2019 Subaru Forester Insurance Quotes in 2024 – 5 Ideas for Cheaper Rates

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 6, 2024

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Looking for cheaper insurance rates for your Subaru Forester? If online insurance comparisons are new to you, you may be overwhelmed by the large number insurance agents and companies selling insurance.

If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Pricing more affordable insurance coverage is simple if you know the tricks. Although car owners do need to understand how insurance companies sell online and take advantage of how the system works.

Low cost car insurance price quotes

Performing a rate comparison is a ton of work if you don’t utilize the easiest way. You could waste a few hours talking about coverages with insurance companies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most major companies belong to an insurance system that allows shoppers to only type in their quote data once, and every company can give them a price based on that data. This eliminates the need for quotation requests to each company.

To submit your quote information now, enter your zip code here.

The only downside to comparing rates this way is buyers cannot specifically choose the providers you will receive quotes from. So if you want to select individual companies to receive pricing from, we have a listing of companies who write car insurance in your area. Click to enter zip code for insurance companies.

Whichever method you choose, do your best to use apples-to-apples coverages with each company. If you are comparing different data it will be next to impossible to determine the lowest rate for your Subaru Forester. Having just a slight variation in coverage limits can make a big difference in price. Keep in mind that making a lot of price comparisons gives you a better chance of getting better pricing.

Auto insurance quotes and discounts

Not many people think insurance is cheap, but you might already qualify for some discounts that you may not even be aware of. Most are applied when you get a quote, but some discounts are required to be specially asked for before they will apply.

  • Theft Prevention System – Cars with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education in school.
  • More Vehicles More Savings – Buying insurance for primary and secondary vehicles with the same company qualifies for this discount.
  • Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
  • Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less since newer vehicles have better safety ratings.

Please keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But all discounts will reduce your premiums.

The best auto insurance companies and their possible discounts are outlined below.

  • State Farm offers discounts for multiple policy, student away at school, defensive driving training, multiple autos, and Steer Clear safe driver discount.
  • GEICO has savings for driver training, air bags, emergency military deployment, defensive driver, anti-theft, and military active duty.
  • Allstate may include discounts for passive restraint, EZ pay plan discount, economy car, early signing, utility vehicle, and resident student.
  • SAFECO offers discounts including safe driver, multi-car, teen safe driver, bundle discounts, and teen safety rewards.
  • Farm Bureau may have discounts that include renewal discount, multi-policy, good student, multi-vehicle, and safe driver.
  • Progressive has discounts for multi-vehicle, good student, online quote discount, online signing, and continuous coverage.
  • AAA offers premium reductions for pay-in-full, multi-car, multi-policy, education and occupation, good driver, good student, and anti-theft.

When getting free insurance quotes, it’s a good idea to each company which credits you are entitled to. Some discounts listed above may not be offered in your state.

Situations that may require an agent’s advice

When choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

  • What is the ISO rating for a 2019 Subaru Forester?
  • Am I better off with higher deductibles on my 2019 Subaru Forester?
  • What is the rate difference between pleasure use and commuting?
  • What is high-risk coverage and where do I buy it?
  • Is a blown tire covered by insurance?
  • Are split liability limits better than a combined single limit?
  • When can my company non-renew my policy?
  • When should I not file a claim?
  • Do I need an umbrella policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Big names are not always cheapest

Companies like 21st Century, Allstate and State Farm regularly use ads on TV and radio. All the companies try to convey promises that you can save just by moving your insurance coverage to their company. How does every insurance company claim to save you money? It’s all in the words they use.

Many companies quote their best rates for the type of insured that earns them a profit. For example, this type of driver could possibly be a married male, has a clear driving record, and drives less than 10,000 miles a year. Anyone who fits that profile will qualify for the lowest prices as well as cut their rates substantially.

People who do not match those criteria must pay a more expensive rate and the customer buying from someone else. If you listen closely, the ads state “customers that switch” not “all people who quote” can save as much as they claim. This is how companies can truthfully make those statements.

Because every company is different, you should do a rate comparison at every renewal. You cannot predict the company that will fit your personal profile best.

Learn about insurance coverages for a 2019 Subaru Forester

Understanding the coverages of insurance can help you determine the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2019 Subaru Forester.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liability limits.

Liability auto insurance

This provides protection from damage or injury you incur to a person or their property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like medical expenses, repair bills for other people’s vehicles, repair costs for stationary objects, medical services and loss of income. How much coverage you buy is up to you, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, hitting a bird, hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses for things like dental work, rehabilitation expenses and pain medications. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

Collision insurance will pay to fix damage to your Forester resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Compare but don’t skimp

When shopping online for auto insurance, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice collision coverage and learned later they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

People leave their current company for a variety of reasons including policy cancellation, high rates after DUI convictions, an unsatisfactory settlement offer or high prices. It doesn’t matter what your reason, finding a great new company is actually quite simple.

The cheapest 2019 Subaru Forester insurance is available on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide online rate quotes and many times these small insurance companies provide coverage only through local independent agencies.

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