2021 Subaru Forester Car Insurance Quotes 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 6, 2024

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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.

Tired of scraping nickels together to buy insurance coverage? You have the same problem as the majority of other vehicle owners.

Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with advertising and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Get lower rates by earning discounts

Companies offering auto insurance don’t always list all possible discounts very well, so we break down both the well known and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

  • Smart Student Discounts – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more on the premium charged for medical payments and/or PIP.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully take a drivers education course as it can save substantially.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Forester coverage with a few auto insurance companies.
  • Theft Deterrent – Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your insurance coverage quote.
  • Lower Rates for Military – Having an actively deployed family member may lower your prices slightly.
  • Defensive Driving Course – Passing a class that teaches defensive driving techniques is a good idea and can lower rates depending on where you live.
  • Discount for New Cars – Insuring a vehicle that is new can save you some money compared to insuring an older model.
  • Telematics Devices – Insureds who allow their insurance company to track driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if their driving habits are good.

It’s important to understand that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way.

If you would like to see a list of auto insurance companies that offer discounts, enter your zip code here.

How to compare insurance quotes

There are several ways of comparing price quotes from companies that offer insurance in your state. The recommended way to find competitive 2021 Subaru Forester insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished using a couple different methods.

  1. Probably the best way consumers can analyze rates is an all-inclusive rate comparison. This easy form saves time by eliminating repetitive form entry for every company. A single form gets you price quotes from multiple low-cost companies.
  2. A more time consuming way to analyze rates requires a trip to each individual company website and repeat the quote process again and again. For examples sake, let’s say you want to get rates from USAA, Farmers and Liberty Mutual. To find out each rate you need to go to each individual site to enter your coverage information, which is why the first method is more popular.
  3. The most difficult method to compare rates is making phone calls or going to each insurance agency near you. The ability to buy insurance online can eliminate the need for a local agent unless your situation requires the trained advice of a local agency. Some companies do allow you to get prices online and have a local agent actually service the policy.

Whichever way you use, double check that you are using identical coverages and limits for each quote you get. If you enter different coverage information it will be impossible to truly determine the lowest rate. Slightly different limits may cause a big price difference. Keep in mind that comparing more quotes provides better odds of finding the best offered rates.

Your insurance coverage should be tailored to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Will my insurance pay for OEM parts?
  • When should I not file a claim?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why do I need rental car insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and enter your zip code.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Collision – This pays for damage to your Forester resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, rock chips in glass and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as chiropractic care, ambulance fees, EMT expenses and surgery. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Subaru Forester.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages – Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, attorney fees, medical expenses and structural damage. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

More comparisons equals lower rates

We just presented some good ideas how you can compare 2021 Subaru Forester insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a small mutual company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

There are still a few companies who don’t offer online quoting and these small, regional companies sell through local independent agencies. Cost effective 2021 Subaru Forester insurance is attainable online and from local agencies, and you need to comparison shop both to have the best chance of lowering rates.

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