Save on 2017 Subaru Forester Insurance Rates in 2024

Are you drained from being strong-armed to pay high insurance coverage rates every month? You are in the same boat as the majority of other drivers. Many insurance companies vie for your insurance dollar, so it’s not easy to compare every insurance company to find the lowest cost out there.

Discounts to earn affordable insurance coverage rates

Some companies don’t list every discount they offer in an easy-to-find place, so the below list has both well-publicized and also the lesser-known discounts that may be available. If you do not check that you are getting every discount you qualify for, you are just wasting money.

• Seat Belt Discounts – Requiring all passengers to use their safety belts can save a little on the medical payments or PIP coverage costs.
• Discount for New Cars – Insuring a new car is cheaper since newer models have better safety ratings.
• Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company they may give you a discount of as much as 10 to 15 percent.
• Discounts for Responsible Drivers – Drivers who avoid accidents can save as much as half off their rates for Forester insurance than drivers with accidents.
• Accident Waiver – This one is not really a discount per se, but a few companies such as Allstate and GEICO will forgive one accident without raising rates as long as you don’t have any claims prior to being involved in the accident.
• ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and the ABS can save up to 10%.

As a disclaimer on discounts, most discounts do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But all discounts will reduce your policy premium.

For a list of providers that offer the discounts shown above, enter your zip code here.

Tailor your auto insurance coverage to you

When buying coverage, there is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Exactly who is provided coverage by my policy?
• What can I do if my company won’t pay a claim?
• Am I covered if I wreck a rental car?
• What is medical payments coverage?
• What if I total my 2017 Subaru Forester and owe more than it’s worth?
• Am I covered when using my vehicle for business?
• Is my teen driver covered when they drive my company car?
• Will filing a claim cost me more?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete your zip code. It is quick, free and may give you better protection.

Tricks in insurance advertising

Consumers can’t escape the ads that claim the cheapest prices by State Farm, GEICO and Progressive. They all seem to tend to make the same promise that drivers will save a bundle if you move to their company.

How do they all sell you cheaper insurance coverage? You have to listen carefully.

All companies quote their best rates for the type of insured that will most likely be profitable. For example, a driver they prefer might have to be a married male, has no prior claims, and drives newer vehicles. Someone that fits those parameters will get low premium rates and therefore will save some money.

Drivers who are not a match for these standards will be charged higher prices which translates to the customer not purchasing. Company advertisements say “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. This is how insurance companies can lure you into getting a quote.

This really emphasizes why you really need to get insurance quotes from several different companies. It is just not possible to predict which insurance companies will give you lower rates than your current company.

Auto insurance 101

Having a good grasp of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, hail damage, a tree branch falling on your vehicle, falling objects and hitting a bird. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Subaru Forester.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision coverage protection

This coverage will pay to fix damage to your Forester resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, hitting a parking meter, colliding with a tree, colliding with another moving vehicle and sideswiping another vehicle. 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. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses such as X-ray expenses, funeral costs, ambulance fees, surgery and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This coverage can cover damage that occurs to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as much as you can afford.

Buy Smart and Save

Lower-priced 2017 Subaru Forester insurance is attainable online and with local insurance agents, so get free insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and many times these smaller providers prefer to sell through local independent agencies.

When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to find out that they should have had better coverage. Your goal should be to find the BEST coverage at the best cost.