Save on 2007 Subaru Forester Insurance Rates

Looking for the cheapest auto insurance rates for your Subaru Forester? Are you drained from not being able to scrape enough together to insure your Subaru every month? You’re in the same situation as most other people.

People have so many insurers to purchase coverage from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the best rates.

Five tips to get lower-cost insurance costs

Multiple criteria are part of the calculation when premium rates are determined. Some are obvious like an MVR report, although some other factors are not quite as obvious such as whether you are married and annual miles driven.

Listed below are some of the factors used by your company to calculate your rates.

• Avoid unnecessary incidental coverages – There are a lot of extra add-on coverages that you can get tricked into buying when buying insurance coverage. Add-on coverages like replacement cost coverage, death and dismemberment, and membership fees are examples of these. They may seem good initially, but if you don’t need them eliminate the coverages to reduce your premium.
• Insurance rates and driver gender – Over the last 30 years, statistics show that men are more aggressive behind the wheel. It does not mean males are worse at driving than females. They both cause accidents in similar numbers, but guys have costlier accidents. Men also tend to get more serious tickets like driving under the influence (DUI). Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
• Less chance of injury means lower premiums – Vehicles that have high safety ratings get lower rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Subaru Forester has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• Reserve policy claims for larger damages – If you frequently file small claims, don’t be surprised to see increased rates or even have your policy non-renewed. Insurance companies generally give cheaper rates to policyholders who are claim-free. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Big cities have higher prices – Having an address in less populated areas can save you money if you are looking for the lowest rates. Urban drivers regularly have traffic congestion and longer commutes to work. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate.

Car insurance policy discounts

Companies offering auto insurance do not advertise all their discounts in a way that’s easy to find, so below is a list both well-publicized and the more hidden discounts that you may qualify for.

• Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
• Telematics Data Discounts – Insureds who allow their company to spy on when and where they use their vehicle by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they exhibit good driving behavior.
• Driver Education Discount – Require your teen driver to enroll in driver’s education in high school.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Forester insurance than drivers with accident claims.
• Seat Belt Discounts – Requiring all passengers to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
• Senior Citizen Rates – Drivers over the age of 55 can get better car insurance rates for Forester insurance.
• Defensive Driver Discount – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
• Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.

It’s important to note that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free car insurance policy, companies don’t profit that way.

Companies and a selection of discounts are detailed below.

• State Farm discounts include driver’s education, student away at school, multiple autos, good driver, and defensive driving training.
• Geico offers premium reductions for seat belt use, multi-vehicle, membership and employees, five-year accident-free, multi-policy, and anti-theft.
• Allstate offers discounts including utility vehicle, EZ pay plan discount, early signing, economy car, resident student, farm vehicle, and senior citizen.
• SAFECO has savings for teen safe driver, safe driver, multi-car, homeowner, teen safety rewards, anti-theft, and drive less.
• Farm Bureau policyholders can earn discounts including youthful driver, multi-policy, 55 and retired, good student, safe driver, driver training, and multi-vehicle.
• Progressive may offer discounts for online signing, homeowner, online quote discount, multi-vehicle, good student, continuous coverage, and multi-policy.
• AAA has discounts for good student, education and occupation, pay-in-full, anti-theft, multi-policy, good driver, and AAA membership discount.

If you need cheap auto insurance quotes, ask each company which discounts you qualify for. Savings might not apply in your state. If you would like to choose from a list of car insurance companies that can offer you the previously mentioned discounts, click this link.

Do drivers who switch really save?

Respected companies like Allstate and Progressive regularly use ads on television and other media. All the ads say the same thing that you’ll save big just by moving your policy. How can each company make the same claim? You have to listen carefully.

Different companies have an ideal profile for the right customer that makes them money. For example, a desirable risk could be between the ages of 30 and 50, has no claims, and the vehicle is rated for pleasure use. A driver who fits that profile may get the lowest rates and most likely will cut their rates substantially.

Consumers who may not quite match these criteria will probably have to pay a higher premium which results in the customer buying from a different company. If you listen to the ad wording, they say “people who switch” not “all people who quote” save money. That is how companies can claim big savings.

This really emphasizes why you really should get a wide range of price quotes. It is just not possible to predict which insurance companies will give you lower rates than your current company.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation will benefit from professional help.

• If my 2007 Subaru Forester is totaled, can I afford another vehicle?
• I have a DUI can I still get coverage?
• Which is better, split liability limits or combined limits?
• What happens if I owe more than my 2007 Subaru Forester is worth?
• Am I covered if I crash into my own garage door?
• Does coverage extend to my business vehicle?
• At what point should I drop full coverage?
• Do I have any recourse if my insurance company denies a claim?
• What is the rate difference between pleasure use and commuting?
• Am I missing any policy discounts?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance specifics

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a deer, damage from getting keyed, rock chips in glass and falling objects. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

This protects you from damage or injury you incur to other people or property. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as bail bonds, emergency aid, repair costs for stationary objects, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. 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, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are set the same as your liablity limits.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses like chiropractic care, doctor visits, nursing services and prosthetic devices. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Shop. Compare. Save.

Cost effective 2007 Subaru Forester insurance is possible online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not have the ability to get a quote online and usually these smaller companies prefer to sell through independent insurance agents.

When getting auto insurance quotes online, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at a price you can afford, not the least amount of coverage.

You just read many ways to compare 2007 Subaru Forester insurance premium rates online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies. These smaller insurers may only write in your state and offer lower prices than their larger competitors like Geico and State Farm.

Helpful resources

• Understanding Rental Car Insurance (Insurance Information Insitute)
• What Insurance is Cheapest for a Subaru Forester in Oklahoma City? (AutoGuardOKC.com)
• Information for Teen Drivers (Geico)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)