View 2016 Subaru Forester Car Insurance Rates

Want lower insurance rates for your Subaru Forester? Trying to find low-cost insurance for your Subaru Forester can normally be an all-consuming task, but you can use our insurance buying tips to save time.

There is a better way to buy insurance and you need to know the proper way to compare rates for your Subaru and find the lowest possible price from local insurance agents and online providers.

Smart consumers take time to get comparison quotes as often as possible due to the fact that insurance prices change regularly. Just because you had the best quotes for Forester coverage last year there is a good chance you can find better rates now. Forget all the misinformation about insurance because it’s time to teach you the best methods to save money, get proper coverage and the best rates.

Why smart consumers pay less for Subaru Forester insurance

Many different elements are part of the calculation when you get your auto insurance bill. Some are obvious like your driving record, but other factors are more obscure such as your credit history or your financial responsibility.

  • Pay more out-of-pocket – Physical damage insurance, also called ‘full coverage’, protects your Subaru from damage. A few examples of covered claims could be colliding with a building, collision with an animal, and damage from a fallen tree branch. The deductibles are the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. The more money you’re willing to pay, the lower your rates will be for Forester coverage.
  • Rate your vehicle for proper use – Driving a lot of miles annually the more you’ll pay to insure your vehicle. Most companies apply a rate based on how the vehicle is used. Autos that sit idle most of the time qualify for better rates than those used for commuting. An improperly rated Forester may be wasting your money. Double check that your insurance coverage policy properly reflects the proper vehicle usage.
  • Women pay lower costs – Over the last 30 years, statistics show women are more cautious behind the wheel. It does not mean females are better at driving than males. Both sexes cause auto accidents in similar numbers, but the men tend to have more serious accidents. Men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Excellent credit means lower premiums – Your credit rating factor in your rate calculation. Drivers who have high credit scores tend to be more responsible and file fewer claims than drivers with poor credit. If your credit rating is not that good, you could save money insuring your 2016 Subaru Forester by improving your rating.
  • City traffic equals higher premiums – Having an address in a rural area is a positive aspect when it comes to insurance coverage. Urban drivers regularly have more traffic problems and higher rates of accident claims. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.

Compare insurance quotes

Most larger insurance companies allow consumers to get insurance quotes online. Comparing rates online doesn’t take a lot of time as you simply type in the amount of coverage you want into the form. Behind the scenes, the system gets your driving record and credit report and returns a price determined by many factors.

Being able to quote online simplifies rate comparisons, but the time it takes to visit many different websites and fill out multiple forms can be a bit repetitive. But it is imperative to have as many quotes as possible if you are searching for better prices.

There is an easier way to compare rates

The easiest way to locate the lowest prices uses one simple form to obtain quotes from multiple companies. This type of form saves time, eliminates repetitive work, and makes online price comparison much simpler. Once the form is submitted, it gets priced and you are able to buy any of the returned quotes.

If you find a better price you simply finish the application and buy the policy. This process just takes a couple of minutes and you’ll know if lower rates are available.

To quickly use this form to compare rates, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you replicate the coverage information as close as possible to your current policy. Using the same limits helps guarantee you will have an apples-to-apples comparison based on the exact same insurance coverage.

Does car insurance advertising bend the truth?

Consumers get pounded daily by advertisements for the lowest price car insurance by Progressive, Geico, Allstate and State Farm. All the ads convey the message about savings if you just switch your car insurance policy to them.

How does each company lower your prices? Here is the trick they use.

Most companies are able to cherry pick for a prospective insured that makes them money. A good example of this type of insured might be a married female, has no prior claims, and drives newer vehicles. A propective insured that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save when switching.

Consumers who are not a match for this ideal profile must pay a more expensive rate which usually ends up with the customer not purchasing. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can make the claims of big savings.

That is why you really should compare price quotes frequently. It is impossible to predict the company that will provide you with the cheapest auto insurance rates.

Lower rate quotes with discounts

Car insurance is not cheap, but there’s a good chance there are discounts to reduce the price significantly. Many discounts should be triggered when you get a quote, but lesser-known reductions have to be manually applied before they will apply. If you do not check that you are getting every discount you qualify for, it’s possible you qualify for a lower rate.

  • Accident Free – Drivers with accident-free driving histories pay less compared to insureds who have frequent claims or accidents.
  • Waiver for an Accident – This one is not really a discount per se, but some companies like Allstate, State Farm and Geico allow you one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Driver Education Discount – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
  • Government Employee Discount – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for Forester coverage but check with your company.
  • Own a Home – Just owning your own home can save you money because maintaining a house demonstrates responsibility.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a insurance quote.
  • Senior Citizen Discount – If you’re over the age of 55, you can get a slight reduction on a insurance quote for Forester coverage.

One last thing about discounts, many deductions do not apply the the whole policy. Most cut individual premiums such as liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, you’re out of luck.

Companies and their possible discounts are outlined below.

  • Progressive may have discounts that include multi-vehicle, online quote discount, multi-policy, continuous coverage, homeowner, and online signing.
  • The Hartford has discounts for air bag, defensive driver, vehicle fuel type, driver training, and bundle.
  • Mercury Insurance offers discounts including age of vehicle, type of vehicle, low natural disaster claims, multi-policy, and ease of repair.
  • Geico offers discounts for five-year accident-free, membership and employees, anti-theft, air bags, and anti-lock brakes.
  • AAA may include discounts for AAA membership discount, pay-in-full, education and occupation, good student, multi-car, and anti-theft.
  • State Farm includes discounts for Steer Clear safe driver discount, safe vehicle, good driver, multiple policy, anti-theft, passive restraint, and driver’s education.

Before you buy a policy, ask every prospective company which discounts can lower your rates. A few discounts might not apply in your area. To see a list of insurance companies with discount rates, follow this link.

What is the best car insurance coverage?

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Should I buy full coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When would I need rental car insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • How many claims can I have before being cancelled?
  • Do I really need UM/UIM coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my trailer covered?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverages 101

Learning about specific coverages of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision – Collision coverage will pay to fix damage to your Forester resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, falling objects and a broken windshield. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability – Liability coverage can cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for 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. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, funeral expenses, attorney fees, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like funeral costs, surgery, nursing services and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

Drivers who switch companies do it for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, unfair underwriting practices or even delays in responding to claim requests. It doesn’t matter why you want to switch finding the right auto insurance provider can be easy and end up saving you some money.

Throughout this article, we presented quite a bit of information on how to shop for 2016 Subaru Forester insurance online. It’s most important to understand that the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Consumers may even find the best price on auto insurance is with a small mutual company.

When buying insurance coverage, never reduce needed coverages to save money. There have been many cases where someone dropped full coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost.

For more information, feel free to visit the resources below:

Comments About 2016 Subaru Forester Insurance

  1. Marilynn Parker

    If you don’t have tickets and live near Fargo, ND, check out 21st Century. They seem to be cheaper. I have kids on my policy, too. They offer free online rate quotes.

  2. Florencia Case

    Live in Owensboro, Kentucky. Not sure of all the companies but I ended up saving about $60 each month.

  3. Sadye Lynch

    If you don’t have tickets and are close to Billings, Montana, check out Allstate. You might save some money. Left MetLife to switch.

  4. Stefani Kline

    Not sure what I should be paying. I’m from New York City, New York. Went online for free insurance quotes for a 2016 Subaru Forester. Ended up at about $280 savings annually. Went with State Farm. Hardly afford to drive anymore.

  5. Carola Mcdonald

    I’m just north of Little Rock, AR. Not sure of all the companies but I ended up saving about $50 each month. Still almost need a second mortgage.

  6. Mendy Mcgowan

    Cheaper not always better. I live in a small town just outside of Anchorage, AK. Went online for free insurance quotes for a 2016 Subaru Forester. Ended up at about $200 savings annually. Went with Allstate.

  7. Sharlene West

    I found pretty cheap rate quotes for a 2016 Subaru Forester in Louisville, Kentucky. Ended up at darn near $100 every six months with Auto-Owners. Hopefully won’t need it. I used their online quote form to compare rates.

  8. Cassondra Nixon

    What are minimum liability limits required in Washington?

  9. Judith Pittman

    If you have a good history and live around Lewiston, ME, check out Progressive. You might save some money.

  10. Rozanne Dorsey

    I got a good deal I think. I’m just south of Madison, WI. Don’t remember every company but I ended up saving about $70 each month. Thankfully I have a good driving record.

  11. Latosha Cole

    It all costs too much. Live in the western part of Davenport, IA. Received quotes with Amica, Encompass, and Mercury for my Subaru and saved just over $120 a year. Get lots of quotes to find the best rate.

  12. Sharda Becker

    Good site, thanks. I’m in the south part of Salem, Oregon. Don’t remember every company but I ended up saving about $40 each month. Get lots of quotes to find the best rate.

  13. Melanie Mclaughlin

    It’s all a rip off. I live on the east side of Las Cruces, New Mexico. I quoted with 21st Century, American Family, Farmers, and The General for my Forester and saved just over $90 a year. I have a couple other vehicles on the policy. It’s easy to compare rates online now.