2015 Subaru Forester Car Insurance Quotes – 6 Policy Discounts

Searching for the cheapest insurance rates for your Subaru Forester? Tired of not being able to afford to insure your Subaru every month? Your situation is no different than millions of other consumers. Online insurance companies like Progressive, State Farm and Geico constantly blast consumers with fancy advertisements and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

Smart consumers take time to price shop coverage every six months since insurance rates trend upward over time. Just because you had the lowest price for Forester coverage on your last policy you can probably find a better price now. So just forget all the misinformation about insurance because you’re going to get a crash course in the proper way to reduce your cost while increasing coverage.

Quick Auto Insurance Quotes

Getting better 2015 Subaru Forester auto insurance pricing is surprisingly easy. All you need to do is take a couple of minutes to get quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

  1. One of the best ways to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing separate quotation requests to each individual auto insurance company. One quote request will get you price quotes direct from many companies.
  2. A slightly less efficient method to get comparison quotes consists of going to the website for every company you want to comare to complete their respective quote request forms. For instance, let’s assume you want to compare rates from State Farm, Liberty Mutual and Geico. You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way of comparing rate quotes is driving around to and from local insurance agencies. The internet has reduced the need for local agents unless you prefer the personal advice of a licensed agent. You can, however, get the lowest quotes online but still have the advice of a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make darn sure you compare identical information for every quote you compare. If you compare mixed coverages it will be very difficult to determine the lowest rate for your Subaru Forester.

Best discounts on Subaru Forester coverage

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at quote time, but less common discounts must be specially asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Good Student Discount – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Homeowners Savings – Owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Multi-policy Discount – When you have multiple policies with one company you will save up to 20% off your total premium.
  • No Claims – Claim-free drivers pay much less as compared to bad drivers.

Keep in mind that most discounts do not apply the the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help reduce the cost of coverage.

Companies who might offer these benefits are:

Before buying, ask every prospective company what discounts are available to you. Savings may not be available in your state.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help highlight whether you may require specific advice.

  • How can I get my company to pay me more for my totalled car?
  • How does medical payments coverage work?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does liability extend to a camper or trailer?
  • How much liability coverage do I need in my state?
  • Can I rent a car in Mexico?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

Auto insurance 101

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by auto insurance companies.

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverage – This provides protection from injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as bail bonds, structural damage, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Subaru Forester.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for funeral costs, nursing services, X-ray expenses and dental work. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, damage from getting keyed, hitting a bird, falling objects and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

More quotes. Lower rates.

When trying to cut insurance costs, never buy less coverage just to save a little money. In many cases, an insured dropped full coverage and discovered at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Low-cost 2015 Subaru Forester insurance is definitely available on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

More information can be found below: