2013 Subaru Forester Car Insurance Quotes

Locating better insurance prices for a new or used Subaru Forester can be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to compare car insurance rates so you’re going to learn the absolute fastest way to get price quotes for a Subaru and locate the cheapest rates either online or from local insurance agents.

Cut insurance costs with these tips

Smart consumers have a good feel for some of the factors that aid in calculating your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that may reward you with big savings.

The itemized list below are a few of the things that factor into premiums.

• Only buy coverage you need – Insurance policies have a lot of additional extra coverages that you can buy on your insurance policy. Insurance for rental car coverage, accident forgiveness, and extra equipment coverage are examples of these. They may seem good initially, but if you don’t need them eliminate them to save money.
• Does your job raise your rates? – Occupations such as doctors, executives and stock brokers are shown to have the highest rates because of high stress levels and extremely grueling work hours. Other jobs such as actors, athletes and performers get better rates on Forester insurance.
• Keep prices low by being claim-free – If you are the type of insured that files lots of claims you shouldn’t be surprised to get much higher rates or policy non-renewal. Insurance companies provide lower rates to people who do not file claims often. Your car insurance is intended for claims that you cannot pay yourself.
• Get cheaper premiums after the wedding – Getting married may save some money when buying insurance. Marriage means you’re more mature than a single person and insurance companies reward insureds because being married results in fewer claims.
• Vehicles with better crash test results cost less to insure – Safe vehicles get lower rates. Safe vehicles help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims which can mean better rates for you. If your Subaru is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• Combine policies with the same company – The majority of companies will give a discount to policyholders that buy multiple policies. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to comparison shop to ensure the best deal.There is a chance you can find better rates by splitting coverages up.
• Guys are more aggressive – Statistics demonstrate females are less aggressive when driving. However, don’t assume that men are WORSE drivers than women. Both genders cause accidents in similar percentages, but the male of the species have accidents that have higher claims. In addition to higher claims, males also get cited for more serious violations like DUI and reckless driving.
• Bad credit will cost you – Credit score can be a huge factor in determining your rates. Therefore, if your credit leaves room for improvement, you could save money insuring your 2013 Subaru Forester by taking the time to improve your credit score. People that have high credit scores tend to file fewer claims and have better driving records than drivers with lower ratings.

Pay discount rates these discounts

Some companies do not list all disounts in a way that’s easy to find, so the following is a list of a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.

• Early Switch Discount – A few larger companies allow discounts for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more.
• Telematics Devices – Insureds that choose to allow their insurance coverage company to look at driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they have good driving habits.
• Defensive Driver – Successfully completing a course teaching defensive driver skills could earn you a small percentage discount and easily pay for the cost of the class.
• Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote insurance on Forester insurance depending on your insurance coverage provider.
• Active Military Service – Being on active duty in the military could mean lower prices.
• Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies allow you one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
• Homeowners Savings – Owning a house can help you save on insurance coverage because it is proof of financial responsibility.

Please keep in mind that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works. But all discounts will reduce the premium cost.

Large insurance coverage companies and their possible discounts can be found below.

• Mercury Insurance discounts include accident-free, age of vehicle, ease of repair, type of vehicle, and good driver.
• Farmers Insurance offers premium reductions for multi-car, electronic funds transfer, good student, early shopping, business and professional, and homeowner.
• Farm Bureau policyholders can earn discounts including 55 and retired, driver training, safe driver, good student, and renewal discount.
• State Farm may have discounts that include accident-free, defensive driving training, multiple autos, anti-theft, passive restraint, and Steer Clear safe driver discount.
• Allstate includes discounts for good student, premier plus, farm vehicle, multi-policy, economy car, and safe driver.
• Geico offers discounts for defensive driver, five-year accident-free, membership and employees, anti-lock brakes, multi-policy, and anti-theft.

When getting free insurance quotes, it’s a good idea to all companies you are considering the best way to save money. All car insurance discounts might not apply in every state. For a list of companies with discount insurance coverage rates, click this link.

Save $457 a year. For real?

Consumers can’t avoid all the ads for the lowest price insurance from the likes of Allstate and Progressive. All the companies make an identical promise that drivers can save some big amount just by switching your coverage.

Is it even possible that every company can lower your prices? You have to listen carefully.

Most companies provide the lowest rates for the type of insured that will add to their bottom line. An example of a preferred risk may be between the ages of 30 and 50, carries full coverage, and does not commute to work. Anybody who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Drivers who fall short of the requirements may receive higher prices and this can result in the prospect going elsewhere. If you listen closely, the ads state “customers that switch” not “all people who quote” will save that much if they switch. That’s why companies can claim big savings.

Because every company is different, it is so important to compare rate quotes every year. It’s impossible to know which insurance companies will have the best rates for your profile.

Special considerations

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your insurance needs will benefit from professional help.

• Do I have coverage for damage caused while driving under the influence?
• What is UM/UIM insurance?
• Do I need special endorsements for business use of my vehicle?
• Is other people’s property covered if stolen from my vehicle?
• Should I buy additional glass protection?
• Is my custom paint covered by insurance?
• Can I afford to pay high deductible claims out of pocket?
• What is the difference between comprehensive and collision coverage?
• Does coverage extend to a rental car in a foreign country?
• What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Insurance coverage considerations

Having a good grasp of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability coverage – Liability insurance can cover damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, medical services, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – Collision insurance covers damage to your Forester resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, hail damage, a broken windshield and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance – Med pay and PIP coverage kick in for expenses for things like rehabilitation expenses, prosthetic devices and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family 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 important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

A penny saved is a penny earned

In this article, we presented a lot of techniques to shop for 2013 Subaru Forester insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest prices come from a smaller regional carrier.

When getting insurance quotes online, make sure you don’t reduce coverage to reduce premium. There are many occasions where drivers have reduced collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Cost effective 2013 Subaru Forester insurance is attainable on the web in addition to local insurance agencies, and you need to price shop both to have the best selection. Some insurance providers don’t offer rates over the internet and most of the time these smaller providers only sell coverage through independent insurance agents.

Helpful resources

• Information for Teen Drivers (Geico)
• Coverage Information (Progressive Insurance)
• Older Driver Statistics (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)