2012 Subaru Forester Insurance Cost – 9 Ways to Save

Trying to find cheaper car insurance rates for your Subaru Forester? There isn’t a single person who enjoys paying for car insurance, in particular when their premiums are through the roof.

Due to the increasing number of insurance companies to choose from, it can be challenging to pick a lower cost car insurance provider.

Compare insurance coverage rates

Comparing insurance coverage rates is a ton of work if you don’t understand the easiest way. You can waste hours driving to local insurance agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Many companies take part in a program where insurance shoppers send in one quote, and each participating company then returns a price quote. This eliminates the need for repetitive form submissions to each company.

To submit your quote information now, click here to start a free quote.

The single downside to getting quotes like this is you cannot specify the companies you will receive quotes from. So if you prefer to pick individual companies to receive pricing from, we have a page of insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but compare apples-to-apples deductibles and coverage limits for every quote you compare. If your comparisons have unequal deductibles or liability limits it will be impossible to determine which company has the best rates. Slightly different coverages could throw off the whole comparison. And when quoting insurance coverage, remember that comparing a wide range of rates increases the change that you will find the best price. Not every company provides online price quotes, so it’s recommended that you also compare prices from them as well.

More discounts mean cheap premiums

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. A few discounts will be applied at the time of quoting, but lesser-known reductions have to be specifically requested before you will receive the discount.

• ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can avoid accidents so you can save 10 percent or more.
• Passive Restraints and Air Bags – Factory air bags can receive discounts of 20 to 30 percent.
• Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
• Claim Free – Insureds who avoid accidents and claims can save substantially in comparison to drivers who are more careless.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out some life insurance in addition to your auto policy.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts could save 15% on medical payment and PIP coverage.
• Bundle and Save – When you have multiple policies with the same company you may earn up to 20% off your total premium.
• Student in College – Kids who are enrolled in higher education away from home and don’t have a car can be insured at a reduced rate.
• Professional Organizations – Having an affiliation with a civic or occupational organization may earn a discount on car insurance.

Just know that some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, it doesn’t quite work that way.

A list of car insurance companies and a selection of discounts can be read below.

• State Farm includes discounts for passive restraint, good driver, Drive Safe & Save, driver’s education, and defensive driving training.
• Esurance may have discounts that include anti-theft, Switch & Save, online shopper, anti-lock brakes, and good student.
• Progressive may offer discounts for homeowner, good student, online quote discount, multi-vehicle, and multi-policy.
• Liberty Mutual has discounts for preferred payment discount, safety features, teen driver discount, new vehicle discount, good student, and newly retired.
• Auto-Owners Insurance offers discounts for multiple vehicles, multi-policy, paperless, paid in full, student away at school, and company car.
• Geico may include discounts for defensive driver, anti-theft, military active duty, driver training, seat belt use, and membership and employees.

If you want cheap car insurance quotes, ask every insurance company how many discounts you can get. Some credits might not be offered on policies in your area.

It’s not one size fits all

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. These are some specific questions can aid in determining whether or not you will benefit from professional help.

• Where can I find DUI or SR-22 insurance?
• Is my Subaru Forester covered if I use it for business?
• What if I don’t agree with a claim settlement offer?
• Do I need more liability coverage?
• Should I have a commercial auto policy?
• Is a fancy paint job covered?
• Do I really need UM/UIM coverage?
• I have health insurance so do I need medical payments coverage?
• Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverage considerations

Knowing the specifics of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for expenses for rehabilitation expenses, nursing services, EMT expenses, dental work and hospital visits. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Subaru Forester.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability insurance – This coverage will cover damage or injury you incur to people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as emergency aid, medical services, legal defense fees, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Collision coverage – This covers damage to your Forester resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, damaging your car on a curb, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, damage from a tornado or hurricane, vandalism, hitting a bird and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.