Cheaper 1999 Subaru Forester Car Insurance Rates

Looking for cheaper car insurance rates for your Subaru Forester? Nobody I know cherishes buying car insurance, in particular when their premiums are too high. You have so many car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more difficult to get the best deal.

It is always a good idea to shop coverage around yearly because prices are constantly changing. Just because you had the best deal for Forester coverage a year ago you can probably find a lower rate today. Ignore everything you know about car insurance because we’re going to demonstrate the easiest way to reduce your cost while improving coverage.

Cheap Insurance Comparisons

Finding cheaper 1999 Subaru Forester insurance prices can be surprisingly simple. Drivers just need to take a few minutes to get quotes online from several insurance companies. This can be done using a couple different methods.

The first (and easiest) way to get quotes is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for a different quote for each company. Taking the time to complete one form will get you price quotes direct from many companies.

A more difficult way to get comparison quotes is going to each company website to complete their respective quote request forms. For sake of this example, we’ll pretend you want rates from Geico, Farmers and GMAC. You would have to visit each site to input your insurance information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The hardest way of comparing rate quotes is driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the professional guidance only provided by licensed agents. It is possible to price shop online and get advice from an agent in your area and we’ll touch on that later.

However you get your quotes, double check that you are using exactly the same coverages and limits with every price quote. If each company quotes higher or lower deductibles it will be very difficult to determine the lowest rate for your Subaru Forester.

Don’t pay full price with these discounts

Companies that sell car insurance don’t always list every available discount very well, so we researched both well-publicized and the harder-to-find ways to save on auto insurance. If you don’t get every credit possible, you are paying more than you should be.

  • Air Bag Discount – Vehicles equipped with air bags can qualify for discounts up to 30%.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for Forester coverage with select insurance companies.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Forester coverage than less cautious drivers.
  • Homeowners Savings – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Senior Citizens – If you’re over the age of 55, you may receive reduced rates for Forester coverage.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

A partial list of companies that possibly offer some of the above discounts include:

Check with each insurance company how you can save money. Savings might not apply in every state.

Your personal situation dictates your coverage

When buying coverage, there is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Does my 1999 Subaru Forester need full coverage?
  • Which companies will insure high-risk drivers?
  • If my pet gets injured in an accident are they covered?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I getting all the discounts available?
  • How can I find cheaper teen driver insurance?
  • Does my car insurance cover rental cars?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverages for a 1999 Subaru Forester

Having a good grasp of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Collision insurance

Collision insurance covers damage to your Forester from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, colliding with a tree, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverage

Liability coverage provides protection from damage that occurs to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like medical expenses, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, fire damage and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, hospital visits, nursing services, X-ray expenses and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible