2018 Subaru Forester Insurance Quotes – 9 Discounts for Best Rates

Scraping up a payment for pricey Subaru Forester insurance can stress out your bank account and put the squeeze on your family’s finances. Online insurance companies like Progressive, Geico and Farmers Insurance promote their brand names with fancy advertisements and it is difficult to separate fact from fiction and take the time to shop coverage around.

It’s a good habit to get comparison quotes as often as possible because auto insurance prices change regularly. Even if you think you had the lowest quotes for Forester coverage a year ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you’re going to get a crash course in the right way to save money, get proper coverage and the best rates.

If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates and still get good coverage. Finding the best rates is quite easy. Vehicle owners only need to know the best way to shop online.

Find discounts to get cheap insurance quotes

Not many people think insurance is cheap, but there may be some discounts that could help you make your next renewal payment. Some trigger automatically when you get a quote, but some need to be asked for prior to getting the savings. If you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Braking Control Discount – Cars equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Student Discounts – Performing well in school may save as much as 25% on a auto insurance quote. Most companies allow this discount until age 25.
  • Drive Less and Save – Low mileage vehicles may allow you to get cheaper insurancerates.
  • Early Switch Discount – A few insurance companies allow discounts for switching policies prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.
  • Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
  • First Accident Forgiveness – Not really a discount, but certain companies permit an accident without the usual rate increase if your claims history is clear for a specific time period.
  • Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may get savings up to 30%.
  • Student in College – who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
  • Drivers Ed for Students – Teen drivers should sucessfully take a drivers education course as it can save substantially.

Please keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, insurance companies aren’t that generous.

A few popular companies and some of the premium reductions they offer are outlined below.

  • Progressive offers premium reductions for good student, online quote discount, homeowner, multi-vehicle, continuous coverage, online signing, and multi-policy.
  • Farmers Insurance policyholders can earn discounts including good student, switch companies, homeowner, business and professional, alternative fuel, and multi-car.
  • Farm Bureau has discounts for youthful driver, renewal discount, driver training, good student, multi-policy, safe driver, and multi-vehicle.
  • State Farm has savings for accident-free, multiple autos, Steer Clear safe driver discount, driver’s education, good student, and defensive driving training.
  • Geico discounts include federal employee, anti-theft, military active duty, good student, air bags, and multi-vehicle.
  • SAFECO offers discounts for multi-car, anti-lock brakes, teen safety rewards, accident prevention training, bundle discounts, homeowner, and drive less.
  • Liberty Mutual offers discounts including newly retired, new graduate, hybrid vehicle, safety features, teen driver discount, and preferred payment discount.

If you are trying to find cheap auto insurance quotes, ask every company which credits you are entitled to. All car insurance discounts may not apply in your area.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • Are my friends covered when driving my 2018 Subaru Forester?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need added coverage for expensive stereo equipment?
  • If my 2018 Subaru Forester is totaled, can I afford another vehicle?
  • Exactly who is provided coverage by my policy?
  • Can my babysitter drive my car?
  • Can I still get insurance after a DUI?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Smaller companies may have the best rates

Consumers can’t get away from ads for auto insurance savings by companies like Geico, State Farm and Progressive. All the ads advertise the message that you’ll save big just by moving your coverage to them.

How does every company give you a lower rate? This is the trick they use.

Different companies quote their cheapest rates for the driver that is profitable for them. A good example of this type of insured may be between the ages of 40 and 55, carries high limits, and the vehicle is rated for pleasure use. A customer that fits those parameters may get the lowest premium rates and therefore will pay quite a bit less when switching companies.

People who are not a match for the ideal profile may receive higher premiums and ends up with business going elsewhere. The trick companies use is to say “people who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can confidently lure you into getting a quote.

This really illustrates why you need to get auto insurance quotes from several different companies. It is impossible to guess which company will fit you best based on your risk profile.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your 2018 Subaru Forester.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, nursing services, doctor visits, hospital visits and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability auto insurance – This will cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, bail bonds, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Saving money makes a lot of cents

Budget-friendly insurance coverage can be found both online as well as from insurance agents, so you need to shop auto insurance with both so you have a total pricing picture. A few companies may not offer price quotes online and usually these smaller companies provide coverage only through independent insurance agencies.

We’ve covered many ideas to save on 2018 Subaru Forester insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper auto insurance. You may even discover the best car insurance rates are with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

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