Buying cheaper car insurance for a Subaru Forester can be really easy, but it hinges on a lot of things such as whether you are married, your occupation, and any prior driving offenses you have. Virginia drivers pay around $1,004 each year to insure their Forester, but that amount is a valuation using a 30-year-old single male driver with full coverage and $100 deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not 30 years old and maybe not even male, you might be married instead of single, or maybe you have a speeding ticket or two that will increase rates. Have just a small change in rating criteria can result in a massive change in the coverage rate.
Not every driver requires the same auto insurance coverages, so the best way to find cheap insurance rates for your Subaru is to compare as many rates as possible. In just a couple of minutes you will be able to see rates from some of the best insurers available.
The trim level of your vehicle will likely have an effect on the yearly cost, so the price to insure a Forester X AWD will be $106 cheaper than the insurance cost for the fancier Forester XT Limited Edition W/Navigation AWD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$284||$400||$286||$16||$86||$1,072||$89|
|Forester X Premium AWD||$284||$400||$286||$16||$86||$1,072||$89|
|Forester X Premium AWP AWD||$284||$400||$286||$16||$86||$1,072||$89|
|Forester X Limited Edition AWD||$318||$400||$286||$16||$86||$1,106||$92|
|Forester X Limited Edition W/Navigation AWD||$318||$472||$286||$16||$86||$1,178||$98|
|Forester XT AWD||$318||$472||$286||$16||$86||$1,178||$98|
|Forester XT Limited Edition AWD||$318||$472||$286||$16||$86||$1,178||$98|
|Forester XT Limited Edition W/Navigation AWD||$318||$472||$286||$16||$86||$1,178||$98|
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in specific garaging location which can decrease or increase insurance rates considerably.
Shopping around for reasonably-priced insurance is confusing at best, and determining which companies have the lowest-priced auto insurance rates for a Subaru Forester requires even more rate comparisons. Each insurer has their own guidelines for setting rates, so we’ll go over the auto insurance companies that tend to have lower prices in Virginia Beach.
Keep in mind that Virginia Beach, VA auto insurance rates are influenced by many factors which can substantially change the policy premium. Price variation is why it is critical to compare many different companies when trying to get the lowest auto insurance rates for a Subaru Forester. Insurance prices consist of many different factors and can increase or decrease at any time, so the best price when you bought your policy may now be priced much higher than other options.
Best Car Insurance Prices for Your Subaru
|Rank||Company||Cost Per Year|
|9||Virginia Farm Bureau||$826|
|15||National Grange Mutual||$1,071|
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Travelers normally has some of the lowest car insurance rates in Virginia Beach at around $673 each year. USAA, Penn National, Cincinnati Insurance, and The Hartford would also be considered some of the lowest-priced Virginia Beach, VA insurance companies.
As shown in the table above, if you are a policyholder with Penn National and switched to Travelers, you could earn yearly savings of upwards of $45. Customers with Cincinnati Insurance could save as much as $68 a year, and The Hartford policyholders might reduce rates by $104 a year.
If you want to see how much you could save, click here or visit several of the following companies.
These estimates are averages for all insureds and vehicles and and are not figured with an exact zip code location for a Subaru Forester. So the company that fits your age and vehicle best may not even be in the top 30 companies in the list above. That point stresses why you need to compare rates from multiple companies using your own specific driver and vehicle information.
How to get discounts on Virginia Beach car insurance
Insurance providers that provide policies for a Subaru Forester may have policy discounts that could lower prices by as much as 35% if you can meet the requirements. A list of auto insurance companies and their possible discounts are outlined below.
- State Farm has discounts for driver’s education, Steer Clear safe driver discount, good student, defensive driving training, multiple autos, safe vehicle, and student away at school.
- GEICO discounts include driver training, anti-lock brakes, multi-vehicle, membership and employees, and defensive driver.
- Liberty Mutual may include discounts for hybrid vehicle, multi-car, new graduate, multi-policy, and safety features.
- The Hartford includes discounts for air bag, anti-theft, driver training, defensive driver, bundle, good student, and vehicle fuel type.
- MetLife has savings for defensive driver, accident-free, good student, claim-free, good driver, multi-policy
- Progressive offers discounts for continuous coverage, online quote discount, homeowner, multi-vehicle, and good student.
The illustration below compares insurance costs with and without discounts applied. The rates are based on a male driver, no accidents or driving violations, Virginia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, passive restraint, marriage, defensive driving course, claim-free, and accident-free discounts applied. In this example, theaverage amount saved on auto insurance for a Subaru Forester is 27% or $373.
Low rates today, overpriced tomorrow
Virginia Beach auto insurance rates are calculated based on many things that will increase or decrease the cost of having a policy. Simply having a birthday, moving to a different location, or getting into an accident can trigger changes in premium that can make some companies more affordable than competitors.
In addition to those changes, auto insurance companies modify pricing as often as every quarter as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity may cause higher priced premiums, while lower claims may result in cheaper Forester insurance rates.
To illustrate this example, the data below shows a variety of companies that have the cheapest car insurance in Virginia Beach, VA for a 40-year-old male driver with a clean driving record, no accidents, and a good credit history. If we compare prices based on his personal profile, Travelers may offer the lowest car insurance rates in Virginia Beach at $790 a year. This is $368 less than the average policy premium paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners are the remaining cheapest Virginia Beach, VA auto insurance companies.
Now we will give the driver from the above example an accident claim, less-than-perfect credit, and a blemish on his driving record. Due to the fact that each insurance company uses their own method for establishing rates, analyzing rate quotes most likely will result in a different ranking of companies as shown below.
Virginia Farm Bureau now has the best price in Virginia Beach, VA with Erie, The Hartford, Donegal Mutual, and Nationwide also having competitive pricing. This example illustrates why it is important to compare as many rates as possible to get the most economical auto insurance quotes for a Subaru Forester. Auto insurance prices are influenced by many risk factors and can increase or decrease at any time, so the best company when you last compared rates may now be priced much higher than other options.
Tips for finding budget-friendly auto insurance for a Subaru Forester
The list below details some of the better money-saving ideas that can help Virginia drivers buy lower-cost coverage.
- Choose a safer vehicle and pay lower rates
- Keep your driving record clean
- Avoid preventable accidents
- Bundle home and auto and earn a discount
- Save money by staying claim-free
- Shop around for cheaper prices often
The last tip in the list is particularly necessary, as we hit on in the prior article. Coverage prices can be changed at any time, so don’t be tentative to buy a policy from a new company if a lower price can be found.
Being loyal to a particular company is commendable, but it’s not a great idea if that inflexibility results in costing you money that could be spent on other things. In less than five minutes you could shop around to find cheaper car insurance for a Subaru Forester in Virginia Beach.
The Virginia Beach, VA, insurance agents below are a good start to help you decide which coverage meets your needs best, as some drivers wish to have a little guidance when trying to find lower insurance rates for a Subaru Forester. It can be complicated to find the best coverage yourself, so insurance agents licensed in the state of Virginia can provide you peace of mind knowing your policy gives you sufficient protection if you have a claim. To find an agent nearest to you, click the button following the list or click here to compare price quotes.
- Frank Owens – State Farm Insurance Agent
1776 Laskin Rd #102 – Virginia Beach, VA 23454 – (757) 428-3101
- GEICO Insurance Agent
4389 Virginia Beach Blvd – Virginia Beach, VA 23462 – (757) 583-2200
- Nationwide Insurance: Bob McCrearyh CLU Insurance Agency, Inc.
533 Newtown Rd #112 – Virginia Beach, VA 23462 – (757) 497-1899