2007 Subaru Forester Car Insurance Cost – 8 Tricks for Best Prices

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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: Feb 13, 2020

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Expensive insurance coverage can drain your savings account and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet. Drivers have multiple insurance companies to purchase coverage from, and although it’s nice to have a choice, it can be more difficult to get the best deal.

You should take the time to do rate comparisons yearly since rates trend upward over time. Even if you think you had the best price on Forester insurance two years ago you will most likely find a better rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out one of the easiest ways to get good coverage at a lower rate.

Buying affordable car insurance coverage is quite easy. If you are insured now or are looking for a new policy, you can use this information to get lower rates and possibly find even better coverage. Vehicle owners only need to know the proper methods to compare prices on the web.

How to Compare Car Insurance Costs

Performing a rate comparison can be exhausting if you aren’t aware of the most efficient way. You could waste time talking to insurance companies in your area, or you could save time and use the internet to accomplish the same thing much quicker.

All the larger companies belong to a marketplace that enables customers to complete one form, and at least one company then gives them pricing determined by their information. This eliminates the need for quote forms for every car insurance company.

To find out how much you can save on car insurance click here to open in new window.

One minor caviat to using this type of system is you cannot specify the companies you want to price. So if you prefer to choose individual companies for rate comparison, we have a page of the cheapest car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you’re using apples-to-apples coverages and limits for each price quote. If you have differing limits then you won’t be able to determine the best price for your Subaru Forester.

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Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Does medical payments coverage apply to all occupants?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I break a side mirror?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is extra glass coverage worth it?
  • Can I still get insurance after a DUI?
  • Do I benefit by insuring my home with the same company?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

The coverage is in the details

Learning about specific coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Liability coverage

This coverage can cover damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like structural damage, medical services, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from getting keyed and falling objects. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills like nursing services, EMT expenses and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Auto collision coverage

Collision insurance covers damage to your Forester caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Subaru Forester.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Use our FREE quote tool to compare rates now!

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