Save on 1998 Subaru Forester Insurance Rates

Sick and tired of being strong-armed to insure your Subaru every month? You’re in the same situation as many other consumers. Because you have many online and local companies to choose from, it can be challenging to pick the most cost effective insurance company.

Finding the best rates is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Drivers just need to learn the most effective way to shop their coverage around online.

Cut your auto insurance rates with discounts

Car insurance companies don’t necessarily list every available discount in an easy-to-find place, so we took the time to find both well-publicized and the more hidden auto insurance savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Student Driver Training – Require your teen driver to complete a driver education course in high school.
  • Payment Method – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Low Mileage Discounts – Fewer annual miles on your Subaru can earn lower rates on the low mileage vehicles.
  • Resident Student – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Accident Forgiveness – A handful of insurance companies allow you one accident without raising rates as long as you don’t have any claims for a set time period.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Sign Early and Save – Some companies give discounts for switching to them before your current expiration date. It can save you around 10%.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on Forester insurance depending on your company.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of companies with the best auto insurance discounts, click here to view.

Compare Quotes for Car Insurance

Most companies provide coverage price quotes on the web. This process is fairly simple as you just type in the coverages you want as requested by the quote form. When complete, the company’s rating system will obtain your driving and credit reports and generates a price based on many factors. This makes comparing rates easy, but the process of having to visit different websites and type in the same information is repetitive and time-consuming. But it is imperative to have as many quotes as possible in order to get a lower rate.

A quicker way to locate the lowest prices is to use a quote form to obtain quotes from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes quoting online much easier. Once the form is submitted, your coverage is rated and you can choose any or none of the returned quotes. If a lower price is quoted, you simply finish the application and purchase the new policy. It only takes a few minutes and may result in a nice savings.

In order to compare pricing, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you type in deductibles and limits as shown on your current policy. This ensures you are getting rate comparison quotes for similar insurance coverage.

You are unique and your auto insurance should be too

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • Is my 1998 Subaru Forester covered for flood damage?
  • How do I insure my teen driver?
  • Am I missing any policy discounts?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need higher collision deductibles?
  • Should I get collision insurance on every vehicle?
  • I have a DUI can I still get coverage?
  • Do I have coverage if my license is suspended?
  • Can my teen drive my company car?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Learning about specific coverages of insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses like doctor visits, X-ray expenses, hospital visits, prosthetic devices and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, falling objects, damage from flooding, damage from a tornado or hurricane and theft. The highest amount a insurance company will pay at claim time is the 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

Liability insurance protects you from damage that occurs to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things like repair bills for other people’s vehicles, repair costs for stationary objects, pain and suffering and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your Forester from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, scraping a guard rail, colliding with a tree and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Be Smart and Buy Smart

When shopping online for insurance coverage, you should never skimp on critical coverages to save a buck or two. There are many occasions where an insured cut liability coverage limits only to regret at claim time they didn’t have enough coverage. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Lower-priced 1998 Subaru Forester insurance is possible on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

In this article, we presented many tips how you can shop for insurance online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a lesser-known regional company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

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