Want to learn the secrets to finding low-cost Subaru Forester insurance in Philadelphia? Are you regretting buying an overpriced car insurance policy? Trust us when we tell you you're not alone.
We don't have to point out that fact that insurance companies don't want their policyholders to compare prices. People who shop for lower rates are highly likely to buy a different policy because there are good odds of finding discount prices. A recent survey revealed that people who shopped around every year saved about $865 annually compared to those who didn't regularly shop around.
If finding discount rates on Subaru Forester insurance is your goal, understanding the best way to quote and compare coverage rates can make the process more efficient. Because you have many companies and agents to choose from, it is hard for the average consumer to choose the most affordable company.
Consumers need to quote other rates quite often because prices tend to go up over time. Despite the fact that you may have had the lowest rate on Subaru Forester insurance in Philadelphia at your last renewal you can probably find a lower rate today. Block out anything you think you know about car insurance because you're going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.
This information will instruct you on how to get online quotes and how to save the most money. If you currently have a car insurance policy, you will be able to find better prices using these techniques. Shoppers just have to learn the tricks to compare price quotes online from multiple companies.
Get lower-cost Subaru Forester insurance in Philadelphia with discounts
Companies offering auto insurance do not advertise their entire list of discounts very well, so we break down some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.
- Waiver for an Accident - Not necessarily a discount, but some companies like GEICO, Allstate and Liberty Mutual permit an accident without raising rates if you are claim-free before the accident.
- Discount for Good Grades - Performing well in school may save you up to 25%. You can use this discount normally well after school through age 25.
- Clubs and Organizations - Participating in a civic or occupational organization in Philadelphia is a good way to get lower rates on your next renewal.
- Save with a New Car - Putting insurance coverage on a new Forester may earn a small discount because new vehicles are generally safer.
- No Claim Discounts - Philadelphia drivers who stay claim-free pay less when compared with accident-prone drivers.
- Life Insurance Discount - Not all insurance companies offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.
You should keep in mind that some credits don't apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you could get a free car insurance policy, companies wouldn't make money that way.
The example below visualizes the comparison of Subaru Forester annual premium costs with and without discounts applied to the policy premium. Data assumes a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, multi-car, homeowner, and marriage discounts applied.
Auto insurance companies that may offer most of these discounts include:
Before buying, ask every company to apply every possible discount. All car insurance discounts may not apply in your state. To choose providers with significant discounts in Pennsylvania, click this link.
The companies in the list below offer price comparisons in Pennsylvania. If multiple companies are listed, we suggest you compare several of them to find the most affordable car insurance rates.
Subaru Forester coverage statistics
The rate table shown next outlines a range of insurance prices for Subaru Forester models. Having knowledge of how rates are determined is important for you to make smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$246||$420||$316||$18||$94||$1,094||$91|
|Forester X Premium AWD||$246||$420||$316||$18||$94||$1,094||$91|
|Forester X Premium AWP AWD||$246||$420||$316||$18||$94||$1,094||$91|
|Forester X Limited Edition AWD||$276||$420||$316||$18||$94||$1,124||$94|
|Forester X Limited Edition W/Navigation AWD||$276||$494||$316||$18||$94||$1,198||$100|
|Forester XT AWD||$276||$494||$316||$18||$94||$1,198||$100|
|Forester XT Limited Edition AWD||$276||$494||$316||$18||$94||$1,198||$100|
|Forester XT Limited Edition W/Navigation AWD||$276||$494||$316||$18||$94||$1,198||$100|
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price estimates do not factor in specific location information which can lower or raise coverage prices noticeably.
The example below illustrates how your choice of deductibles and can affect Subaru Forester premium costs for different ages of insureds. The data is based on a married male driver, comp and collision included, and no discounts are factored in.
Gender-based car insurance premiums
The illustration below shows the difference between Subaru Forester yearly insurance costs for male and female drivers. The rates are based on no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
Subaru Forester liability-only versus full coverage
The example below illustrates the comparison of Subaru Forester insurance costs with liability coverage only compared to full coverage. The premium estimates are based on no accidents or driving violations, $500 deductibles, single status, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no clear-cut formula of when to stop paying for physical damage coverage, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let's say your Subaru Forester book value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after paying your policy deductible. If it's costing you more than $800 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some conditions where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Your insurance coverage should be tailored to you
When quoting and choosing your policy for your vehicles, there isn't really a best way to insure your cars. Your financial needs are unique.
Here are some questions about coverages that can aid in determining if your situation might need an agent's assistance.
- Can I insure my car for more than it's worth?
- Can I rent a car in Mexico?
- Is business equipment covered while in my vehicle?
- Why am I be forced to buy a membership to get insurance from some companies?
- How much underlying liability do I need for an umbrella policy?
- What are the liability requirements in my state?
- Where can I find DUI or SR-22 insurance?
- What is PIP insurance?
- What if I don't agree with a claim settlement offer?
If it's difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It's fast, free and can help protect your family.
Buying from insurance agencies
Some people still prefer to visit with an insurance agent and doing that can be a smart decision Professional insurance agents can help determine the best coverages and give you someone to call. One of the benefits of comparing rate quotes online is the fact that drivers can get better rates and still buy from a local agent. Buying insurance from local agencies is definitely important in Philadelphia.
After completing this simple form, the coverage information is immediately sent to local insurance agents in Philadelphia that can give you free Philadelphia auto insurance quotes for your coverage. It simplifies rate comparisons since you won't have to contact any agents since rate quotes are delivered immediately to your email address. If for some reason you want to compare rates from a specific company, you would need to find their quoting web page and give them your coverage information.
Exclusive agents vs. Independent agents
If you are wanting to find a good insurance agency, you should know the different types of agencies that you can select. Philadelphia agents can be classified as either independent agents or exclusive agents. Both can sell auto insurance policies, but it is important to understand why they differ since it could factor into the selection process.
Independent Agents (or Brokers)
Agents in the independent channel are normally appointed by many insurers and that enables them to quote your coverage through many different auto insurance companies enabling the ability to shop coverage around. If they find a lower price, they simply switch companies in-house and you don't have to find a new agent. When searching for an agent, you need to include rate quotes from at a minimum one independent agency to get the best comparison.
The following are independent agents in Philadelphia that can possibly get you cheap rate quotes.
These type of agents have only one company to place business with such as AAA, Allstate, and State Farm. These agents are not able to compare other company's rates so they have no alternatives for high prices. These agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates.
Below are exclusive insurance agencies in Philadelphia that can give you price quote information.
Finding the right insurance agent is decision based upon more than just the premium amount. You should also get answers to these questions.
- Do they see any coverage gaps in your plan?
- Do they offer rental car reimbursement?
- Is the agent and/or agency licensed to do business in Pennsylvania?
- Does the agency provide any after hours assistance?
- Do you qualify for any additional discounts?
- How long has the business existed?
- How many companies do they write for?
- Do they offer accident forgiveness?
After getting acceptable answers to any questions you have and a good coverage price, most likely you have located an insurance agency that can be relied on to adequately provide auto insurance.
Quote. Compare. Save.
We just covered quite a bit of information on how to get a better price on Subaru Forester insurance in Philadelphia. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the lowest rates are with a company that doesn't do a lot of advertising.
As you quote Philadelphia auto insurance, make sure you don't buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your goal should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.
Affordable Subaru Forester insurance in Philadelphia is available both online and from local insurance agents, so you need to shop Philadelphia auto insurance with both in order to have the best price selection to choose from. There are still a few companies who may not offer online quoting and most of the time these small, regional companies work with independent agencies.
Other learning opportunities
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has Affordable Auto Insurance for a Ford F-150 in Philadelphia? (FAQ)
- How Much is Philadelphia Car Insurance for Drivers with Accidents? (FAQ)
- Who Has Cheap Car Insurance Rates for a Toyota Highlander in Philadelphia? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Dodge Ram in Philadelphia? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Auto Crash Statistics (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)