How Much Does 2007 Subaru Forester Insurance Cost?

Want cheaper car insurance rates for your Subaru Forester? Nobody I know cherishes buying car insurance, especially when they are paying too much.

Because you have many online and local companies to choose from, it can be impossible to locate the lowest price insurer.

Smart consumers take time to shop coverage around periodically because prices change quite often. If you had the best deal on Forester coverage a few years ago you will most likely find a better rate today. So block out anything you think you know about car insurance because you’re about to learn one of the easiest ways to save on car insurance.

Don’t miss these discounts

Auto insurance companies don’t necessarily list every available discount in a way that’s easy to find, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Homeowners Discount – Owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Claim Free – Claim-free drivers pay less when compared to bad drivers.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on Forester coverage with certain companies.
  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiration. This can save 10% or more.
  • Defensive Driving Course – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Low Mileage – Driving fewer miles can earn discounted rates on garaged vehicles.

It’s important to note that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you could get a free insurance policy, you won’t be that lucky.

For a list of providers with discount insurance rates, follow this link.

Subaru Forester insurance rates have many determining factors

Consumers need to have an understanding of the factors that help determine the price you pay for car insurance. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

The following are some of the items used by your company to calculate prices.

  • Older drivers pay less – Youthful drivers are statistically proven to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, tend to file fewer claims and are safer drivers.
  • Where do you drive? – The more miles you rack up on your Subaru in a year’s time the higher your rate. Most companies rate vehicles based on their usage. Cars and trucks left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your car insurance policy shows how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Forester may be costing you.
  • Don’t get talked into coverage you don’t need – There are many additional coverages that you can buy on your car insurance policy. Coverages for rental car reimbursement, towing coverage and membership fees may be wasting your money. They may seem like a good idea initially, but your needs may have changed so eliminate them to save money.
  • High crash test scores lower rates – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Subaru is rated at least four stars on or an “acceptable” rating on you are probably receiving a discount.
  • You might want pay the small claims yourself – Insurance companies award lower rates to insureds who do not file claims often. If you file claims often, you can expect either higher rates or even cancellation. Car insurance is intended to be relied upon for major claims that would cause financial hardship.

When might I need help?

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions can help discover whether your personal situation might need professional guidance.

  • Should I drop comprehensive coverage on older vehicles?
  • Do I need motorclub coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What if I don’t agree with a claim settlement offer?
  • Should I bundle my homeowners policy with my auto?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Medical expense coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for things like pain medications, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, hitting a bird, fire damage, theft and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as bail bonds, emergency aid and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage – This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Subaru Forester.

Since 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 is a good idea.

Collision coverages – Collision insurance pays for damage to your Forester resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

A penny saved is a penny earned

Lower-priced 2007 Subaru Forester insurance is available on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. Too many times, an insured dropped liability limits or collision coverage and learned later that it was a big error on their part. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

For more information, take a look at the resources below: