2004 Subaru Forester Insurance Quotes

Scraping up a payment for pricey Subaru Forester insurance can diminish your monthly budget and maybe even restrict other spending. Price shopping at each renewal can save money and help to make sure you’re not throwing money away.

People have so many insurance companies to buy insurance from, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates.

You should make it a habit to get comparison quotes before your policy renews because prices are usually higher with each renewal. Just because you had the lowest quotes for Forester coverage at your last renewal you can probably find a better rate now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn one of the best ways to buy cheaper insurance coverage.

Finding the best rates is easy if you know what you’re doing. Just about every driver who is shopping for auto insurance will more than likely be able to lower their premiums. Although drivers benefit from understanding the way insurance companies determine prices and use this information to your advantage.

Reduce your insurance coverage rates with discounts

Auto insurance companies don’t list every available discount in an easy-to-find place, so the following is a list of both well-publicized and also the more inconspicuous insurance coverage savings.

• Defensive Driving Course – Completing a defensive driving class could save 5% or more and easily pay for the cost of the class.
• Sign Early and Save – Some insurance coverage companies provide a discount for renewing your policy before your current expiration date. It’s a savings of about 10%.
• Sign Online – Some insurance companies will give a small break just for signing your application on the internet.
• Cautious Driver Discount – Insureds who avoid accidents may save up to 50% more for Forester coverage than drivers with accidents.
• Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you could save up to 5%.
• Good Grades Discount – Excelling in school can get you a discount of up to 25%. This discount can apply up to age 25.
• Waiver for an Accident – This one is not really a discount per se, but some insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims prior to the accident.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and will save you 10% or more.

Policy discounts save money, but most credits do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Large insurance coverage companies and their possible discounts are included below.

• State Farm policyholders can earn discounts including safe vehicle, driver’s education, good student, defensive driving training, good driver, anti-theft, and Drive Safe & Save.
• Esurance includes discounts for multi-car, multi-policy, paid-in-full, good driver, online shopper, anti-theft, and good student.
• Progressive has savings for online signing, multi-vehicle, homeowner, good student, online quote discount, and continuous coverage.
• Liberty Mutual may include discounts for new move discount, multi-policy, newly retired, hybrid vehicle, good student, preferred payment discount, and new graduate.
• Auto-Owners Insurance offers discounts for student away at school, anti-lock brakes, paperless, mature driver, and safe vehicle.
• Geico offers premium reductions for five-year accident-free, air bags, membership and employees, daytime running lights, and seat belt use.

When comparing rates, check with every company what discounts are available to you. All car insurance discounts may not be available in your area. To see a list of insurance companies who offer online insurance coverage quotes, click here to view.

Compare auto insurance price quotes online

Performing a rate comparison can be exhausting if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system where insurance shoppers enter their policy data once, and each company can provide price quotes for coverage. This system prevents you from having to do quote requests for each company. To find out what other companies charge click here to start a free quote.

The one downside to comparing rates this way is that you can’t choose which insurance companies you want pricing from. If you would rather choose specific insurance companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. Click to view list.

The method you choose is up to you, but be certain you are entering the same coverages for each quote you get. If you are comparing different liability limits it will be nearly impossible to determine the lowest rate for your Subaru Forester. Having just a slight variation in insurance coverages may result in large price differences. And when comparing auto insurance rates, know that quoting more increases your odds of finding the best rates.

You are unique and your auto insurance should be too

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining if your situation might need an agent’s assistance.

• Does my car insurance cover rental cars?
• I don’t drive much so do I pay less?
• How do I file an SR-22 for a DUI in my state?
• Am I covered if my car is in a flood?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is a blown tire covered by insurance?
• Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

What insurance coverages do you need?

Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

This coverage can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as court costs, repair bills for other people’s vehicles, structural damage, medical services and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Forester.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Saving money is sweet as honey

In this article, we presented a lot of tips how to save on 2004 Subaru Forester insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small local company. Regional companies can often provide lower car insurance rates in certain areas than their larger competitors like Geico and State Farm.

Lower-priced 2004 Subaru Forester insurance is available on the web as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not have price quotes online and these regional carriers provide coverage only through local independent agencies.

More detailed insurance information can be read in these articles:

• Teen Driving Statistics (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• Safety Belts FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• What is Full Coverage? (Allstate)