View 2003 Subaru Forester Insurance Cost

Want the cheapest car insurance rates for your Subaru Forester? Finding affordable car insurance can be challenging for beginners to comparing rates online. Consumers have so many companies to choose from that it can be more work than you anticipated to find the best price.

This information will help you learn how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Although car owners do need to understand the way companies compete online and use this information to your advantage.

Complexity of Subaru Forester insurance rates

An important part of buying insurance is that you know the factors that go into determining your auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with big savings.

Listed below are a few of the “ingredients” auto insurance companies consider when setting rates.

  • Marriage pays dividends – Being married can actually save you money on your policy. Having a spouse means you’re more responsible it has been statistically shown that being married results in fewer claims.
  • High crash test scores lower rates – Vehicles with good safety scores get lower rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Subaru Forester has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • How credit affects auto insurance rates – Credit score is a large factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure than drivers who have poor credit. If your credit history is low, you could be paying less to insure your 2003 Subaru Forester by spending a little time repairing your credit.
  • Protect yourself with liability coverage – Your policy’s liability coverage provides coverage when a jury decides you are liable for damages caused by your negligence. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Save money with special equipment – Driving a car with an alarm system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Do you need those extra coverages? – There are many additional coverages that you can get tricked into buying if you aren’t careful. Things like personal injury protection, accidental death and additional equipment coverage are some examples. These coverages may sound good initially, but now you might not need them so remove them from your policy.
  • Rural vs Urban Areas – Choosing to live in small towns and rural areas can save you money when it comes to auto insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas have to deal with traffic congestion and longer commutes to work. More time on the road translates into higher accident risk.

How to Get Insurance

When shopping for insurance there are multiple ways of comparing rate quotes from local insurance companies. One of the best ways to find the lowest 2003 Subaru Forester rates involves getting comparison quotes online. This can be done in several different ways.

  • The easiest and least time consuming way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do repetitive form submissions for every insurance company. One form submission gets you price quotes from insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  • A less efficient way to get quotes online requires you to visit the website for every company you want to comare and request a quote. For example, we’ll pretend you want to compare rates from Farmers, Allstate and State Farm. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.
  • The most time-consuming method of getting rate comparisons is to spend time driving to insurance agents’ offices. Shopping for insurance online has reduced the need for local agents unless you want the personal advice of a licensed agent. It is possible to get the lowest quotes online and still use a local agent.

It’s up to you which method you use, but be sure to compare apples-to-apples coverage information for each price quote. If your comparisons have mixed coverages you can’t possibly find the best deal for your Subaru Forester. Slightly different insurance coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons provides better odds of finding a better price.

Discounts can save BIG

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Some trigger automatically at the time of purchase, but some may not be applied and must be requested specifically before you will receive the discount.

  • Air Bag Discount – Vehicles equipped with air bags can receive discounts of 20% or more.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current expiration date. The savings is around 10%.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Own a Home – Simply owning a home may trigger a insurance coverage policy discount because of the fact that having a home is proof that your finances are in order.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will bring down your premiums.

Car insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts may not apply everywhere.

Will just any policy work for me?

When it comes to buying coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Does liability extend to a camper or trailer?
  • Does car insurance cover theft of personal property?
  • Do I need motorclub coverage?
  • What companies insure drivers after a DUI or DWI?
  • Can I make deliveries for my home business?
  • How much liability do I need to cover my assets?
  • How can I get my company to pay me more for my totalled car?
  • Why do I need rental car insurance?
  • Should I buy additional glass protection?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Educate yourself about car insurance coverages

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, a broken windshield, fire damage, rock chips in glass and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Subaru Forester.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Auto liability

This can cover damage that occurs to other’s property or people. It protects YOU from claims by other people. It does not 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. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, legal defense fees, repair costs for stationary objects, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Collision protection

This coverage will pay to fix damage to your Forester resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, colliding with another moving vehicle, rolling your car, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses like ambulance fees, funeral costs, EMT expenses and X-ray expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Best coverage at the best price

Lower-priced 2003 Subaru Forester insurance is possible from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We just covered some good ideas how to reduce insurance prices online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from the least-expected company.

When you buy insurance online, do not sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate.

Much more information about car insurance is available at these links: