Cheapest 2009 Subaru Forester Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 10, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you you’re not alone.

Insurance companies such as GEICO, Progressive and Allstate promote their brand names with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Smart consumers take time to do rate comparisons before your policy renews because insurance rates go up and down regularly. Despite the fact that you may have had the lowest rates for Forester coverage a year ago you may be paying too much now. There is too much inaccurate information about auto insurance online, so we’re going to give you some excellent ideas to put money back in your pocket.

Are you getting all your discounts?

Car insurance companies do not advertise every available discount very clearly, so we researched some of the more common and the more hidden savings tricks you should be using.

  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Forester coverage with a few auto insurance companies.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn a substantially lower rate.
  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way.

Car insurance companies that may offer these discounts may include but are not limited to:

Check with each insurance company which discounts they offer. Some discounts might not apply in every state.

Tailor your coverage to you

When it comes to buying coverage, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • What discounts do I qualify for?
  • Can I afford low physical damage deductibles?
  • If I drive on a suspended license am I covered?
  • Do I need replacement cost coverage?
  • What is UM/UIM insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Car insurance coverages explained

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average car insurance policy.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, hail damage, damage from a tornado or hurricane, damage from flooding and vandalism. The highest amount your car 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 not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for bills like funeral costs, chiropractic care and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as repair costs for stationary objects, medical expenses, pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2009 Subaru Forester.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverage

Collision insurance will pay to fix damage to your Forester resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Be a Smart Shopper

Low-cost 2009 Subaru Forester insurance is possible on the web and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some insurance providers may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an insured cut full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

Other resources

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest auto insurance rates for a 2009 Subaru Forester in 2023?

To find the cheapest auto insurance rates for a 2009 Subaru Forester in 2023, you can enter your ZIP code below to view companies that offer cheap auto insurance rates.

Are there any discounts available for car insurance?

Car insurance companies may offer various discounts, although not all discounts apply to every coverage premium. Some common discounts include safe driver discounts, multi-policy discounts, multi-vehicle discounts, and good student discounts. It’s best to check with each insurance company to see which discounts they offer and whether they apply in your state.

How do I know if I need to tailor my coverage with an insurance agent’s assistance?

Every situation is unique, and there is no single plan that fits everyone when it comes to buying car insurance coverage. If you’re unsure about certain coverages or if any specific questions apply to your situation, it may be helpful to consult with an insurance agent. You can fill out a form or visit a page to view a list of companies and speak to an agent in your area.

What are the different car insurance coverages explained?

Here are some explanations of common car insurance coverages:

  • Comprehensive coverage: This coverage pays for damage caused by events like theft, vandalism, or natural disasters. There is usually a deductible, and the insurance company pays for the remaining damage up to the vehicle’s cash value.
  • Coverage for medical payments: Med pay and PIP (Personal Injury Protection) coverage can help with expenses like funeral costs, chiropractic care, or prosthetic devices. These coverages can be used to fill gaps in your health insurance policy or provide coverage if you don’t have health insurance.
  • Liability car insurance: Liability insurance protects you from damages or injuries you cause to others or their property. It consists of three different limits: per person bodily injury, per accident bodily injury, and property damage. Liability coverage does not cover damage to your own vehicle.
  • Uninsured and underinsured coverage: This coverage protects you when other motorists are uninsured or don’t have enough coverage. It covers medical payments for you and your occupants and damage to your vehicle.
  • Collision coverage: Collision insurance pays for damage to your vehicle resulting from a collision with another vehicle or object (excluding animals). You need to pay a deductible, and then your collision coverage kicks in.

How can I be a smart shopper when it comes to car insurance?

To be a smart shopper for car insurance:

  • Compare quotes from different insurance providers, both online and from local agents.
  • Avoid sacrificing coverage just to reduce premiums. Cutting back on coverage may cost you more in the long run.
  • Buy enough coverage for the lowest price, rather than opting for the least amount of coverage. It’s important to strike a balance between affordability and adequate protection.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption