View 2003 Subaru Forester Car Insurance Quotes

Having to pay for overpriced Subaru Forester insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill.

Insurance companies such as Allstate, Progressive and Geico promote their brand names with ad campaigns and consumers find it hard to ignore the promise of big savings and find the best price available.

If you currently have car insurance, you will be able to save some money using this strategy. Buying car insurance is easy if you know what you’re doing. Although vehicle owners must understand how the larger insurance companies price insurance differently because it can help you find the best coverage.

Save on 2003 Subaru Forester insurance

Auto insurance companies don’t list all available discounts in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find auto insurance savings.

Discount for Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.
Government Employees – Simply working for the federal government could cut as much as 10% off on Forester coverage with select insurance companies.
Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

Insurance companies that may have these money-saving discounts include:

It’s a good idea to ask each insurance company how you can save money. Some discounts may not be available in your area.

How to Get Insurance

Comparing insurance rates can take time and effort if you don’t know the most efficient way to do it. You could waste time driving to local insurance agents in your area, or you could use the web to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that enables customers to complete one form, and each company provides a quote. This system prevents you from having to do quote forms for each company.

To fill out one form to compare multiple rates now click here to open in new window.

The only downside to comparing rates this way is buyers cannot specifically choose which carriers to get quotes from. So if you want to choose specific insurance companies to compare rates, we put together a list of insurance companies in your area. Click here to view list.

Whichever method you choose, be sure to compare apples-to-apples deductibles and coverage limits for every company. If your comparisons have differing limits then you won’t be able to truly determine the lowest rate. Quoting even small variations in insurance coverages could mean much higher rates. It’s important to know that comparing more company’s prices will increase your chances of finding lower pricing.

Impacting insurance rates for a Subaru Forester

Consumers need to have an understanding of the factors that go into determining insurance coverage rates. Having a good understanding of what influences your rates allows you to make educated decisions that could result in lower insurance coverage prices.

Do you have a high stress job? – Did you know your job can affect your rates? Occupations like doctors, architects and financial analysts have higher average rates because of stressful work requirements and lengthy work days. Conversely, occupations such as pilots, engineers and homemakers get better rates on Forester coverage.
Clean credit earns discounts – Your credit history is a important factor in your rate calculation. If your credit history is not that good, you could pay less to insure your 2003 Subaru Forester by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.
How your age affects price – More mature drivers are more responsible, file fewer claims and tend to be better behind the wheel. Youthful drivers are statistically proven to get distracted easily when driving and because of this, their insurance coverage rates are much higher.
Higher deductibles cost less – Physical damage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply are running into the backend of another car, damage from fire, and windstorm damage. The more you are required to pay out-of-pocket, the lower your rates will be on Forester coverage.
Bundling policies can get discounts – The majority of companies will award you with lower prices to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you may still want to comparison shop to verify if the discount is saving money.

Tailor your coverage to you

When buying the best insurance coverage coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help highlight whether you might need an agent’s assistance.

Does coverage extend to my business vehicle?
Can I pay claims out-of-pocket if I buy high deductibles?
Are there companies who specialize in insuring high-risk drivers?
Do I pay less if my vehicle is kept in my garage?
What is high-risk coverage and where do I buy it?
Is my teenager covered with friends in the car?
Is my custom paint covered by insurance?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Do auto insurance companies bend the truth?

Auto insurance providers like Allstate and Progressive constantly bombard you with television and radio advertisements. They all say the same thing about savings if you switch your coverage to them. How do they all claim to save you money?

Insurance companies can use profiling for the type of customer that earns them a profit. An example of a profitable customer might be profiled as between 30 and 50, has no tickets, and drives newer vehicles. A driver who matches those parameters will get the preferred rates and therefore will save quite a bit of money when switching.

Consumers who don’t meet the requirements must pay more money and this can result in business not being written. The ads say “customers who switch” not “people who quote” save money. That is how insurance companies can state the savings. This illustrates why you need to get quotes from several different companies. You cannot predict which company will have the lowest Subaru Forester insurance rates.

Car insurance specifics

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2003 Subaru Forester.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, vandalism and damage from flooding. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

Liability coverage will cover damage that occurs to other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like repair costs for stationary objects, structural damage, medical expenses, emergency aid and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses for things like hospital visits, rehabilitation expenses, nursing services, chiropractic care and ambulance fees. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This coverage pays for damage to your Forester caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

In the end, you save

Affordable 2003 Subaru Forester insurance is available online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

We’ve covered a lot of ways to lower your insurance rates. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the best price on insurance coverage is with a small mutual company. Some small companies can often provide lower rates in certain areas compared to the large companies like Geico and State Farm.