Compare 2006 Subaru Forester Insurance Cost

Are you sick and tired of robbing Peter to pay Paul to insure your Subaru every month? You are in the same boat as many other drivers. There are many insurance companies to pick from, and although it’s a good thing to have multiple companies, it can be more difficult to locate the cheapest rates.

It is always a good idea to take a look at other company’s rates yearly since rates are variable and change quite frequently. Even if you think you had the lowest rates on Forester insurance on your last policy there may be better deals available now. You can find a lot of misleading information regarding insurance online, so with this article, you’re going to get some great ways to slash your insurance rates.

Pay less by taking advantage of discounts

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Some trigger automatically when you purchase, but lesser-known reductions have to be requested specifically before you get the savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Paperwork-free – A few companies may give you up to $50 just for signing your application digitally online.
  • Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.

As a disclaimer on 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 liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will cut your overall premium however.

To see a list of insurance companies who offer car insurance discounts, click here to view.

Free Insurance Quotes

There are multiple methods you can shop for 2006 Subaru Forester insurance but there is one way that is easier and takes less work. You can waste hours talking to local insurance agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

The majority of car insurance companies participate in a marketplace that enables customers to submit one quote, and every company returns a competitive quote based on the submitted data. This system prevents you from having to do repetitive form submissions to each individual insurance company.

To find out how much you’re overpaying now click here to open in new window.

The one downside to using this type of form is you are unable to specify which providers you want to price. If you prefer to choose from a list of companies for rate comparison, we have a listing of companies who write insurance in your area. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare the exact same coverage limits and deductibles for each comparison quote. If the quotes have different limits and deductibles on each one it’s impossible to truly determine the lowest rate.

Your coverage should be tailored to you

When buying the best auto insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions could help you determine if your situation might need professional guidance.

  • When can my company non-renew my policy?
  • Am I covered if hit by an uninsured driver?
  • Am I better off with higher deductibles on my 2006 Subaru Forester?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does having multiple vehicles earn me a discount?
  • Do I need PIP coverage since I have good health insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does car insurance cover theft of personal property?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can my teen drive my company car?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Forester.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, a tree branch falling on your vehicle, fire damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance covers damage to your Forester resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability

Liability insurance will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like loss of income, funeral expenses, repair costs for stationary objects, court costs and emergency aid. How much coverage you buy is up to you, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses like rehabilitation expenses, X-ray expenses, surgery, ambulance fees and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

In the end, you save

We just covered a lot of information how to shop for 2006 Subaru Forester insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even discover the biggest savings come from an unexpected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Cost effective insurance can be bought on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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