Lower Your 2020 Subaru Forester Car Insurance Quotes in 2024

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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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Are you sick and tired of paying out the nose each month for car insurance? Your situation is no different than millions of other vehicle owners. Because you have many car insurance companies to choose from, it can be challenging to locate the most affordable company.

It is always a good idea to do price comparisons yearly because prices are rarely the same from one policy term to another. If you had the best rates for Forester coverage two years ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about car insurance because it’s time to teach you the proper way to find better rates and still maintain coverage.

How to compare free car insurance rate quotes

Getting a cheaper price on 2020 Subaru Forester insurance is not a difficult process. You just need to take the time comparing price quotes to find. It’s super easy and can be done using a couple different methods.

  1. If you’re in a hurry, the quickest way to get the best comparison quotes is to use a rate comparison form. This type of form keeps you from doing separate quotes for every company. One form gets rate comparisons from all major companies.
  2. A harder way to find lower rates is going to each individual company website to complete a price quote. For instance, we’ll pretend you want to compare prices for Auto-Owners, Progressive and State Farm. In order to compare rates, you need to spend time on each company’s site to enter the same coverage data repeatedly, which is why most consumers use the first method.

It doesn’t matter which method you choose, just try to use nearly identical coverage limits with each company. If the quotes have different coverage information it will be impossible to determine the lowest rate for your Subaru Forester.

Lower rate quotes with these insurance coverage discounts

Some insurers don’t necessarily list every possible discount very well, so the list below details some of the more common and the harder-to-find discounts that you may qualify for.

  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and will save you 10% or more.
  • Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen less frequently so companies will give you a small discount.
  • Low Mileage Discounts – Driving fewer miles could earn discounted insurance coverage rates on garaged vehicles.
  • Safety Restraint Discount – Drivers who require all occupants to use a seat belt could cut 10% or more off the medical payments premium.
  • Auto/Life Discount – Larger insurance carriers have a discount if you purchase auto and life insurance together.
  • Membership in Organizations – Being in a professional or civic organization is a simple method to lower premiums on your bill.
  • Discount for Passive Restraints – Vehicles with factory air bags can get savings of more than 20%.

You can save money using discounts, but some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will definitely reduce your policy cost.

Large insurance coverage companies and their offered discounts can be read below.

  • Progressive discounts include online signing, online quote discount, continuous coverage, good student, homeowner, and multi-vehicle.
  • Farmers Insurance may have discounts that include early shopping, good student, pay in full, electronic funds transfer, homeowner, and business and professional.
  • Farm Bureau may include discounts for 55 and retired, driver training, safe driver, multi-policy, and renewal discount.
  • State Farm offers premium reductions for good student, passive restraint, accident-free, driver’s education, and defensive driving training.
  • GEICO may offer discounts for anti-lock brakes, anti-theft, seat belt use, five-year accident-free, defensive driver, and daytime running lights.
  • SAFECO has savings for anti-theft, multi-car, drive less, accident prevention training, teen safe driver, and safe driver.
  • Liberty Mutual offers discounts for new graduate, exclusive group savings, new move discount, newly retired, and good student.

It’s a good idea to ask every company how you can save money. Some of the earlier mentioned discounts may not be available in every state. For a list of insurance coverage companies who offer free insurance coverage quotes, enter your zip code here.

Car insurance can get complicated

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you will benefit from professional help.

  • Does medical payments coverage apply to all occupants?
  • Should I buy additional glass protection?
  • Why do I need rental car insurance?
  • What exactly is covered by my policy?
  • Are my friends covered when driving my car?
  • Does liability extend to a camper or trailer?
  • Do I need higher collision deductibles?
  • Can I afford to buy a different vehicle if my 2020 Subaru Forester is totaled?

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 want to speak to an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Knowing the specifics of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision insurance

Collision coverage will pay to fix damage to your Forester caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, backing into a parked car, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills for surgery, hospital visits, funeral costs, nursing services and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage


This provides protection from damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like loss of income, emergency aid, structural damage, medical expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, falling objects, damage from getting keyed, fire damage and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

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