2017 Subaru Forester Insurance Rates – 10 Tricks for Best Quotes

Looking for cheaper auto insurance rates for your Subaru Forester? Finding cheaper insurance for a new or used Subaru Forester can turn out to be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to quote coverages for a new or used Subaru and locate the best price possible.

It’s smart to shop coverage around quite often because insurance rates tend to go up over time. Despite the fact that you may have had the best rate on Forester coverage a year ago there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because it’s time to teach you how to use the internet to save money, get proper coverage and the best rates.

Compare insurance coverage price quotes

Finding a better price on insurance coverage is a fairly straight forward process. All you need to do is invest a little time to compare free auto insurance quotes online from several insurance companies. Price comparisons can be done by following the guidelines below.

• Experts agree that the best way to find low rates would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing separate forms for every company. Completing one form gets prices estimates from all major companies. This is perfect if you don’t have a lot of time.
• A less efficient way to shop for insurance coverage online is going to the website for every company you want to comare and request a quote. For example, let’s say you want to compare prices for USAA, Progressive and Allstate. To get each rate you have to navigate to each company’s site to enter your coverage information, which explains why we recommend starting with the first method.

  For a list of companies in your area, click here.

However you get your quotes, be certain you are entering the exact same quote information on every quote. If you are comparing higher or lower deductibles it will be nearly impossible to make a fair rate comparison.

Situations that may require an agent’s advice

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Is motorclub coverage worth it?
• Are my tools covered if they get stolen from my vehicle?
• Does my liability insurance cover pulling a trailer or camper?
• Who is covered by my policy?
• How much liability insurance is required?
• Do I need higher collision deductibles?
• Should I sign the liability waiver when renting a car?
• Am I covered when driving a rental car?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, vandalism, fire damage and damage from flooding. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

This can cover injuries or damage you cause to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as funeral expenses, emergency aid and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses for things like funeral costs, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Subaru Forester.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.