2008 Subaru Forester Insurance Quotes – 7 Savings Tips

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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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Locating low-cost insurance for a Subaru Forester can turn out to be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to find auto insurance online so you’re going to learn the quickest way to compare rates on a Subaru and obtain the cheapest rates.

How to Compare Insurance

Comparing insurance rates can take time and effort if you aren’t aware of the most efficient way to do it. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting for quick rates.

Most of the best insurance companies participate in a marketplace where insurance shoppers complete one form, and each company can provide price quotes based on that information. This eliminates the need for quotation requests to each company.

To submit your quote information now, click here to start a free quote.

The single downside to using this type of system is buyers cannot specifically choose the providers you want pricing from. If you prefer to choose specific insurance companies for rate comparison, we have a listing of companies who write insurance in your area. Click to view list.

Which method you use is up to you, but make sure you use exactly the same coverage limits and deductibles on every quote. If the quotes have different liability limits it will be impossible to decipher which rate is best.

Is my situation unique?

When buying coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • Am I covered if I break a side mirror?
  • How many claims can I have before being canceled?
  • Am I insured when driving a different vehicle?
  • Why is insurance for a teen driver so high?
  • Is motorclub coverage worth it?
  • Can I afford to buy a different vehicle if my 2008 Subaru Forester is totaled?
  • What is high-risk coverage and where do I buy it?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

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Coverages available on your policy

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills like rehabilitation expenses, pain medications and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, vandalism and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Subaru Forester.

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 is very important.

Liability auto insurance

This coverage can cover damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage protects against things like emergency aid, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Forester from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, hitting a mailbox, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Use our FREE quote tool to compare rates now!

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