How Much Does 1999 Subaru Forester Insurance Cost?

Searching for better auto insurance rates for your Subaru Forester? Purchasing more affordable auto insurance over the internet can appear to be rather challenging for beginners to comparing rates over the internet. With more and more insurers available, how are vehicle owners expected to even start to compare every company to locate the lowest price?

It is always a good idea to do rate comparisons before your policy renews due to the fact that insurance prices change quite often. Just because you had the best rate for Forester insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the best ways to properly buy coverages and cut your premium.

If you have car insurance now, you should be able to cut costs considerably using this strategy. The purpose of this article is to help you learn the most effective way to quote insurance and some tips to save money. But consumers must know the methods companies use to sell online.

Low cost insurance coverage prices

There are several ways of comparing price quotes from many available insurance coverage companies in your state. The quickest method to compare rates consists of shopping online. This can be done in several different ways.

  1. The best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing a different quote for each company you want a rate for. Completing one form will get you price quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A more difficult way to analyze rates requires a trip to each individual company website and request a quote. For example, we’ll assume you want to see prices from USAA, Allstate and American Family. You would need to go to each individual site to input your insurance information, which can get rather old. To view a list of companies in your area, click here.
  3. The most difficult method of comparing rate quotes is actually driving to insurance agencies in your area. The internet makes this process obsolete unless you’re the type of person who wants the guidance that only a licensed agent can provide. Some companies do allow you to get the lowest quotes online and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare nearly identical coverage limits and deductibles on every price quote you get. If you compare mixed coverages you will not be able to get a fair rate comparison. Just a small difference in coverages may result in large price differences. And when quoting insurance coverage, remember that obtaining a wide range of quotes helps increase your odds of locating more affordable rates. Not every company allows you to get online rate quotes, so you need to compare rates from them, too.

Tailor your insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions may help you determine if you could use an agent’s help.

  • How much liability do I need to cover my assets?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when driving in Canada or Mexico?
  • Do I really need UM/UIM coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have health insurance so do I need medical payments coverage?
  • When should I drop full coverage on my 1999 Subaru Forester?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

Insurance coverages explained

Knowing the specifics of insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage protection

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

Collision can pay for things like hitting a parking meter, colliding with a tree, scraping a guard rail, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as structural damage, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for dental work, chiropractic care and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Subaru Forester.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comments About 1999 Subaru Forester Insurance

  1. Juan Lancaster

    Here’s my quote info. I live on the north side of West Valley City, UT. Quoted with American Family, MetLife, and a few others for my Subaru and I think I saved around $20 each month. Moved home policy as well. :P

  2. Patrice Malone

    I live in Aurora, IL. Quoted prices online for a 1999 Subaru Forester. Ended up at about $100 savings annually. Went with Progressive. Insured with MetLife before. I don’t put full coverage on it.

  3. Versie Sloan

    I’m in Concord, New Hampshire. I got free rates from Auto-Owners, MetLife, and a few others for my 1999 Subaru Forester and I think I am saving around $20 each month. Have an at-fault accident tho. It’s too old for full coverage.

  4. Yuko Le

    Need cheaper insurance rates for my teenage driver in Omaha, NE!!

  5. Marcia Madden

    Where is cheaper car insurance? I’m in the suburbs of Nashua, NH. I got free prices from Allstate, AIG Insurance, and some I forget for my Forester and I think I cut my rates about $20 each month. You can get a rate quote online.

  6. Luigi Bowen

    Cheap car insurance? What’s that? From Montgomery, AL. Quoted a bunch of companies. Saved darn near $20 a month. Allstate was the cheapest option for me. Insured with Auto-Owners before. I have a teen driver too. They were helpful in switching over.

  7. Mervin Underwood

    I live on the west side of Providence, RI. I don’t recall every quote but I ended up saving about $10 each month. Was with Amica. Just liability coverage since it’s getting old.

  8. Armida Carrillo

    Can you buy custom paint coverage for a 1999 Subaru Forester?

  9. Melvin Wooten

    Found cheapest coverage with Safeco for my Forester and am saving around $100 a year. Insured with Mercury before.

  10. Chia Howell

    I’m just north of Rutland, VT. Checked online prices for a 1999 Subaru Forester. Ended up at about $100 savings annually. Went with State Farm. Even increased coverage a bit. Might find lower rates online. Not worth enough to pay for comprehensive and collision.

  11. Ying Randolph

    From northwest of Charleston, SC. Got car insurance prices from AAA, Sentry, and USAA for my Subaru and am saving around $90 a year. They have a lot of discounts available. I only have liability coverage on it.

  12. Shanice Snow

    I found pretty cheap rate quotes for a 1999 Subaru Forester in Burlington, Vermont. Ended up at about $110 every six months with AIG Insurance. Left Progressive to switch. God forbid I actually have a claim.

  13. Emanuel Lang

    How are claims handled by Progressive around Rockford, IL?