2017 Subaru Forester Insurance Cost – 5 Policy Discounts

Are you irritated from robbing Peter to pay Paul to pay insurance coverage each month? You are no different than the majority of other vehicle owners. Vehicle owners have multiple auto insurance companies to insure vehicles with, and although it’s nice to have a selection, lots of choices makes it harder to locate the cheapest rates.

Smart consumers take time to do rate comparisons as often as possible since insurance prices are usually higher with each renewal. If you had the best rate for Forester insurance on your last policy you will most likely find a better premium rate today. Forget all the misinformation about insurance coverage because I’m going to teach you the right way to reduce your cost while increasing coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these tips. Drivers only need to know the proper methods to get comparison quotes on the web.

Insurance coverage policy discounts

Insurance coverage is not cheap nor is it fun to buy but you may be missing some discounts to help offset the cost. Most are applied at the time you complete a quote, but some may not be applied and must be asked about before being credited.

  • Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you can actually save on your bill.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little off the personal injury premium cost.
  • Theft Prevention Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and earn discounts up to 10% off your insurance quote.
  • Government Employees – Federal government employees can save as much as 8% for Forester insurance but check with your company.
  • Save with a New Car – Buying a new car instead of a used car can save you some money because new model year vehicles keep occupants safer.

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A few of the larger companies and a partial list of their discounts are:

  • State Farm offers premium reductions for good driver, Steer Clear safe driver discount, good student, driver’s education, passive restraint, and student away at school.
  • Geico has discounts for driver training, anti-theft, daytime running lights, good student, and military active duty.
  • SAFECO includes discounts for drive less, accident prevention training, bundle discounts, anti-theft, teen safe driver, and homeowner.
  • Farmers Insurance policyholders can earn discounts including distant student, multi-car, bundle discounts, switch companies, and electronic funds transfer.
  • AAA offers discounts including education and occupation, AAA membership discount, anti-theft, multi-policy, good driver, good student, and pay-in-full.
  • USAA may have discounts that include new vehicle, driver training, family discount, safe driver, vehicle storage, defensive driver, and military installation.

When comparing rates, check with all companies you are considering to give you their best rates. Some discounts listed above may not apply everywhere. To view insurance coverage companies that offer some of these discounts, follow this link.

Is there truth in advertising?

Consumers get pounded daily by advertisements that claim the lowest premium rates from companies such as State Farm, Geico and Progressive. All the ads make an identical promise that drivers will save a bundle if you just switch your coverage to them.

But how can every company offer you a better deal? This is how they do it.

Different companies have specific criteria for a prospective insured that makes them money. A good example of a profitable customer could be between the ages of 30 and 50, has no tickets, and has a short commute. A customer getting a price quote who fits those characteristics gets the lowest car insurance rates and as a result will probably save a lot of money.

Drivers who don’t meet the requirements will probably be forced to pay higher premium rates which usually ends up with business not being written. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” save that much. This is how companies can truthfully lure you into getting a quote. Because of these techniques, you absolutely need to get insurance quotes from several different companies. You cannot predict which insurance companies will be your best fit.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Is upholstery damage covered by car insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • What is the difference between comprehensive and collision coverage?
  • Is my teen driver covered when they drive my company car?
  • Is rental equipment covered for theft or damage?
  • Can I afford to pay high deductible claims out of pocket?
  • What is no-fault insurance?
  • Does my car insurance cover rental cars?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverage specifics

Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive protection – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, hitting a deer and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for bills such as hospital visits, surgery, EMT expenses and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

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

Collision coverage protects against claims like driving through your garage door, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Liability car insurance – This coverage protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as legal defense fees, pain and suffering and medical expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2017 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

What is YOUR best insurance company?

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Discount 2017 Subaru Forester insurance is definitely available from both online companies as well as from insurance agents, so you should compare both to have the best selection. Some companies do not provide internet price quotes and many times these small, regional companies provide coverage only through independent insurance agencies.

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