2011 Subaru Forester Insurance Quotes – 7 Ideas for Cheapest Rates

Did budget coverage turn out to be overpriced car insurance? Trust us, there are many consumers feeling the pinch from expensive car insurance. Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer and get the definite lowest rate

If you have a current insurance coverage policy or are shopping for new coverage, you will benefit by learning to cut your premiums while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Vehicle owners only need an understanding of the most efficient way to compare price quotes over the internet.

How to get low cost insurance coverage

There are a lot of ways to compare insurance coverage prices but some are easier and takes less work. You could spend your day driving to insurance agencies in your area, or you could use the internet to get the quickest rates.

The majority of car insurance companies take part in a program where prospective buyers enter their coverage request one time, and at least one company can provide price quotes for coverage. This system prevents you from having to do quotation requests to each individual insurance coverage company.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to pricing coverage this way is that you can’t choose the companies to get pricing from. If you wish to select specific providers to compare, we have a listing of companies who write insurance coverage in your area. Click to view list.

Which method you use is up to you, but try to keep identical deductibles and coverage limits on every quote. If you are comparing different limits and deductibles on each one it will be next to impossible to get a fair rate comparison.

Do you qualify for these seven discounts?

Buying insurance coverage is not cheap, but there could be available discounts that may help make it more affordable. Many discounts should be triggered when you get a quote, but some must be requested specifically before they will apply.

  • Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of up to 20% and get you cheaper auto insurance.
  • Home Ownership Discount – Simply owning a home may trigger a policy discount on insurance coverage because maintaining a house means you have a higher level of financial diligence.
  • Good Grades Discount – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Low Mileage – Keeping the miles down on your Subaru can earn cheaper rates.
  • Switch and Save Discount – Some insurance coverage companies reward drivers for switching companies before your current expiration date. It can save you around 10%.
  • Online Discount – A few companies will give you a small discount get auto insurance over the internet.
  • Accident Forgiveness – Not really a discount, but certain companies will turn a blind eye to one accident before raising your premiums if you are claim-free for a specific time period.

As a sidenote, most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, you’re out of luck.

Popular insurance coverage companies and their possible discounts are outlined below.

  • American Family has discounts for mySafetyValet, air bags, bundled insurance, good driver, early bird, and TimeAway discount.
  • Farm Bureau policyholders can earn discounts including multi-policy, youthful driver, 55 and retired, safe driver, and driver training.
  • State Farm has savings for good driver, multiple policy, passive restraint, safe vehicle, and multiple autos.
  • Travelers offers premium reductions for multi-car, continuous insurance, student away at school, hybrid/electric vehicle, and early quote.
  • The Hartford may offer discounts for bundle, driver training, good student, anti-theft, and vehicle fuel type.
  • GEICO may include discounts for anti-lock brakes, air bags, anti-theft, membership and employees, and daytime running lights.
  • Progressive discounts include multi-policy, good student, continuous coverage, multi-vehicle, homeowner, online quote discount, and online signing.

Check with every insurance company which discounts they offer. Some discounts may not apply in every state. To locate insurers that offer the discounts shown above, click here.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether or not you might need professional guidance.

  • What is the difference between comprehensive and collision coverage?
  • How can I find cheaper teen driver insurance?
  • Can I afford low physical damage deductibles?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when pulling a rental trailer?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Comprehensive auto insurance

Comprehensive insurance 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 coverage protects against claims such as hitting a deer, damage from flooding, theft, a broken windshield and hitting a bird. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, driving through your garage door, hitting a mailbox, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2011 Subaru Forester.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other people or property. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair costs for stationary objects, structural damage, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like nursing services, EMT expenses and hospital visits. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Spend less. Save more.

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at a price you can afford.

Low-cost 2011 Subaru Forester insurance can be bought both online as well as from independent agents, so you need to shop auto insurance with both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and usually these regional insurance providers only sell through independent agencies.

More detailed auto insurance information can be found in the articles below:

Comments About 2011 Subaru Forester Insurance

  1. Stephenie Griffith

    I’m looking for cheaper coverage. I’m in the suburbs of Fort Smith, AR. I quoted with Auto-Owners, MetLife, and Western Auto Insurance for my 2011 Subaru Forester and cut my rates about $120 a year. Highly recommended.

  2. Grisel Holt

    All companies are crooks. I live on the west side of Worcester, MA. Quoted with Mercury, Erie, State Farm, and Amica for my Forester and I think I am saving around $50 each month. Even increased coverage a bit. Can still barely afford it.

  3. Shayne Ellis

    I’m looking for cheaper coverage. Proud to be from Warwick, RI. Quoted quotes with State Farm, Amica, Eastwood, and Hanover for my Forester and I’m now saving $17 a month. God forbid I actually have a claim.

  4. Floria Duffy

    Well-written and thought out article. From east side of Raleigh, NC. I got free quotes with Allstate, Hanover, and Erie for my Subaru and saved $241 a year. Left Allstate to switch. My new agent seems to be really good.

  5. Earl Ramos

    I found cheap 2011 Subaru Forester insurance in San Diego, California with GEICO.

  6. Page Calhoun

    Will State Farm do a SR22 in Albuquerque, NM?

  7. Coralee Miranda

    I live just outside Springfield, Missouri. Went online for free insurance quotes for a 2011 Subaru Forester. Ended up at about $290 savings annually. Went with 21st Century. Even increased coverage a bit. Are quotes cheaper online?

  8. Livia Miles

    If you have a good history and live near Tacoma, Washington, check out 21st Century. You might get cheaper rates. Was with Esurance.

  9. Zina Potts

    Well-written and thought out article. From south side of Frederick, Maryland. Received rates from Allstate, AIG Insurance, and Encompass for my 2011 Subaru Forester and I’m now saving $41 a month.

  10. Consuelo Merrill

    If you’re from Shreveport, LA get quotes from State Farm and Progressive and you might save.

  11. Kena Jacobson

    I’m in the west part of Detroit, MI. I got free quotes from AAA, Sentry, and some smaller one I can’t remember the name of for my 2011 Subaru Forester and saved about $440 a year.

  12. Evelyne Wolfe

    This is too expensive. I live on the south side of San Jose, California. I don’t recall every quote but I ended up saving about $50 each month.

  13. Joanne Koch

    Cheaper not always better. From Buffalo, NY. Received rates from AIG Insurance, Erie, and Nationwide for my Forester and am saving around $150 a year. I have a couple other vehicles on the policy.

  14. Oscar Kent

    Well-written and thought out article. I live in a small town just outside of Gulfport, Mississippi. Compared rates from a lot of places. Saved darn near $20 a month. 21st Century was the best choice for me. Even increased coverage a bit.