Save on 2010 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 23, 2022

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Searching for cheaper auto insurance rates? Consumers have many options when looking for low-cost Subaru Forester insurance. You can either waste hours calling around getting price quotes or utilize the internet to get rate quotes.

There is a right way and a wrong way to buy auto insurance so you’re going to learn the proper way to quote coverages for a Subaru and obtain the cheapest rates.

The easiest way to get policy rate comparisons is to know most insurance companies actually pay money for the chance to quote your coverage. To begin a comparison, all you need to do is take a few minutes to give details like if it has an anti-theft system, how your vehicles are used, your credit rating estimate, and your job. That information is submitted instantly to all major companies and you get price estimates almost instantly.

To compare multiple company rates now, click here and find out if lower rates are available.

Verify you’re getting all your discounts

Car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically when you complete an application, but lesser-known reductions have to be inquired about prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.
  • No Accidents – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
  • Club Memberships – Affiliation with a qualifying organization could qualify you for a break when shopping for car insurance for Forester insurance.
  • Drive Less and Save – Keeping the miles down on your Subaru could be rewarded with lower rates on the low mileage vehicles.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current expiration date. It’s a savings of about 10%.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Forester insurance than drivers with accident claims.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Driver Safety – Taking a course in driver safety could save 5% or more if you qualify.

Consumers should know that some credits don’t apply to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.

Insurance companies who might offer some of the above discounts include:

Check with each company which discounts you may be entitled to. Some discounts may not be available in your area.

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When should I talk to an agent?

When it comes to buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions may help you determine if you might need an agent’s assistance.

  • How do I file an SR-22 for a DUI in my state?
  • Should I get collision insurance on every vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • If I drive on a suspended license am I covered?
  • Do I need more liability coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I have coverage when making deliveries for my home business?
  • Should I rate my 2010 Subaru Forester as pleasure use or commute?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Understanding the coverages of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Subaru Forester.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability insurance

Liability insurance will cover damage or injury you incur to other’s property or people. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, bail bonds, funeral expenses and legal defense fees. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding, rock chips in glass and fire damage. The highest amount a insurance company will pay at claim time 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.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for rehabilitation expenses, nursing services, EMT expenses, dental work and surgery. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

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