2003 Subaru Forester Insurance Quotes

Online price comparisons for inexpensive car insurance can be difficult if you haven’t ever used quoting online. But don’t let that discourage you because it’s actually quite easy.

You need to shop coverage around at least once a year because insurance prices change regularly. Despite the fact that you may have had the lowest price for Forester coverage a couple years back you may be paying too much now. Block out anything you think you know about insurance because we’re going to show you the tricks you need to know to save money, get proper coverage and the best rates.

Use discounts to get cheaper insurance rates

Car insurance can cost a lot, but you may find discounts that you may not even be aware of. Certain reductions will be credited at the time of quoting, but occassionally some discounts must be manually applied before you will receive the discount.

• Theft Deterent – Vehicles that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a car insurance quote.
• Passive Restraints – Vehicles with factory air bags can receive discounts of more than 20%.
• Student in College – Any of your kids who are attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Sign Online – Many insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
• First Accident Forgiveness – This isn’t a discount exactly, but certain companies will forgive one accident without the usual rate increase so long as you are claim-free for a specific time period.
• 55 and Retired – If you qualify as a senior citizen, you could receive a small decrease in premiums for Forester coverage.
• Sign Early and Save – Some insurance companies provide a discount for buying a policy prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.
• New Car Discount – Buying a new car instead of a used car may earn a small discount since newer models have better safety ratings.
• Lower Rates for Military – Having an actively deployed family member could be rewarded with lower insurance rates.
• No Claims – Drivers who stay claim-free can save substantially when compared with accident-prone drivers.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you could get a free insurance policy, nobody gets a free ride. But any discount will reduce your policy cost.

A list of companies and a partial list of their discounts are:

• Esurance has discounts for renters, emergency road assistance, Pac-12 alumni, good student, and homeowner.
• The Hartford offers premium reductions for driver training, vehicle fuel type, bundle, anti-theft, and air bag.
• AAA may have discounts that include AAA membership discount, good driver, education and occupation, multi-policy, and multi-car.
• Geico has savings for emergency military deployment, multi-vehicle, anti-lock brakes, multi-policy, five-year accident-free, good student, and military active duty.
• State Farm offers discounts for anti-theft, good student, defensive driving training, driver’s education, multiple autos, and student away at school.

If you need lower rates, check with all the companies how many discounts you can get. Some discounts may not apply to policyholders in your area. To see companies that offer many of these discounts, click here to view.

What affects Subaru Forester insurance rates?

Consumers need to have an understanding of a few of the rating criteria that go into determining the rates you pay for insurance coverage. If you have some idea of what controls the rates you pay, this enables you to make decisions that may reward you with big savings.

• Your occupation is a factor – Do you work in a high-stress field? Jobs like military generalspolice officers and miners generally pay the highest rates because of high stress levels and lots of time spent at work. On the flip side, jobs like professors, historians and retirees generally pay rates lower than average for Forester coverage.
• Marriage pays dividends – Your spouse may cut your premiums when shopping for insurance coverage. Having a significant other may mean you are more mature and statistics prove married couples file fewer claims.
• Gender and auto insurance – Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that men are worse drivers. Both genders are in at-fault accidents in similar numbers, but guys tend to have more serious accidents. They also get cited for more serious violations like DUI and reckless driving.
• Liability protection preserves assets – A critical coverage on your policy, liability insurance provides coverage if you are found liable for damages from an accident. Your liability coverage provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Companies want multiple policies – Lots of insurance companies apply better rates to buyers that have more than one policy in the form of a multi-policy discount. Even if you already get this discount, it’s in your best interest to comparison shop to verify if the discount is saving money. You may still be able to find better rates even if you insure with multiple companies
• Tickets and citations cost more than a fine – Attentive drivers get better rates compared to drivers with tickets. Getting just one citation may cause rates to rise twenty percent or more. Drivers who get multiple violations such as hit and run, DWI or reckless driving convictions may find that they have to to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions might help in determining if you will benefit from professional help.

• Where can I get insurance after a DUI in my state?
• Which companies will insure high-risk drivers?
• Do I really need UM/UIM coverage?
• Should I buy only the required minimum liability coverage?
• What if I total my 2003 Subaru Forester and owe more than it’s worth?
• Am I covered if I wreck a rental car?
• How much liability do I need to cover my assets?
• Are my tools covered if they get stolen from my vehicle?
• Is my ex-spouse still covered by my policy?
• How much liability insurance is required?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Be skeptical of insurance ads

21st Century, Allstate and State Farm continually stream ads on television and other media. All the ads advertise the message that drivers will save a bundle if you switch your insurance policy to them. How does every insurance company make the same claim? It’s all in the wording.

All the different companies have specific guidelines for a prospective insured that will most likely be profitable. An example of a profitable risk profile might be between the ages of 40 and 55, has other policies, and drives a lower-performance vehicle. Any customer who meets those qualifications receives the best car insurance rates and will probably save a lot of money.

Potential insureds who are not a match for those standards may be forced to pay higher premiums and this can result in the customer buying from someone else. The ads say “people who switch” but not “everyone who gets a quote” can save as much as they claim. This is how companies can truthfully make those claims. This really emphasizes why it is so important to compare free car insurance quotes often. Because you never know which insurance company will have the best rates for your profile.

What insurance coverages do you need?

Knowing the specifics of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Subaru Forester.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability auto insurance

This coverage will cover damage that occurs to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like structural damage, repair bills for other people’s vehicles, attorney fees, funeral expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision protection

Collision coverage will pay to fix damage to your Forester from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, rolling your car, driving through your garage door, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as ambulance fees, surgery, EMT expenses and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as 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 (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Saving money is sweet as honey

Discount 2003 Subaru Forester insurance is definitely available on the web and from local agencies, and you need to comparison shop both to have the best selection. There are still a few companies who may not provide internet price quotes and most of the time these smaller providers provide coverage only through local independent agents.

Insureds change insurance companies for a variety of reasons including delays in responding to claim requests, delays in paying claims, not issuing a premium refund or policy non-renewal. Whatever your reason, choosing a new insurance company can be easier than you think.

In this article, we covered a lot of ways to compare 2003 Subaru Forester insurance prices online. The most important thing to understand is the more you quote car insurance, the higher the chance of saving money. Consumers could even find that the most savings is with a small mutual company.

Additional detailed information can be found in these articles:

• Senior Drivers (Insurance Information Insitute)
• Who Has Cheap Auto Insurance for a Subaru Forester in Greensboro? (QuoteGreensboro.com)
• How to Avoid Staged Accidents (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Auto Insurance 101 (About.com)