How Much Does 2015 Subaru Forester Insurance Cost?

Want lower car insurance rates for your Subaru Forester? When shopping for more affordable insurance, do you get frustrated by the sheer number of car insurance sources available to you? You have so many options that it can easily become a difficult challenge to find better rates.

It’s important to check car insurance prices every six months since insurance prices are usually higher with each renewal. Just because you had the lowest quotes on Forester coverage last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re going to learn the fastest and easiest way to find better rates and still maintain coverage.

If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. This article will help educate you on how to effectively get price quotes and some tips to save money. Although drivers do need to understand the way companies determine prices and use this information to your advantage.

Compare auto insurance quotes

The are a couple different ways of comparing rate quotes from many different insurance companies. The easiest way to find competitive 2015 Subaru Forester insurance rates is to use the internet to compare rates. This can be done in a couple minutes as outlined below.

The best way to find low rates is a comparison rater form click to view form in new window. This method eliminates the need for boring form submissions for every prospective company. Just one form compares rates from many national carriers.It’s the quickest way to get rates.

A more difficult way to analyze rates is to manually visit the website for every company you want to comare and fill out a new quote form. For sake of this example, we’ll pretend you need rates from GEICO, Farmers and Progressive. In order to compare rates, you need to navigate to each company’s site and enter your policy data, which is why the first method is quicker. For a list of companies in your area, click here.

Whichever way you use, try to use apples-to-apples quote information for each comparison quote. If the quotes have different data you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages may cause a big price difference. And when quoting auto insurance, remember that having more price comparisons will enable you to find the best offered rates.

Subaru Forester insurance prices can be more affordable

It’s important that you understand some of the factors that help calculate the price you pay for car insurance. When consumers understand what determines premiums, this allows you to make good choices that could result in cheaper rates.

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

  • Excellent credit means lower prices – An insured’s credit rating is likely to be a major factor in determining your rates. People that have very good credit scores tend to be better risks to insure as compared to drivers with poor credit. If your credit rating could use some work, you could potentially save money when insuring your 2015 Subaru Forester by spending a little time repairing your credit.
  • Little extras can really add up – Insurance companies have many add-on coverages that you can buy if you aren’t diligent. Things like vanishing deductibles, accident forgiveness, and motor club memberships are probably not needed. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
  • Discounts for multiple policies – Lots of companies afford discounts for people who buy several policies from them such as combining an auto and homeowners policy. Even with this discount applied, you may still want to comparison shop to help guarantee you have the best rates.
  • Safer the car lower the rate – Cars with five star safety ratings are cheaper to insure. The safest vehicles reduce occupant injuries and better occupant protection means your insurance company pays less which can result in lower premiums. If your Subaru Forester scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Rates impacted by vehicle usage – The more you drive your Subaru annually the higher the price you pay to insure it. Most insurance companies rate vehicles partially by how you use the vehicle. Vehicles not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your car insurance policy reflects the proper vehicle usage, because improper ratings can cost you money. Improper usage on your Forester can result in significantly higher rates.
  • Tickets increase premiums – Having a single chargable violation may cause rates to rise forty percent or more. Careful drivers pay lower auto insurance prices as compared to careless drivers. Drivers who have received dangerous violations like reckless driving or DUI may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to keep their license.
  • Cheaper prices for prior coverage – Not maintaining insurance is not a good idea and as a result your rates will increase for letting your coverage cancel without a new policy in place. Not only will rates go up, not being able to provide proof of insurance will get you fines and jail time. You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Find hidden discounts to get affordable insurance coverage rates

Companies offering auto insurance do not list all available discounts very clearly, so the list below details both well-publicized and the harder-to-find credits that you can use to lower your rates.

  • Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% on Forester coverage depending on your company.
  • Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems could see savings up to 30%.
  • Defensive Driving Course – Completing a safe driver course could possibly earn you a 5% discount depending on where you live.
  • Save over 55 – Seniors may receive reduced rates on Forester coverage.
  • E-sign – A handful of companies provide a small discount just for signing your application online.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
  • Bundled Policy Discount – If you insure your home and vehicles with one insurance company you may earn over 10 percent off each policy depending on the company.
  • Military Deployment Discount – Having a deployed family member could qualify you for better premium rates.
  • Distant College Student Discount – Kids who live away from home at college and do not have a car could qualify for this discount.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, companies don’t profit that way.

Companies and their offered discounts are detailed below.

  • GEICO offers premium reductions for five-year accident-free, military active duty, good student, multi-vehicle, defensive driver, and multi-policy.
  • Mercury Insurance offers discounts for multi-car, annual mileage, professional/association, multi-policy, and accident-free.
  • Farmers Insurance has discounts for bundle discounts, distant student, early shopping, youthful driver, teen driver, and multi-car.
  • Auto-Owners Insurance may have discounts that include safe vehicle, teen driver, group or association, anti-theft, and paid in full.
  • Liberty Mutual offers discounts including safety features, new graduate, preferred payment discount, good student, multi-car, new move discount, and newly married.
  • SAFECO has savings for anti-theft, homeowner, anti-lock brakes, teen safe driver, teen safety rewards, and safe driver.
  • Progressive discounts include online signing, multi-policy, multi-vehicle, homeowner, continuous coverage, and online quote discount.
  • USAA policyholders can earn discounts including loyalty savings, defensive driver, annual mileage, driver training, and multi-vehicle.

When getting a coverage quote, ask every prospective company which discounts they offer. Some discounts might not be available to policyholders in your area. To locate providers that have a full spectrum of discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I getting all the discounts available?
  • Am I covered if I wreck a rental car?
  • Do I need more liability coverage?
  • How does medical payments coverage work?
  • What is medical payments coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

The coverage is in the details

Knowing the specifics of auto insurance can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills for things like X-ray expenses, chiropractic care, dental work and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 2015 Subaru Forester.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance

This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, structural damage, repair costs for stationary objects and pain and suffering. How much coverage you buy is a personal decision, but buy higher limits if possible.

Auto collision coverage

This pays for damage to your Forester caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, hail damage, damage from a tornado or hurricane and fire damage. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More quotes mean more savings

Throughout this article, we presented many ideas to shop for 2015 Subaru Forester insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for a variety of reasons including lack of trust in their agent, delays in paying claims, high prices and delays in responding to claim requests. Regardless of your reason, switching companies can be pretty painless.

Cheaper 2015 Subaru Forester insurance is available online as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some companies don’t offer rate quotes online and most of the time these smaller providers only sell through independent agencies.

Helpful information

Comments About 2015 Subaru Forester Insurance

  1. Kathey Santiago

    From Nampa, Idaho, and GEICO rates were best. Even increased my liability limits. They offer free online rate quotes.

  2. Latonia Conley

    I’m in the south part of Gulfport, MS. Quoted quotes with GEICO, Erie, and The General for my 2015 Subaru Forester and saved $117 a year. Insured with AAA before.

  3. Carley Dillon

    Great info, thanks for posting. Got a quote with State Farm for my 2015 Subaru Forester and saved about $100 a year. Are quotes cheaper online?

  4. Dan Gonzalez

    Anyone find cheap rates around Phoenix, AZ?

  5. Merrill Snow

    I’m in the south part of Salem, OR. Quoted prices online for a 2015 Subaru Forester. Ended up at about $220 savings annually. Went with GEICO. I have several vehicles insured with them.

  6. Marnie Huffman

    I live north of Oklahoma City, Oklahoma. Can’t remember who all I quoted but I ended up saving about $20 each month.

  7. Shaniqua Murphy

    Cheap is not always the best policy. Got a quote with Farmers for my 2015 Subaru Forester and cut my rates about $250 a year. Even increased my liability limits.

  8. Stephen Olsen

    If you have a clean record and live near Kansas City, MO, check out Allstate. You might get cheaper rates. Just go online and compare their rates.

  9. Ping Whitfield

    This is too expensive. From northwest of Bangor, ME. Don’t remember every company but I ended up saving about $20 each month. I have a couple other vehicles on the policy. I got a quote from their website.

  10. Trish Duffy

    Good site, thanks. I live just outside Mesa, AZ. Compared rates from a lot of places. Saved roughly $70 a month. Allstate was the cheapest for me. Have an at-fault accident tho. Are quotes cheaper online?

  11. Helaine Le

    I found affordable 2015 Subaru Forester insurance from State Farm in Rio Rancho, NM.

  12. Daren Romero

    I got decent rates for a 2015 Subaru Forester in Lewiston, Maine. Ended up at darn near $160 every six months with Auto-Owners. Not sure if rates are cheaper online or through an agent.

  13. Kasie Cooper

    IT’S ALL TOO EXPENSIVE! I live just to the east of Wichita, KS. Quoted with American Family, Mercury, and Western Auto Insurance for my Subaru and I think I saved about $40 each month. BTW speeding tickets are not good. It’s easy to compare rates online now.

  14. Juliana Bailey

    Does State Farm insure after a DUI?

  15. Sabine Morales

    Went with Hanover for my 2015 Subaru Forester and cut my rates about $210 a year. Thankfully I’m not a high risk driver. It’s still not cheap enough.