Lower Your 2002 Subaru Forester Car Insurance Quotes

Searching for lower insurance rates for your Subaru Forester? Are you kicking yourself for buying an expensive insurance policy? You’re in good company because many drivers have buyer’s remorse. Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

It’s a great practice to get comparison quotes every six months since insurance prices change frequently. If you had the best price for Forester coverage two years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the only way to lower your annual insurance bill.

Compare free auto insurance price quotes

Performing a rate comparison can be exhausting if you don’t understand the best way to get rate quotes. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could use the internet to get the quickest rates.

All the larger companies participate in a marketplace where insurance shoppers submit their information once, and every company returns a rated price determined by their information. This prevents consumers from doing quote requests to each company.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to doing it this way is you cannot specify the companies to receive prices from. If you wish to select specific providers to compare rates, we have a page of companies who write auto insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples quote information for every company. If the quotes have different deductibles you will not be able to determine the lowest rate for your Subaru Forester.

Cheaper rates with these insurance discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts to reduce the price significantly. Some discounts apply automatically at quote time, but occassionally some discounts must be manually applied before you will receive the discount.

  • Waiver for an Accident – Not really a discount, but a handful of insurance companies will let one accident slide before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
  • Early Signing – A few insurance companies allow discounts for switching to them before your current coverage expires. This discount can save up to 10%.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
  • Multi-car Discount – Buying coverage for multiple cars on a single policy can reduce the rates for all insured vehicles.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Discount for New Cars – Buying a new car model is cheaper because newer vehicles keep occupants safer.
  • Driver Safety – Completing a course that instructs on driving safety is a good idea and can lower rates and also improve your driving technique.

We need to note that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The best insurance companies and some of the premium reductions they offer are shown below.

  • Travelers includes discounts for save driver, home ownership, hybrid/electric vehicle, IntelliDrive, multi-policy, new car, and driver training.
  • 21st Century policyholders can earn discounts including teen driver, student driver, early bird, good student, and air bags.
  • State Farm has discounts for Steer Clear safe driver discount, good driver, anti-theft, defensive driving training, Drive Safe & Save, safe vehicle, and multiple autos.
  • Geico offers discounts for emergency military deployment, daytime running lights, multi-vehicle, air bags, five-year accident-free, and membership and employees.
  • SAFECO may offer discounts for drive less, safe driver, anti-theft, teen safe driver, multi-car, and accident prevention training.
  • AAA has savings for anti-theft, multi-car, multi-policy, good driver, education and occupation, pay-in-full, and AAA membership discount.

Before purchasing a policy, check with every prospective company what discounts are available to you. Depending on the company, some discounts may not apply in your state. For a list of insurers who offer free insurance quotes, follow this link.

Auto insurance can get complicated

When it comes to choosing the best auto insurance coverage, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you would benefit from an agent’s advice.

  • How many claims can I have before being cancelled?
  • How much underlying liability do I need for an umbrella policy?
  • Does my insurance cover a custom paint job?
  • Am I covered if I break a side mirror?
  • Am I missing any policy discounts?
  • At what point should I drop full coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my car insurance cover rental cars?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Coverages available on your policy

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on most car insurance policies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as chiropractic care, ambulance fees and dental work. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, hitting a bird, theft, damage from flooding and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, attorney fees, structural damage, loss of income and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Subaru Forester.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Be a penny pincher

Some auto insurance companies do not offer the ability to get quotes online and many times these smaller companies prefer to sell through independent insurance agents. Affordable 2002 Subaru Forester insurance can be bought online as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

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Comments About 2002 Subaru Forester Insurance

  1. Leone Hoffman

    Anyone find cheap rates around Houston, Texas?

  2. Lorenzo Gregory

    Here’s what I found out. From a town just southwest of Buffalo, NY. I got free quotes from Nationwide, Encompass, Progressive, and Auto-Owners for my Subaru and I think I am saving around $20 each month. Thankfully I’m not a high risk driver.

  3. Mariana Knox

    I live on the west side of Paterson, NJ. I got free prices from American Family, Mercury, and Travelers for my Subaru and I think I am saving around $20 each month. Left Eastwood to switch.

  4. Ophelia Trevino

    Is Progressive or State Farm cheaper in Dallas, TX?

  5. Hazel Mathis

    If you don’t have tickets and live around Eugene, Oregon, check out GEICO. They seem to be cheaper. Are quotes cheaper online? Liability only on my Subaru.

  6. Remedios Montoya

    Liked the article. I’m in the west part of Las Vegas, NV. Went online for free insurance quotes for a 2002 Subaru Forester. Ended up at about $70 savings annually. Went with Allstate. Got better coverage too. I quoted rates online then called them.

  7. Logan Kramer

    21st Century is cheapest in Indiana! :)

  8. Jesenia Dillon

    Lifelong resident of Detroit, Michigan. I quoted with American Family, Mercury, and some smaller one I can’t remember the name of for my Forester and I think I am saving around $20 each month. Insured with Erie before.

  9. Norris Holmes

    Here’s my quote info. I live just outside Boston, MA. Quoted prices online for a 2002 Subaru Forester. Ended up at about $80 savings annually. Went with State Farm. I used their online quote form to compare rates.

  10. Bella Nguyen

    I’m in the north part of Chicago, IL. I quoted with Allstate, Liberty Mutual, and Encompass for my Subaru and I think I saved around $20 each month. I have a couple other vehicles on the policy. I don’t put full coverage on it.

  11. Estell Larsen

    Does Progressive have good claim service?

  12. Apryl Barber

    I got a good deal I think. Located in Fayetteville, Arkansas. I don’t recall every quote but I ended up saving about $20 each month. I only have liability coverage on it.

  13. Naoma Hurley

    I got quite a few price quotes for a 2002 Subaru Forester in Atlanta, Georgia. Ended up at roughly $100 every six months with Amica. Still almost need a second mortgage.

  14. Marlo Mckay

    FYI in Aurora, CO try 21st Century. I got a good deal.