Cheap 2002 Subaru Forester Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Overpriced Subaru Forester insurance can take a big chunk out of your savings account and put a big crunch on your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

There are many auto insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it makes it harder to find the lowest rates.

Take discounts and save

Insuring your fleet can be pricey, buy you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but some must be manually applied prior to receiving the credit.

  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Good Students Pay Less – This discount can save 20 to 25%. The discount lasts well after school through age 25.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up online.
  • No Accidents – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Forester insurance than drivers with accident claims.

Drivers should understand that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you’re out of luck. But all discounts will reduce your premiums.

Insurance companies who might offer these benefits include:

Before buying, ask each company which discounts you may be entitled to. Some discounts might not apply in your area.

How to Compare Auto Insurance Costs

There are several ways you can shop for Subaru Forester auto insurance but one way is less labor-intensive and much quicker. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use online quoting to quickly compare rates.

Most of the larger companies participate in a marketplace that allows shoppers to enter their policy data once, and each company can give them a price based on that information. This eliminates the need for repetitive form submissions for every auto insurance company.

To access this free quoting program, click to open in new window.

The one downside to pricing coverage this way is you can’t choose the insurers you want to price. So if you prefer to pick individual companies for rate comparison, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make sure you use the exact same coverages and limits with every price quote. If you are comparing different limits and deductibles on each one it will be very difficult to make a fair comparison for your Subaru Forester. Slightly different insurance coverages may cause a big price difference. And when price shopping your coverage, more quotes helps you find a better price.

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Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • When should I not file a claim?
  • Why is insurance for a teen driver so high?
  • Where can I find high-risk insurance?
  • Am I missing any policy discounts?
  • Does insurance cover damages from a DUI accident?
  • Am I covered by my spouse’s policy after a separation?
  • I don’t drive much so do I pay less?
  • Is rental equipment covered for theft or damage?
  • How high should deductibles be on a 2002 Subaru Forester?
  • What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Specific coverage details

Understanding the coverages of car insurance aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as funeral costs, dental work, hospital visits and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Subaru Forester.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Liability coverages – Liability coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, attorney fees, funeral expenses, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, rolling your car, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, theft, fire damage, rock chips in glass and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Take this to the bank

Low-cost 2002 Subaru Forester insurance is attainable from both online companies and also from your neighborhood agents, so compare prices from both to have the best selection. There are still a few companies who may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

We just covered a lot of tips how to get a better price on insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with a small mutual company. These smaller insurers often have lower prices on specific markets than their larger competitors like Allstate and Progressive.

Additional detailed information is located at these sites:

Use our FREE quote tool to compare rates now!

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Enter your zip code below to view companies that have cheap auto insurance rates.

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