Save on 2001 Subaru Forester Insurance Rates

Tired of wondering where the money will come from to pay insurance coverage each month? You are no different than most other vehicle owners. Big-name insurance companies like Geico and Progressive all promote huge savings with TV and radio ads and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

Don’t miss these discounts

Companies don’t list all available discounts very clearly, so we break down some of the more common and the harder-to-find discounts that you may qualify for. If you do not double check each discount you qualify for, you could be getting lower rates.

• Federal Government Employee – Federal government employees could qualify for a slight premium decrease on Forester insurance depending on your insurance provider.
• Drivers Ed for Students – Cut your cost by having your teen driver sucessfully take a drivers education course in school or through a local driver safety program.
• Early Payment Discounts – By paying your entire bill at once as opposed to paying monthly you may reduce your total bill.
• Save with a New Car – Buying coverage on a new vehicle is cheaper because newer vehicles have to meet stringent safety requirements.
• Smart Student Discounts – Performing well in school may save you up to 25%. The good student discount can last up until you turn 25.
• Club Memberships – Being in certain professional organizations could qualify you for a break on your policy.
• Driver Safety – Taking time to complete a safe driver class can save you 5% or more and also improve your driving technique.
• Discounts for Cautious Drivers – Accident-free drivers may receive a discount up to 45% on Forester insurance than drivers with accident claims.
• Multi-Vehicle Discounts – Insuring multiple vehicles with the same company could earn a price break for each car.

Don’t be surprised that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like you could get a free insurance policy, you’re out of luck.

A few popular companies and a selection of discounts can be found below.

• Farm Bureau may include discounts for safe driver, renewal discount, good student, 55 and retired, and youthful driver.
• Liberty Mutual may offer discounts for hybrid vehicle, new graduate, new vehicle discount, newly married, and new move discount.
• State Farm discounts include Drive Safe & Save, accident-free, safe vehicle, passive restraint, student away at school, defensive driving training, and driver’s education.
• Auto-Owners Insurance may have discounts that include anti-lock brakes, mature driver, teen driver, paid in full, group or association, and multi-policy.
• Geico offers discounts including anti-theft, driver training, good student, seat belt use, and federal employee.
• SAFECO policyholders can earn discounts including safe driver, teen safe driver, drive less, anti-lock brakes, bundle discounts, homeowner, and anti-theft.

Check with every prospective company which discounts you qualify for. Savings may not be available in your area.

Special considerations

When it comes to buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether you would benefit from an agent’s advice.

• Is my dog or cat covered if injured in an accident?
• Why do I need rental car insurance?
• Is a fancy paint job covered?
• What is PIP insurance?
• Do I get a pro-rated refund if I cancel my policy early?
• How can I find cheaper teen driver insurance?
• How can I get my company to pay me more for my totalled car?
• When can my company non-renew my policy?
• What is no-fault insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Detailed coverages of your car insurance policy

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on the average car insurance policy.

Collision protection

Collision insurance pays for damage to your Forester resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, backing into a parked car, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for ambulance fees, X-ray expenses, doctor visits, chiropractic care and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Subaru Forester.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability car insurance

This coverage can cover damage that occurs to other people or property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses, legal defense fees and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverages

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

Comprehensive insurance covers things such as fire damage, hitting a bird, damage from getting keyed, damage from flooding and rock chips in glass. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

A little work can save a LOT of money

Some insurance companies do not provide online quoting small insurance companies provide coverage only through independent insurance agents. Cheap 2001 Subaru Forester insurance can be found online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

When searching for cheap auto insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your goal is to buy the best coverage you can find at the best possible price, but don’t skip important coverages to save money.

Even more information can be found in these articles:

• Cellphones, Texting and Driving (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)