2006 Subaru Forester Insurance Quotes – 8 Policy Discounts

Have you had enough of robbing Peter to pay Paul to buy car insurance? You are no different than many other drivers.

There are many car insurance companies to buy insurance from, and although it’s nice to be able to choose, so many choices can make it hard to adequately compare rates.

Consumers should take time to price shop coverage quite often because insurance rates go up and down regularly. If you had the best rates on Forester insurance a few years ago you may be paying too much now. Starting right now, forget anything you know (or think you know) about insurance coverage because I’m going to teach you the proper way to save on insurance coverage.

Verify you’re getting all your discounts

Auto insurance companies don’t always list every available discount in an easy-to-find place, so we break down some of the more common and the more hidden savings tricks you should be using.

  • No Charge for an Accident – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
  • Safety Course Discount – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • 55 and Retired – Mature drivers can possibly qualify for a discount up to 10% on Forester insurance.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Forester insurance than less cautious drivers.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Discount for Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of insurers who offer insurance coverage discounts, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Insurance coverage companies such as Allstate, Geico and Progressive constantly bombard you with ads on TV and radio. They all seem to make the same claim about savings if you switch to their company. How does each company make the same claim?

Different companies have a certain “appetite” for the type of driver that is profitable for them. For example, a desirable insured could possibly be between the ages of 40 and 55, a clean driving record, and chooses high deductibles. Any driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who do not match these standards will have to pay higher rates which usually ends up with the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save money. That is how insurance companies can confidently claim big savings. Because of the profiling, drivers must get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings on Subaru Forester insurance.

When should I talk to an agent?

When choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • Am I covered when using my vehicle for business?
  • What vehicles should carry emergency assistance coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if hit by an uninsured driver?
  • Does my 2006 Subaru Forester qualify for pleasure use?
  • What if I total my 2006 Subaru Forester and owe more than it’s worth?

If you can’t answer these questions but a few of them apply then you might want to talk to 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.

Specific coverages for a Subaru Forester

Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average car insurance policy.

Auto liability – Liability coverage protects you from damage or injury you incur to people or other property. 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 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like loss of income, legal defense fees, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, hail damage, rock chips in glass and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – This covers damage to your Forester resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, rolling your car, sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Subaru Forester.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like hospital visits, rehabilitation expenses, doctor visits, dental work and funeral costs. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Power to the consumer

We covered a lot of information how to get a better price on 2006 Subaru Forester insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with the least-expected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced collision coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

To learn more, link through to the articles below: