Cheap 2009 Subaru Forester 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 24, 2022

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Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you you’re not alone.

Insurance companies such as GEICO, Progressive and Allstate promote their brand names with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Smart consumers take time to do rate comparisons before your policy renews because insurance rates go up and down regularly. Despite the fact that you may have had the lowest rates for Forester coverage a year ago you may be paying too much now. There is too much inaccurate information about auto insurance online, so we’re going to give you some excellent ideas to put money back in your pocket.

Are you getting all your discounts?

Car insurance companies do not advertise every available discount very clearly, so we researched some of the more common and the more hidden savings tricks you should be using.

  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Forester coverage with a few auto insurance companies.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn a substantially lower rate.
  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way.

Car insurance companies that may offer these discounts may include but are not limited to:

Check with each insurance company which discounts they offer. Some discounts might not apply in every state.

Tailor your coverage to you

When it comes to buying coverage, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • What discounts do I qualify for?
  • Can I afford low physical damage deductibles?
  • If I drive on a suspended license am I covered?
  • Do I need replacement cost coverage?
  • What is UM/UIM insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

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Car insurance coverages explained

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average car insurance policy.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, hail damage, damage from a tornado or hurricane, damage from flooding and vandalism. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for bills like funeral costs, chiropractic care and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as repair costs for stationary objects, medical expenses, pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2009 Subaru Forester.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverage

Collision insurance will pay to fix damage to your Forester resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Be a Smart Shopper

Low-cost 2009 Subaru Forester insurance is possible on the web and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some insurance providers may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an insured cut full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

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