2003 Subaru Forester Insurance Rates – 6 Tips for Cheaper Quotes

Looking for better insurance rates? Shoppers have a choice when shopping for the best price on Subaru Forester insurance. They can either spend hours struggling with agents to compare prices or use the internet to find the lowest rates.

There are both good and bad ways to compare insurance rates and we’ll show you the best way to get price quotes for your Subaru and find the lowest price either online or from local insurance agents.

You need to check insurance prices before your next renewal because prices are constantly changing. Just because you had the lowest price for Forester insurance a few years ago other companies may now be cheaper. There is a lot of bad information regarding insurance out there, but you can learn some guaranteed methods to lower your insurance bill.

If you have a policy now or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. The purpose of this article is to let you in on the most effective way to quote insurance and some tips to save money. Drivers just need to know the tricks to get comparison quotes over the internet.

Drivers save money with with these six discounts

Some insurance providers do not advertise the entire discount list in an easy-to-find place, so we researched both the well known as well as the least known discounts that you may qualify for.

  • Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
  • Multi-car Discount – Insuring primary and secondary vehicles on one policy qualifies for this discount.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.
  • Telematics Data – Insureds who allow companies to study when and where they use their vehicle through the use of a telematics system like Allstate’s Drivewise could see a rate decrease if they show good driving skills.
  • Senior Citizen Discount – Older drivers may be able to get lower premium rates for Forester insurance.
  • Safety Restraint Discount – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, insurance companies aren’t that generous.

A partial list of companies that may include these money-saving discounts include:

Before you buy a policy, ask each company which discounts they offer. Depending on the company, some discounts might not apply in your area. To see providers who offer cheap insurance quotes, follow this link.

Your situation helps dictate your coverage

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • Is upholstery damage covered by car insurance?
  • When would I need rental car insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have coverage if my license is suspended?
  • What is the minimum liability in my state?
  • Is extra glass coverage worth it?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Slick advertising tricks that work

Consumers can’t avoid all the ads for cheaper insurance coverage from companies such as Allstate, GEICO and Progressive. They all seem to advertise the message that you can save if you change your policy.

How is it possible that every company can claim to save you money? This is the way they can do it.

Different companies offer their best rates for the type of driver that will most likely be profitable. An example of this type of insured might be between 30 and 50, has a clean driving record, and drives newer vehicles. Someone that meets those criteria will probably get the lowest car insurance rates and will most likely save a lot if they switch.

Insureds who cannot meet the requirements will be quoted higher rates which translates to business going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can make claims that they all have the best car insurance rates.

This really emphasizes why you should get a wide range of price quotes. It’s not possible to predict with any certainty which company will have the lowest rates.

The coverage is in the details

Having a good grasp of auto insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses such as rehabilitation expenses, dental work, EMT expenses and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hitting a bird and rock chips in glass. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays for damage to your Forester resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Auto liability

Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, bail bonds, medical services and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Quote often and quote early

Cost effective 2003 Subaru Forester insurance can be bought on the web in addition to local insurance agencies, so you should compare both to have the best selection. Some companies may not provide the ability to get quotes online and these regional insurance providers work with independent agents.

People who switch companies do it for many reasons like high rates after DUI convictions, policy non-renewal, delays in responding to claim requests or even delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

Throughout this article, we presented many ideas to reduce 2003 Subaru Forester insurance rates online. The key concept to understand is the more rate quotes you have, the better likelihood of getting low cost car insurance. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising.

Even more information can be read in the articles below: