Cheaper 2014 Subaru Forester Insurance Rates

Being forced to pay for expensive car insurance premiums can stress out your family’s budget and require stricter spending habits.

There is such a variety of insurance companies to buy insurance from, and although it’s nice to be able to choose, so many choices can make it hard to locate the cheapest rates.

Consumers need to price shop coverage before your policy renews since prices are adjusted regularly by insurance companies. Just because you found the best deal for Forester coverage a year ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use online quotes to remove unneeded coverages and save money.

This information will tell you how to get online quotes and some tricks to saving. If you currently have car insurance, you should be able to reduce your rates substantially using this information. But drivers must know how companies market on the web and take advantage of how the system works.

These discounts can cut auto insurance rates

Some insurance providers don’t always publicize the complete list of policy discounts in a way that’s easy to find, so we break down both the well known as well as some of the hidden credits available to you.

  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Accident Free – Insureds with no claims or accidents have much lower rates in comparison to frequent claim filers.
  • Theft Prevention System – Cars optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a insurance coverage quote.
  • Cautious Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Forester coverage than less cautious drivers.
  • Senior Citizens – Mature drivers may be able to get lower premium rates for Forester coverage.
  • Resident Student – Kids who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Military Deployment Discount – Having a family member in the military could qualify you for better rates.
  • Own a Home – Owning your own home or condo can earn you a little savings since home ownership means you have a higher level of financial diligence.
  • Low Mileage Discounts – Fewer annual miles on your Subaru may allow you to get substantially lower rates.
  • Telematics Devices – People who choose to allow their insurance company to spy on their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as the data is positive.

Remember that some of the credits will not apply the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

Larger auto insurance companies and some of their more popular discounts are:

  • State Farm discounts include multiple autos, good driver, safe vehicle, multiple policy, and student away at school.
  • GEICO has discounts for good student, defensive driver, military active duty, emergency military deployment, anti-lock brakes, air bags, and anti-theft.
  • Liberty Mutual offers discounts for preferred payment discount, new graduate, new move discount, newly retired, and teen driver discount.
  • The Hartford policyholders can earn discounts including air bag, bundle, driver training, vehicle fuel type, and defensive driver.
  • MetLife includes discounts for good student, claim-free, multi-policy, good driver, accident-free, defensive driver
  • Progressive has savings for multi-policy, multi-vehicle, continuous coverage, good student, and online signing.

If you need lower rates, check with every company to apply every possible discount. Discounts may not be available in your state. If you would like to see a list of insurance companies who offer cheap auto insurance quotes, click this link.

How to buy insurance coverage online

When shopping for insurance coverage there are multiple ways to obtain and compare prices from insurance coverage companies in your area. By far the easiest way to do a complete rate comparison is simply to get online rate quotes. It’s really quite simple and can be done by using one of the methods below.

  1. If you are pressed for time, the simplest way to find low rates is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating multiple quote forms for each company. One simple form gets you price quotes from insurance coverage companies with the best prices.
  2. A less efficient way to get quotes online requires visiting the website of each company to request a price quote. For instance, we’ll pretend you want rates from Farmers, Progressive and American Family. To get rate quotes you would need to visit each site and type in your information over and over, which can take a lot of time. For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, be sure you’re using apples-to-apples coverage limits for each price quote. If you use different deductibles it will be nearly impossible to determine which rate is truly the best. Even a minor difference in limits can mean a large discrepancy in price. It’s important to know that comparing a wide range of rates helps you find the best price. Some companies don’t provide online quotes, so you also need to get price estimates from those companies as well.

Lower insurance rates with these tips

Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. When you understand what impacts premium levels, this allows you to make educated decisions that could help you find big savings.

  • Better drivers pay less – Good drivers tend to pay less for car insurance compared to bad drivers. Even one moving violation can boost insurance rates by twenty percent. Drivers who get flagrant tickets like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state’s department of motor vehicles in order to keep their license.
  • Vehicle features that lower auto insurance rates – Selecting a car model with advanced anti-theft systems can help bring down rates. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent vehicle theft.
  • Are you male or female? – Statistics have proven females are less aggressive when driving. It does not mean females are better drivers. They both are in at-fault accidents at about the same rate, but the men tend to have higher claims. In addition to higher claims, males also receive more costly citations such as DWI and reckless driving.
  • Companies want multiple policies – Some auto insurance companies will give lower prices for people that have more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, you may still want to compare other insurance prices to confirm you are receiving the best rates possible.There is a chance you can save money by splitting coverages up.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. For example, these questions may help highlight whether you will benefit from professional help.

  • How much liability do I need to cover my assets?
  • What exactly is covered by my policy?
  • Can I afford to buy a different vehicle if my 2014 Subaru Forester is totaled?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is a blown tire covered by insurance?
  • How do I buy GAP insurance?
  • When should I buy a commercial auto policy?
  • Are my friends covered when driving my 2014 Subaru Forester?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage breakdown

Understanding the coverages of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.

Comprehensive coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, hitting a bird, damage from flooding and fire damage. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills for X-ray expenses, rehabilitation expenses, nursing services and dental work. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability insurance – This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like structural damage, bail bonds, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole, hitting a parking meter, rolling your car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2014 Subaru Forester.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Be a money saver!

Low-cost 2014 Subaru Forester insurance is available on the web and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money. A few companies may not offer internet price quotes and these small insurance companies only sell coverage through local independent agencies.

As you quote insurance coverage, you should never skimp on coverage in order to save money. In too many instances, an accident victim reduced collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to find the BEST coverage at an affordable rate while still protecting your assets.

Even more information can be read in the articles below:

Comments About 2014 Subaru Forester Insurance

  1. Lesley Olson

    I live west of Detroit, MI, and Progressive rates were best.

  2. Lanita Morin

    Does State Farm have good claim service?

  3. Johanna Harvey

    From a town just southwest of South Burlington, VT. Not sure of all the companies but I ended up saving about $70 each month. Insured with AIG Insurance before. I have several vehicles insured with them. Not sure if rates are cheaper online or not.

  4. Bernetta Brock

    Cheaper car insurance is a myth. I live on the south side of Colorado Springs, CO. Compared quite a few companies. Saved right around $60 a month. Progressive was the best choice for me. Insured with Allstate before. I even had a DUI years ago. Did it all online.

  5. Cecil Diaz

    Will Progressive raise rates for a rock chip claim?

  6. Aura Johnson

    Is GEICO or State Farm cheaper in Evansville, Indiana?

  7. Otelia Mcmahon

    From a town just southwest of Wichita, KS. Quoted with Allstate, AIG Insurance, and Erie for my 2014 Subaru Forester and saved just over $330 a year.

  8. Gregoria Floyd

    Went with Auto-Owners for my Subaru and am saving around $380 a year. :)

  9. Nedra Rocha

    Good site, thanks. I live just to the north of Los Angeles, CA. Received prices from AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my 2014 Subaru Forester and I think I saved around $40 each month. They offer free online rate quotes.

  10. Coreen Keller

    Does Alaska require a SR-22 after a DUI?

  11. Joseph Henson

    Like your site, BTW. I’m in Frederick, Maryland. Quoted with Amica, Nationwide, and some smaller one I can’t remember the name of for my 2014 Subaru Forester and saved just over $480 a year. They were helpful in switching over.

  12. Obdulia Hawkins

    Great site. From northwest of Shreveport, LA. Quoted prices online for a 2014 Subaru Forester. Ended up at about $110 savings annually. Went with 21st Century. I’m a pretty good driver though.

  13. Oswaldo Fulton

    For me, Progressive was by far the cheapest in Salt Lake City, Utah.