2013 Subaru Forester Insurance Quotes

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than the majority of other car owners.

You have multiple insurance companies to choose from, and although it’s nice to have multiple companies, it makes it harder to find the lowest cost provider.

It’s important to get comparison quotes at least once a year since rates tend to go up over time. Just because you had the lowest price on Forester insurance last year there is a good chance you can find better rates now. So forget all the misinformation about auto insurance because you’re about to learn one of the easiest ways to find better rates and still maintain coverage.

Auto Insurance Comparison Rates

Shopping for lower auto insurance rates can take hours if you don’t know the most efficient way. You can waste hours talking to agents in your area, or you could save time and use the internet to quickly compare rates.

Most of the larger companies belong to an insurance system where prospective buyers enter their policy data once, and every company then gives them pricing determined by their information. This saves time by eliminating quote requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to using this type of form is you cannot specify which insurance companies you want pricing from. So if you want to select specific providers to compare prices, we put together a list of low cost auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples information for every quote you compare. If you use mixed coverages then you won’t be able to determine the best price for your Subaru Forester. Having just a slight variation in coverages may result in a large different in cost. Just keep in mind that comparing a large number of companies will improve the odds of getting the best offered rates.

Save on 2013 Subaru Forester insurance

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply when you purchase, but a few must be asked for prior to getting the savings.

  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Memberships – Being a member of a qualifying organization is a good way to get lower rates on your policy on Forester insurance.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
  • College Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will help reduce the amount you have to pay.

For a list of insurers with discount insurance coverage rates, click this link.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation will benefit from professional help.

  • How high should deductibles be on a 2013 Subaru Forester?
  • Does my insurance cover my expensive audio equipment?
  • Do I need rental car coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I get a multi-policy discount?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Learn about auto insurance coverages for a 2013 Subaru Forester

Having a good grasp of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Collision insurance

This pays for damage to your Forester resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Auto liability

Liability coverage can cover damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair bills for other people’s vehicles, medical services, pain and suffering, funeral expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Forester.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, hitting a deer and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as EMT expenses, X-ray expenses, funeral costs and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible