How Much Does 2000 Subaru Forester Insurance Cost?

Trying to find lower insurance rates for your Subaru Forester? Do you think you bought an expensive insurance policy? Don’t sweat it because there are many consumers feeling the pinch from expensive insurance. With so many options, it can be impossible to choose the cheapest insurance provider.

It’s smart to get comparison quotes on a regular basis due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the best rate on Forester coverage six months ago you will most likely find a better price today. Forget all the misinformation about insurance because you’re going to get a crash course in the right way to properly buy coverages and cut your premium.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you should be able to save some money using these methods. Vehicle owners only need to know the proper methods to compare price quotes over the internet.

Find discounts to get cheap insurance rates

Companies offering auto insurance don’t always list the complete list of policy discounts very well, so the list below details both well-publicized and also the lesser-known ways to save on insurance.

• Claim-Free Discount – Insureds with no claims or accidents have much lower rates when compared with bad drivers.
• Discount for New Cars – Buying insurance on a new vehicle may earn a small discount because newer models are generally safer.
• Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save up to 5%.
• Distant Student Discount – Children who are attending college and leave their car at home may be insured at a cheaper rate.
• Low Mileage – Low annual miles can earn cheaper prices.
• Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% on Forester coverage with certain companies.
• Service Members Pay Less – Being deployed in the military could mean lower prices.
• Discounts for Cautious Drivers – Accident-free drivers can pay as much as 50% less on Forester coverage compared to accident prone drivers.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only reduce individual premiums such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

Some of the larger companies that may offer some of the above discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

If you are trying to find low cost insurance quotes, ask each company to apply every possible discount. A few discounts may not be available in your area. To view insurers that offer discounts, click this link.

How to find the cheapest insurance coverage

There are multiple methods to compare insurance coverage quotes, and some are more efficient than others. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use the web to get rates in a matter of minutes.

Many companies participate in an industry program where prospective buyers enter their coverage request one time, and each company returns a competitive quote based on the submitted data. This prevents consumers from doing quote forms for each company you want a rate for.

To participate in this free quote system, click here (opens in new window).

One minor caviat to pricing coverage this way is you cannot specify which providers to get quotes from. If you prefer to choose specific providers for rate comparison, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just ensure you’re using equivalent coverage data for every company. If you are comparing different limits and deductibles on each one it will be nearly impossible to determine the best price for your Subaru Forester.

How insurance providers calculate Subaru Forester insurance costs

A large part of saving on insurance coverage is knowing some of the things that are used to determine the rates you pay for insurance coverage. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find lower insurance coverage prices. Many factors are used in the calculation when you get a price on insurance. Some are obvious such as your driving record, but other factors are not as apparent like your vehicle usage and annual miles driven.

Shown below are some of the most rate-impacting factors that factor into your prices.

• Claims cost money – Car insurance companies give cheaper rates to drivers who are not frequent claim filers. If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Rates increase with driving citations – Having a clean driving record has a huge affect on how much you pay. Having just one ticket could increase your next policy renewal forty percent or more. Attentive drivers pay lower auto insurance prices compared to bad drivers. Drivers who have received dangerous violations like reckless driving or DUI may need to complete a SR-22 with their state’s department of motor vehicles in order to keep their license.
• Single drivers take more risk – Having a wife or husband may earn you lower rates on your insurance coverage policy. Having a spouse usually means you are more mature than a single person and statistics prove drivers who are married file infrequent claims.
• Safer cars lower prices – Safe vehicles tend to have lower insurance rates. Safe vehicles have better occupant injury protection and fewer serious injuries means lower claim amounts which can result in lower premiums.
• Lower premiums with alarm systems – Buying a car with advanced anti-theft systems can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft and help bring rates down.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there really is no one size fits all plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that can help discover if you might need professional guidance.

• Do I need roadside assistance coverage?
• Will my insurance pay for OEM parts?
• Am I better off with higher deductibles on my 2000 Subaru Forester?
• Is there coverage for injuries to my pets?
• What happens if I owe more than my 2000 Subaru Forester is worth?
• Where can I find high-risk insurance?
• I have good health insurance, so how much medical payments coverage do I need?
• Will filing a claim cost me more?
• Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, 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 car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Save $463 a year! What?

Consumers get pounded daily by advertisements that claim the best car insurance rates from companies such as Progressive, Geico, Allstate and State Farm. All the companies advertise the message that drivers can save some big amount after switching your auto insurance coverage to their company.

How can each company make the same claim?

Insurance providers quote their cheapest rates for a prospective insured that will be a good risk. One example of a preferred risk may need to be between the ages of 30 and 50, has a low-risk occupation, and has a short commute. Someone who fits that profile may get the lowest prices and therefore will save a lot if they switch.

People who are not a match for those standards will probably have to pay more expensive rates and ends up with business not being written. The trick is to say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully make those statements. This illustrates why you really need to compare rate quotes every year. It is impossible to predict which auto insurance company will be your best fit.

Specific coverage details

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Subaru Forester.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as doctor visits, EMT expenses, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This coverage can cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

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 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as structural damage, court costs and loss of income. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, damage from flooding and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This covers damage to your Forester caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

And the best car insurance company is…

We just showed you some good ideas how to shop for 2000 Subaru Forester insurance online. The key concept to understand is the more you quote insurance, the better your comparison will be. You may even find the lowest auto insurance rates are with some of the smallest insurance companies. Regional companies can often provide lower premium rates in certain areas compared to the large companies like Progressive or Geico.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage for the lowest cost while still protecting your assets.

Some insurance companies don’t offer online quoting and usually these regional insurance providers only sell through local independent agents. Budget-friendly car insurance is available online in addition to many insurance agents, so compare prices from both so you have a total pricing picture.

Additional information is located at the links below

• Child Safety Seats (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)