2004 Subaru Forester Insurance Quotes

Trying to find cheaper car insurance rates for your Subaru Forester? Nobody likes having to buy car insurance, especially knowing they could find better prices if they shop around.

Drivers have many auto insurance companies to choose from, and though it is a good thing to have a choice, more options can take longer to compare company pricing.

Buying the cheapest insurance coverage is quite easy. Basically, anyone who is shopping for insurance will most likely be able to cut their insurance bill. But drivers can benefit from knowing the way insurance companies sell online because it can help you find the best coverage.

Learn how to find insurance for less

An important part of buying insurance is that you know the factors that aid in calculating the price you pay for insurance. If you know what determines premiums, this allows you to make good choices that may result in cheaper rates.

  • Credit rating impacts prices – A driver’s credit score is a big factor in determining your rates. So if your credit score can use some improvement, you could potentially save money when insuring your 2004 Subaru Forester by repairing your credit. Consumers who have good credit tend to be better drivers and file fewer claims as compared to drivers with worse credit.
  • Extra policy coverages can add up – Insurance policies have a lot of extra coverages that sound like a good idea at the time when buying insurance. Insurance for rental car reimbursement, towing coverage, and additional equipment coverage are some examples. They may seem like a good idea initially, but if they’re wasting money remove them from your policy.
  • See if your company offers a multi-policy discount – Most major insurance companies provide a discount to clients who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be 10 percent or more. Even with this discount, you may still want to compare other company rates to make sure you are getting the best deal. You may still save even more by buying insurance from a different company.
  • Your location is important – Residing in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. Drivers who live in large cities have more road rage incidents and longer commute times. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims.
  • Higher rates for specific occupations – Occupational choices like military generals, business owners and miners generally have higher rates than average attributed to intense work requirements and lots of time spent at work. Conversely, careers like scientists, historians and the unemployed generally pay rates lower than average for Forester coverage.
  • Traffic violations will cost you – Whether or not you get tickets impacts premiums far more than you think. Attentive drivers have lower premiums than their less careful counterparts. Getting just one chargable violation can increase the cost of insurance twenty percent or more. Drivers who have careless citations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Reserve claims for larger damages – Companies generally give discounts to policyholders who are claim-free. If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Free car insurance price quotes

When looking for low cost car insurance quotes, there are a couple ways to compare rate quotes from lots of car insurance companies. The recommended way to find the cheapest 2004 Subaru Forester insurance rates involves getting comparison quotes online. This is very easy and can be done in several different ways.

  1. If you are pressed for time, the simplest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This style of form keeps you from doing separate quotation requests for each company you want a rate for. One form will return quotes from all major companies.
  2. A slightly less efficient method to find more affordable insurance is going to each individual company website and go through the quote process again. For example, let’s say you want to compare prices for USAA, State Farm and Progressive. You would be required to take the time to go to each site and enter your information, which can get rather old. For a list of companies in your area, click here.
  3. The least recommended way to quote and compare insurance rates is driving around to different agent offices. Quoting and buying insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the peace of mind only provided by licensed agents. Although, it is possible find lower rates online and still use a local agent.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverage information on every quote. If the quotes have unequal deductibles or liability limits you will not be able to determine the best price for your Subaru Forester. Just slight variations in coverage limits could throw off the whole comparison. Just keep in mind that obtaining a wide range of quotes helps locate the best rates.

Insurance advertising tricks

Car insurance providers like State Farm and Allstate endlessly run ads on television and other media. All the companies make an identical promise that people will save after switching your policy. That’s great but how can every company make the same claim? This is how they do it.

All the different companies have strict underwriting profiles for the driver that will not have excessive claims. For example, a preferred risk may need to be between 25 and 40, owns a home, and drives less than 10,000 miles a year. Anybody who matches those parameters receives the best prices as well as save a lot of money.

Insureds who are not a match for this stringent profile may be forced to pay higher rates which translates to business going elsewhere. The trick is to say “people who switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can confidently advertise the way they do.

This emphasizes why you need to compare quotes as often as possible. It’s just too difficult to predict which company will fit you best based on your risk profile.

Do you qualify for discount car insurance?

Some providers don’t necessarily list all available discounts very well, so the list below gives a summary of a few of the more common and also the more inconspicuous credits that you can use to lower your rates. If you do not check that you are getting every discount possible, you are not getting the best rate possible.

  • Discounts for Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates for Forester coverage than less cautious drivers.
  • No Charge for an Accident – Not really a discount, but companies like State Farm, Progressive and GEICO will let one accident slide without the usual rate increase as long as you don’t have any claims for a set time period.
  • Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save up to 15% on medical payment and PIP coverage.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
  • E-sign Discounts – A handful of companies provide a small discount simply for signing digitally online.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Subaru can earn cheaper car insurancerates.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your car insurance quote.
  • Defensive Driver – Passing a safe driver course may get you a small discount depending on where you live.

Remember that most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount should definitely cut the cost of your policy.

A few popular companies and a selection of discounts include:

  • Progressive includes discounts for online signing, multi-vehicle, continuous coverage, multi-policy, good student, online quote discount, and homeowner.
  • AAA offers discounts for multi-policy, good student, education and occupation, multi-car, good driver, anti-theft, and pay-in-full.
  • Farmers Insurance has savings for teen driver, pay in full, good student, early shopping, and switch companies.
  • GEICO policyholders can earn discounts including anti-lock brakes, driver training, membership and employees, defensive driver, five-year accident-free, daytime running lights, and air bags.
  • Esurance offers premium reductions for renters, online quote, paid-in-full, defensive driver, Pac-12 alumni, and emergency road assistance.
  • SAFECO has discounts for homeowner, drive less, teen safety rewards, multi-car, and anti-lock brakes.
  • State Farm may have discounts that include defensive driving training, Steer Clear safe driver discount, safe vehicle, driver’s education, and good student.

It’s a good idea to ask each company how many discounts you can get. Some of the discounts discussed earlier may not apply to policies in every state. To view insurers who offer discounts, click here.

What insurance coverages do I need?

When buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions could help you determine if you could use an agent’s help.

  • How do I buy GAP insurance?
  • Am I covered when driving in Canada or Mexico?
  • What happens if I owe more than my 2004 Subaru Forester is worth?
  • Does my car insurance cover rental cars?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does insurance cover tools stolen from my truck?

If you can’t answer these questions but one or more may apply to you, you might consider talking 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.

Insurance coverage considerations

Understanding the coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Subaru Forester.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, vandalism, hitting a deer and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills like chiropractic care, rehabilitation expenses, doctor visits and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage – Collision coverage covers damage to your Forester from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability insurance – Liability coverage provides protection from damage that occurs to a person or their property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as funeral expenses, emergency aid, repair bills for other people’s vehicles, pain and suffering and loss of income. How much coverage you buy is your choice, but buy as large an amount as possible.

Quote more, save more

When searching for cheap car insurance quotes, it’s very important that you do not buy poor coverage just to save money. There have been many cases where someone sacrificed physical damage coverage only to regret that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

You just learned some good ideas how to reduce 2004 Subaru Forester insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates come from a smaller regional carrier. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate, GEICO and Progressive.

More detailed insurance coverage information is located at these sites: