policyholder discounts are outlined below.

  • State Farm may include discounts for driver’s education, anti-theft, safe vehicle, passive restraint, and multiple policy.
  • American Family has savings for multi-vehicle, early bird, accident-free, defensive driver, good driver, air bags, and good student.
  • AAA policyholders can earn discounts including good driver, AAA membership discount, multi-car, multi-policy, and pay-in-full.
  • Geico includes discounts for anti-lock brakes, emergency military deployment, air bags, defensive driver, federal employee, and good student.
  • Mercury Insurance offers discounts including type of vehicle, good driver, age of vehicle, professional/association, and multi-policy.
  • Farmers Insurance has discounts for homeowner, business and professional, teen driver, mature driver, and good student.
  • Progressive discounts include multi-vehicle, continuous coverage, good student, multi-policy, and online quote discount.

When comparing rates, check with each company which discounts they offer. Some discounts may not apply to policyholders in your area. If you would like to choose from a list of insurers with discount rates, click here.

How to buy car insurance

Finding a better price on car insurance is an easy way to save money. All you need to do is spend a little time to compare rate quotes from some recommended companies. This can be accomplished in several different ways.

  1. Experts agree that the best way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do separate quote forms for every company. Just one form will return quotes direct from many companies.
  2. A slightly less efficient method to obtain and compare quotes online consists of going to the website for every company you want to comare and repeat the quote process. For example, let’s say you need rates from Allstate, Farmers and Geico. You would have to spend time going to each site individually and repeatedly type in your coverage information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.
  3. If you have time to kill, the last way of getting rate comparisons is going to different agent offices. Quoting and buying insurance online makes this unnecessary unless you have a need for the guidance that you can only get from talking to an agent. Some companies do allow you to price shop online and get advice from an agent in your area.

Whichever way you use, ensure you’re using equivalent coverage data on every quote you get. If you compare different deductibles you will not be able to make a fair comparison for your Subaru Forester.

Cut insurance costs with these tips

Smart consumers have a good feel for the different types of things that go into determining the level of your policy premiums. If you know what determines base rates, this allows you to make good choices that can earn you lower premium levels. Many factors are part of the calculation when quoting car insurance. A few of the factors are predictable like an MVR report, but other criteria are not as apparent like your continuous coverage or how safe your car is.

  • Getting married can save on auto insurance – Being married can actually save you money when shopping for auto insurance. Having a spouse may mean you are more financially stable it has been statistically shown that married drivers get in fewer accidents.
  • Liability protection limits on your policy – The liability section of your policy will afford coverage if a jury decides you are liable for an accident. Liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not cut corners here.
  • How many coverages with the same company – Most insurers allow discounts for people that have more than one policy such as combining an auto and homeowners policy. Even with this discount, you still need to shop around to guarantee you are still saving the most.
  • Coverage deductibles are a factor – Deductibles for physical damage are how much you are willing to pay before your auto insurance pays a claim. Protection for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a stationary object, damage caused by hail, or theft of your vehicle. The more you’re willing to pay, the less your company will charge you for insurance for Forester insurance.
  • Do you need those extra policy coverages? – Insurance companies have many extra bells and whistles that can add up on your auto insurance policy. Coverages for personal injury protection, accidental death, and extra equipment coverage may be wasting your money. These may sound like a good investment when buying your policy, but if they’re wasting money consider taking them off your policy.
  • Gender is a factor – Over the last 30 years, statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that men are worse drivers. Both sexes cause auto accidents at a similar rate, but males have accidents that have higher claims. Not only are claims higher, but men get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 cause the most accidents and therefore pay the highest rates.
  • Theft deterrents save – Owning a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your car from being stolen.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • If I drive on a suspended license am I covered?
  • Are split liability limits better than a combined single limit?
  • Does liability extend to a camper or trailer?
  • What are the best liability limits?
  • When should my teen driver be added to my policy?
  • Who is covered when they drive my 2014 Subaru Forester?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Big names are not always cheapest

Consumers can’t escape the ads that promise big savings by State Farm, Allstate and Geico. All the ads say the same thing that drivers will save a bundle after switching to them.

How is it plausible that every one can cost less than your current company? It’s all in the numbers.

Insurance providers look for specific characteristics for a prospective insured that will generate a profit. An example of a profitable risk profile might have to be a married male, has no claims, and drives less than 5,000 miles a year. Any customer who fits those characteristics gets the lowest rates and will also pay quite a bit less when switching companies.

Insureds who don’t qualify for this stringent profile may receive a higher premium and the customer not buying. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” save that much. That’s the way companies can truthfully advertise the savings.

Each company has different criteria, so it is so important to compare free car insurance quotes often. You cannot predict with any certainty which company will have the best premium rates at this point in time.

Coverages available on your insurance policy

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Collision coverage protection

This pays for damage to your Forester resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, crashing into a ditch, crashing into a building, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability coverage

This will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, medical services, structural damage, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, hitting a deer and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for things like hospital visits, doctor visits, nursing services and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

More quotes. Lower rates.

We just showed you a lot of tips how to save on 2014 Subaru Forester insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding affordable car insurance. Drivers may discover the most savings is with a smaller regional carrier. Regional companies often have lower premium rates on specific markets compared to the large companies like Progressive and Geico.

Some insurance companies may not have the ability to get quotes online and many times these small insurance companies prefer to sell through independent insurance agencies. Lower-priced insurance is available from both online companies and with local insurance agents, and you need to comparison shop both to have the best selection.

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