View 2010 Subaru Forester Insurance Quotes

Looking for cheaper insurance rates for your Subaru Forester? If shopping for insurance online is new to you, you may be confused due to the large number of online companies offering insurance.

The best way to compare car insurance rates is to know most of the larger companies pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is provide a small amount of information such as if it has an alarm system, your credit rating estimate, how you use your vehicles, and how much education you have. The data is then sent to insurance carriers in your area and they return quotes within a short period of time.

To check rates for your 2010 Subaru Forester, click here and enter your zip code.

Discounts mean cheaper 2010 Subaru Forester insurance rates

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so here is a list some of the more common as well as the least known discounts you could be receiving.

• Save over 55 – Older drivers can possibly qualify for better insurance rates for Forester coverage.
• Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
• Homeowners Pay Less – Owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
• Military Rewards – Being on active duty in the military may qualify for rate reductions.
• Early Signing – Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
• Safety Course Discount – Successfully completing a driver safety course can save you 5% or more if your company offers it.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to 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.

A partial list of companies that may offer some of the above discounts are:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

Double check with each company which discounts you may be entitled to. Some discounts may not be available in every state.

Tailor your coverage to you

When choosing the best auto insurance coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions can help discover if your situation will benefit from professional help.

• Do I need an umbrella policy?
• Should I put collision coverage on all my vehicles?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need medical payments coverage since I have good health insurance?
• Does my liability insurance cover pulling a trailer or camper?
• Am I covered when using my vehicle for business?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance policy coverages for a Subaru Forester

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as pain and suffering, bail bonds, emergency aid, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

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

Collision insurance covers things such as colliding with a tree, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from a tornado or hurricane and theft. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills such as surgery, pain medications and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include 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, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.