How Much Does 2012 Subaru Forester Insurance Cost?

Trying to find better insurance prices for a Subaru Forester can turn out to be a painful process, but you can learn a few tricks to save time. There are more efficient ways to find car insurance online and you need to know the absolute fastest way to get price quotes for a new or used Subaru and get the lowest price from both online companies and local agents.

It’s a great practice to price shop coverage at least once a year due to the fact that insurance rates are variable and change quite frequently. Even if you got the lowest rates on Forester insurance a couple years back the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to find out one of the quickest ways to eliminate unnecessary coverages and save money.

Finding affordable coverage is not that difficult. If you have a policy now or need a new policy, you can learn to find the best rates while maintaining coverages. Consumers just need to understand the proper methods to compare company rates online.

Insurance Prices

Performing a rate comparison can be a lot of work if you don’t utilize the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to achieve your goal.

Many insurance companies participate in a marketplace that enables customers to only type in their quote data once, and at least one company then returns a price quote based on that information. This system prevents you from having to do quote forms to each individual insurance company.

To compare pricing click here to open in new window.

The only downside to using this type of system is you don’t know exactly the insurers to get quotes from. If you would rather choose individual companies to compare, we put together a list of insurance companies in your area. Click here to view list.

However you get your quotes, ensure you’re using identical coverages for each price quote. If you are comparing higher or lower deductibles then you won’t be able to find the best deal for your Subaru Forester.

Are you getting all your discounts?

Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so we researched some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit available, you are paying more than you should be.

  • Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up over the internet.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • No Charge for an Accident – Certain companies permit an accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Clubs and Organizations – Participating in a qualifying organization could trigger savings when shopping for insurance coverage on Forester insurance.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you’re out of luck.

Insurance companies that possibly offer these money-saving discounts are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts may not apply everywhere.

Factors that can influence Subaru Forester insurance rates

Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for auto insurance. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Safer occupants lowers premiums – Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Subaru Forester is rated at least four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Your car’s features help determine rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • High deductibles save money – Physical damage deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply could be colliding with a building, vandalism, and burglary. The more expense you are required to pay out-of-pocket, the less your auto insurance will be on Forester insurance.
  • Keep rates low by being claim-free – Companies generally give discounts to drivers who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Do you have enough liability coverage? – Liability coverage provides coverage if ever a court rules you are at fault for damages from an accident. Liability provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Don’t buy coverages you don’t need – There are a lot of extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages like vanishing deductibles, accidental death and membership fees are some examples. They may seem good when talking to your agent, but your needs may have changed so get rid of them and save.
  • Poor credit can mean higher rates – Credit history is a important factor in determining your rates. If your credit score is not that good, you could be paying less to insure your 2012 Subaru Forester by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.

When might I need an agent?

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help you determine if you may require specific advice.

  • Should I waive the damage coverage when renting a car?
  • How can I get high-risk coverage after a DUI?
  • Should I buy additional glass protection?
  • When does my teenage driver need to be added to my policy?
  • Who is covered by my policy?
  • Does my 2012 Subaru Forester need full coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Can you really save $419 a year?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all seem to make an identical promise of big savings if you change your policy.

How does each company make almost identical claims?

Different companies have a preferred profile for the driver they prefer to insure. An example of a profitable customer could be over the age of 40, a clean driving record, and chooses high deductibles. A propective insured who fits that profile receives the best rates and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t measure up to the “perfect” profile will be quoted higher rates which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can confidently make the claims of big savings. This emphasizes why drivers should compare as many rates as you can. Because you never know which auto insurance company will provide you with the cheapest Subaru Forester insurance rates.

Coverage specifics

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills for dental work, X-ray expenses, hospital visits and surgery. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability – Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things such as structural damage, medical services, emergency aid and loss of income. How much liability should you purchase? That is up to you, but buy higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Subaru Forester.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, damage from flooding, a tree branch falling on your vehicle and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Do the work, save more money

Budget-conscious 2012 Subaru Forester insurance can be sourced both online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. In many instances, drivers have reduced collision coverage and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

In this article, we covered many ideas to get a better price on insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the most savings is with a lesser-known regional company.

Much more information about insurance coverage is available below: