How Much Does 2002 Subaru Forester Car Insurance Cost?

Searching for lower car insurance rates for your Subaru Forester? Have you fallen victim to high-priced car insurance? Trust us, you’re not the only one.

Drivers have so many insurance companies to buy insurance from, and although it’s nice to have a choice, it makes it harder to find the lowest cost provider.

This information will familiarize you with how to effectively get price quotes. If you currently have car insurance, you will be able to cut costs considerably using these methods. Nevertheless, consumers do need to learn how insurance companies compete online and take advantage of how the system works.

The method we recommend to compare insurance rates in your area is to know the trick car insurance companies pay for the opportunity to quote your coverage. The only thing you need to do is give the companies some data including an estimate of your credit level, if you lease or own, how much coverage you want, and if your license is active. Your information is submitted instantly to all major companies and they respond with quotes within a short period of time.

Discounts to lower 2002 Subaru Forester insurance rates

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but less common discounts must be specially asked for in order for you to get them.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Safe Drivers – Safe drivers may save up to 50% more for Forester insurance than drivers with accident claims.
  • Homeowners Discount – Owning a house may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Organization Discounts – Participating in a professional or civic organization could trigger savings on car insurance for Forester insurance.
  • Drive Less and Save – Keeping the miles down on your Subaru could qualify for discounted rates on garaged vehicles.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous. Any qualifying discounts will bring down your overall premium however.

Companies that may offer these money-saving discounts are:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts may not be available in your state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might help in determining if you would benefit from professional advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • What vehicles should carry emergency assistance coverage?
  • Can I still get insurance after a DUI?
  • How does medical payments coverage work?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why do I only qualify for high-risk insurance?
  • Is my ex-spouse still covered by my policy?
  • Is a fancy paint job covered?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by car insurance companies.

Liability coverages – Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as medical services, emergency aid, structural damage and attorney fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive car insurance – This 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 coverage pays for things such as vandalism, a tree branch falling on your vehicle, theft and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – Collision coverage 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 protects against claims like crashing into a ditch, crashing into a building, driving through your garage door, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like rehabilitation expenses, prosthetic devices, dental work, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Subaru Forester.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.