2001 Subaru Forester Insurance Quotes – 9 Policy Discounts

Have you finally had enough of scraping nickels together to insure your Subaru every month? You have the same problem as many other consumers.

There are many insurers to buy insurance from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to get the best deal.

Smart consumers take time to compare premium rates every six months because car insurance rates are usually higher with each renewal. Just because you found the lowest rate for Forester coverage a couple years back you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the easiest ways to reduce your cost while increasing coverage.

How to find affordable car insurance

Most companies allow you to get coverage prices online. Obtaining pricing is very simple because you just enter your personal and coverage information as detailed in the form. Once you submit the form, their quoting system orders your driving record and credit report and generates a price based on the data you entered. Online quotes helps simplify price comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it is imperative to have as many quotes as possible in order to get a better rate.

A quicker way to compare car insurance pricing uses one form to obtain quotes from multiple companies. This type of form saves time, eliminates repetitive work, and makes online shopping much more efficient. After your information is entered, it is quoted and you can select your choice of the resulting price quotes. If you find a better price you can click and sign and purchase the new policy. It can be completed in a matter of minutes and you will know how your current rates stack up.

To use this form to compare rates, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you copy the coverages as close as possible to your current policy. This helps ensure you’re receiving comparison quotes using the same coverage and limits.

It’s not one size fits all

When choosing coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that These are some specific questions might help in determining whether you will benefit from professional help.

• Should I have combined single limit or split liability limits?
• Can my teen drive my company car?
• Does coverage extend to Mexico or Canada?
• I have a DUI can I still get coverage?
• Does my 2001 Subaru Forester qualify for pleasure use?
• Am I covered if I break a side mirror?
• Does my 2001 Subaru Forester need full coverage?
• Does my car insurance cover rental cars?
• Does insurance cover damages from a DUI accident?
• Should I get collision insurance on every vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance coverages for a 2001 Subaru Forester

Having a good grasp of insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Collision – Collision coverage covers damage to your Forester caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, crashing into a building, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for rehabilitation expenses, dental work, pain medications, X-ray expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, a broken windshield and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, structural damage, loss of income, attorney fees and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Subaru Forester.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.