Cheapest 2000 Subaru Forester Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Searching for better auto insurance rates for your Subaru Forester? Having to pay for overpriced Subaru Forester insurance can dwindle your personal savings and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Insurance companies such as GEICO, Progressive and Allstate all claim big savings, bombarding you with ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

If you currently have car insurance, you will be able to cut costs considerably using this information. Finding the best rates is quite easy. But drivers can benefit from knowing how companies determine prices and use this information to your advantage.

Companies offer discounts so take them!

Properly insuring your vehicles can get expensive, but there could be available discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but a few need to be inquired about in order for you to get them.

  • Homeowners Savings – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current policy expires. It’s a savings of about 10%.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Passive Restraints and Air Bags – Cars that have air bags can get savings up to 30%.
  • No Accidents – Good drivers with no accidents pay less compared to frequent claim filers.
  • Senior Citizens – Older drivers may be able to get reduced rates on Forester insurance.

It’s important to understand that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will help reduce your premiums.

For a list of companies with the best car insurance discounts, click this link.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can aid in determining if your situation would benefit from professional advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is extra glass coverage worth it?
  • Do I need medical payments coverage since I have good health insurance?
  • When can my company non-renew my policy?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

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Educate yourself about insurance coverages

Having a good grasp of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Collision insurance

This covers damage to your Forester from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, a broken windshield, fire damage and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

This provides protection from injuries or damage you cause to people or other property in an accident. It 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. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as repair bills for other people’s vehicles, medical expenses, structural damage and attorney fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for surgery, EMT expenses, funeral costs, ambulance fees and doctor visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Cheaper insurance is a realistic goal

We’ve covered some good ideas how to compare 2000 Subaru Forester insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. You may even find the lowest rates come from a smaller regional carrier. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Progressive or GEICO.

Cheaper insurance can be purchased on the web as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and these small, regional companies work with independent agents.

For more information, feel free to visit the resources below:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

Can I find cheap insurance for a 2000 Subaru Forester?

Yes, by comparing quotes from multiple insurance providers, you can find affordable options for insuring your 2000 Subaru Forester.

How can I lower my insurance costs for a 2000 Subaru Forester?

You can potentially reduce insurance costs by maintaining a good driving record, opting for higher deductibles, bundling policies, and inquiring about available discounts.

Does the trim level of the 2000 Subaru Forester affect insurance rates?

Yes, insurance rates can vary depending on the specific trim level of the 2000 Subaru Forester, as higher-end trims may have higher replacement costs.

Are there any specific safety features that can lower insurance costs for a 2000 Subaru Forester?

Equipping your 2000 Subaru Forester with safety features such as anti-lock brakes, airbags, and an alarm system may qualify you for discounts on insurance premiums.

How does the location of my residence affect insurance rates for a 2000 Subaru Forester?

The location of your residence can impact insurance rates due to factors like crime rates, population density, and regional accident statistics.

Do insurance rates for a 2000 Subaru Forester vary by state?

Yes, insurance rates can vary significantly by state due to differences in regulations, insurance markets, and local factors.

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