Save on 1999 Subaru Forester Insurance Quotes

Want lower car insurance rates? Drivers have lots of choices when trying to find the lowest priced Subaru Forester insurance. You can either spend your time calling around to compare prices or save time using the internet to make rate comparisons.

There is a right way and a wrong way to buy car insurance and you need to know the proper way to compare rates for a new or used Subaru and locate the lowest possible price.

It is always a good idea to get comparison quotes at least once a year due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you got the best deal for Forester insurance a year ago you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the best way to eliminate unnecessary coverages and save money.

Discounts for cheaper auto insurance rates

Auto insurance companies don’t always list the entire discount list in an easy-to-find place, so we researched both well-publicized as well as the least known ways to save on auto insurance.

  • Early Renewal Discounts – A few auto insurance companies allow discounts for switching to them before your current coverage expires. This can save 10% or more.
  • Defensive Driver Discounts – Participating in a course teaching safe driver skills could earn you a small percentage discount and easily recoup the cost of the course.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
  • Active Military Service – Being deployed in the military can result in better rates.
  • Life Insurance – Auto insurance companies who offer life insurance give better auto insurancerates if you take out a life policy as well.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
  • First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies may permit one accident before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
  • Multiple Vehicles – Buying insurance for primary and secondary vehicles on the same auto insurance policy could earn a price break for each car.
  • Sign Online – A few larger companies give back up to $50 for completing your application on your computer.
  • Anti-theft System – Cars that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.

Just know that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you could get a free auto insurance policy, you aren’t that lucky.

The best auto insurance companies and a selection of discounts are shown below.

  • AAA policyholders can earn discounts including anti-theft, multi-car, good student, good driver, education and occupation, AAA membership discount, and pay-in-full.
  • Progressive discounts include homeowner, good student, multi-policy, multi-vehicle, online signing, continuous coverage, and online quote discount.
  • State Farm offers discounts including multiple autos, Drive Safe & Save, safe vehicle, defensive driving training, and student away at school.
  • Esurance may include discounts for multi-car, anti-theft, paid-in-full, good driver, online shopper, good student, and DriveSense.
  • Nationwide offers discounts for defensive driving, anti-theft, family plan, good student, business or organization, and Farm Bureau membership.

Double check with all companies you are considering which discounts you qualify for. Some discounts listed above might not apply everywhere. To view insurance companies who offer online auto insurance quotes, click this link.

Compare auto insurance quotes online

There are a lot of ways to compare auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to quickly compare rates.

Most major companies participate in an industry program where insurance shoppers enter their coverage request one time, and each company returns a rated price for coverage. This eliminates the need for quotation requests to each individual auto insurance company.

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

The only downside to using this type of system is you are unable to specify which insurance companies you want to price. If you wish to select specific insurance companies to compare, we have a page of low cost auto insurance companies in your area. Click to view list.

However you get your quotes, ensure you’re using apples-to-apples coverage data for each price quote. If you have different values for each quote it’s impossible to determine the lowest rate for your Subaru Forester.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

  • Am I covered when driving in Canada or Mexico?
  • Why does it cost so much to insure a teen driver?
  • How does medical payments coverage work?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When would I need rental car insurance?
  • How do I insure my teen driver?

If you can’t answer these questions, 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 can provide invaluable advice.

Insurance policy coverages for a 1999 Subaru Forester

Having a good grasp of your insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments – Med pay and PIP coverage kick in for bills for X-ray expenses, chiropractic care and pain medications. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability car insurance – Liability coverage can cover damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, attorney fees, structural damage and legal defense fees. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Collision coverage – Collision insurance pays for damage to your Forester from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, sustaining damage from a pot hole, crashing into a building, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Subaru Forester.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, theft and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Never pay more for less

As you quote auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced comprehensive coverage or liability limits and learned later that it was a big error on their part. Your objective should be to purchase plenty of coverage at a price you can afford.

Some insurance companies may not provide online price quotes and many times these small, regional companies provide coverage only through independent agents. Cost effective 1999 Subaru Forester insurance can be sourced online in addition to local insurance agencies, so compare prices from both so you have a total pricing picture.

Consumers change insurance companies for many reasons like policy non-renewal, lack of trust in their agent, not issuing a premium refund or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company is easier than you think.

Additional car insurance information can be found at these links: