Affordable Quotes for Subaru Forester Insurance in Columbus

Being forced to pay for overpriced car insurance premiums can eat up your savings and maybe even restrict other spending. Doing a price comparison can lower your rates and help to tighten up your finances.

We don’t have to point out that fact that insurance companies don’t want policyholders to shop around. Consumers who compare other rates will probably buy a new policy because there is a good probability of finding a cheaper policy. A recent car insurance study revealed that consumers who made a habit of comparing rate quotes saved as much as $865 a year compared to policyholders who never shopped around for cheaper prices.

If finding the cheapest price for Subaru Forester insurance is why you’re reading this, then having a grasp of how to get price quotes and compare insurance can save time and make the process easier. Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a insurance company to find the best rates possible on Subaru Forester insurance in Columbus.

If you’re already insured or are looking for a new policy, use these cost-cutting techniques to reduce the price you pay and still have adequate protection. Finding the cheapest auto insurance coverage in Columbus is actually very simple if you learn how to start. Smart shoppers only need an understanding of the tricks to buy auto insurance from many companies at once.

The companies in the list below provide price quotes in Ohio. If several companies are displayed, we recommend you visit several of them to get the most affordable price.

Do you qualify for discounts on Subaru Forester insurance in Columbus?

Buying insurance is not cheap, but companies offer discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time of quoting, but occasionally some discounts must be inquired about before they will apply.

• Discount for Low Mileage – Driving less could be rewarded with slightly better rates than normal.
• Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
• Multiple Policy Discount – If you combine your homeowners and auto policies with one company they may give you a discount of up to 20% off your total Forester insurance premium.
• Employee of Federal Government – Having worked for a branch of the government may reduce rates when you quote Columbus car insurance but check with your company.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
• Accident Waiver – Not a discount per se, but a few companies such as State Farm and GEICO will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.

You should keep in mind that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, that’s just not realistic.

The chart below illustrates the difference between Subaru Forester car insurance costs with and without discounts. The rate quotes are based on a female driver, no accidents, no driving violations, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, homeowner, multi-car, and safe-driver discounts applied.

A few of the larger companies and some of the premium reductions they offer are:

• Farmers Insurance may offer discounts for switch companies, teen driver, electronic funds transfer, youthful driver, alternative fuel, and mature driver.
• State Farm offers discounts including anti-theft, accident-free, Drive Safe & Save, good driver, and Steer Clear safe driver discount.
• Liberty Mutual offers premium reductions for good student, teen driver discount, multi-policy, newly retired, and new move discount.
• MetLife discounts include defensive driver, claim-free, good driver, multi-policy, accident-free, good student
• Progressive has discounts for continuous coverage, online quote discount, good student, multi-policy, homeowner, and online signing.

Before purchasing a policy, check with all companies you are considering the best way to save money. Some of the earlier mentioned discounts may not apply in Columbus. For a list of providers with the best discounts in Ohio, click this link.

Subaru Forester insurance charts and tables

The information shown next showcases a range of insurance costs for Subaru Forester models. Having insight into how premiums are formulated can assist in making decisions when choosing a new policy provider.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in specific garaging location which can impact premiums considerably.

Comparison of policy deductibles

A question often asked by Columbus drivers is what deductibles to buy. The following insurance rates may help you to understand the cost difference when you buy lower versus higher deductibles. The first rate quote example uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can influence prices considerably.

Based on these figures, using a $250 deductible costs roughly $10 more each month or $120 every year than opting for the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average more than 25 months between claims, you would more than likely save some money by selecting a higher deductible.

Should you buy full coverage?

The chart below compares Subaru Forester yearly insurance costs with and without full coverage. The costs are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There is no definitive guideline to drop comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Subaru Forester replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your deductible. If it’s costing you more than $200 a year to have full coverage, then you might consider buying liability only.

There are some scenarios where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Subaru Forester Insurance Cost Factors

It’s important that you understand some of the elements that are used to determine the rates you pay for car insurance. If you understand what determines premiums, this empowers consumers to make smart changes that may reward you with better car insurance rates.

• Your car’s features help determine prices – Choosing to buy a car that has a built-in theft deterrent system can help lower your premiums. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft and help lower rates.

• Gender and auto insurance premiums – The statistics show that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Females and males tend to get into fender benders at about the same rate, but the men cause more damage and cost insurance companies more money. Men also have more aggressive citations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore pay the highest rates.

  The diagram below illustrates the comparison of Subaru Forester insurance prices for male and female drivers. The prices are based on no violations or claims, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

• You may save more by bundling policies – Lots of car insurance companies apply a discount to people who have multiple policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, it’s in your best interest to shop around to help guarantee you have the best rates.

• With age comes lower costs – Older drivers are more cautious drivers, cost insurance companies less in claims, and get fewer tickets. Youthful drivers are statistically shown to be careless and easily distracted when at the wheel of a vehicle so car insurance rates are higher.

  The next chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

• Save miles driven and save money – The higher the miles on your Subaru in a year the higher the price you pay to insure it. The majority of insurers charge to insure your cars based on how the vehicle is used. Cars and trucks that do not get driven very much receive lower rates compared to those used for work or business. Improper usage on your Forester is just wasting money. It’s a smart idea to ensure your car insurance declarations sheet correctly shows the correct usage, because improper ratings can cost you money.
• Save money by having high credit – An insured’s credit score is a big factor in determining what you pay for car insurance. Drivers with very high credit ratings tend to be less risk to insure than drivers with poor credit. If your credit history leaves room for improvement, you could save money insuring your Subaru Forester by improving your credit score.

• Subaru Forester historical loss data – Auto insurance companies analyze the history of losses to help calculate a profitable premium rate. Vehicles that statistically have a trend towards higher claim severity or frequency will cost more to insure. The next table illustrates the insurance loss data for Subaru Forester vehicles.

  For each policy coverage type, the loss probability for all vehicles, as a total average, is a value of 100. Percentage numbers below 100 suggest a better than average loss history, while values over 100 indicate more frequent losses or tendency to have higher losses.

  
  

  Insurance Loss Ratings for Subaru Forester Vehicles

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Subaru Forester 4dr 4WD	71	80	108	72	76	68
  Subaru Forester 4dr 4WD with Eyesight	74	66	118	77	78	53

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When to contact a local insurance agent

Certain consumers just prefer to get professional advice from a licensed agent and that is OK! Insurance agents can point out coverage gaps and help in the event of a claim. A nice benefit of price shopping on the web is that you can find cheap insurance rates but also keep your business local. Buying from and supporting local insurance agents is definitely important in Columbus.

To help locate an agent, after submitting this quick form, your coverage information is immediately sent to agents in your area who want to provide quotes for your business. You won’t even need to even leave your home as quotes are delivered to you instantly. If you wish to get a comparison quote for a specific company, just search and find their rate quote page and fill out the quote form the provide.

Choosing the best insurer should depend on more than just the quoted price. These are some questions your agent should answer.

• Which members of your family are coverage by the policy?
• How would your car be valued if totaled?
• Do the agents have professional certifications like CPCU or CIC?
• Will their companies depreciate repairs to your car based on the mileage?
• Are they actively involved in the community?
• Who are their largest clients?
• Does the agency have a current Errors and Omissions policy?

Do I just need basic coverages?

When quoting and comparing coverage, there really is no cookie cutter policy. Every situation is different.

For example, these questions may help highlight if your situation would benefit from professional advice.

• Am I insured when driving a different vehicle?
• Am I covered if my car is in a flood?
• What is PIP insurance?
• What are good deductibles for a Subaru Forester?
• Do they offer discounts for home and auto coverage?
• Does having multiple vehicles earn me a discount?
• Is my dog or cat covered if injured in an accident?
• What does medical payments cover?
• Do I have coverage if I rent a car in Mexico?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

More effort can pay off

Cheaper Subaru Forester insurance in Columbus is definitely available on the web and with local Columbus insurance agents, so get free Columbus car insurance quotes from both of them to have the best rate selection. A few companies don’t offer price quotes online and most of the time these regional insurance providers only sell coverage through independent agents.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

In this article, we presented some good ideas how you can lower your Subaru Forester insurance prices in Columbus. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even be surprised to find that the lowest priced car insurance comes from the smaller companies.

How to buy low-cost Subaru Forester insurance in Columbus

The easiest way to find discount Subaru Forester insurance in Columbus is to start doing an annual price comparison from companies that insure vehicles in Ohio. You can compare rates by following these steps.

• Step 1: Learn about coverages and the factors you can control to prevent high rates. Many rating criteria that are responsible for high rates like tickets, at-fault accidents, and bad credit can be improved by making minor driving habit or lifestyle changes.
• Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of companies. Find a Columbus insurance agent
• Step 3: Compare the new rate quotes to your current policy premium and determine if cheaper Forester coverage is available in Columbus. If you find a better price and buy the policy, make sure there is no lapse in coverage.

The most important part of shopping around is to try to use similar limits and deductibles on each quote request and and to compare as many auto insurance providers as possible. This guarantees a fair price comparison and the best price selection.

Additional resources

• Bodily Injury Coverage (Liberty Mutual)
• Who Has Cheap Auto Insurance for a Honda Accord in Columbus? (FAQ)
• Who Has Affordable Columbus Car Insurance for a GMC Acadia? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for a Mazda CX-7 in Columbus? (FAQ)
• How to Avoid Staged Accidents (State Farm)
• Older Driver Statistics (Insurance Information Institute)