Buying affordable car insurance for a Subaru Forester in Arizona is normally pretty easy, but it relies on a lot of rating criteria such as whether you use your Forester for business use, your occupation, and if you have a history of accidents. Drivers in Arizona will pay around $1,051 per year for Forester insurance, but that cost is an approximation based upon a 50-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
But there is a good chance that you are not 50 years old and maybe not even male, maybe you are married instead of single, and maybe your Forester just needs liability-only coverage. Each driver’s needs are different, and that demonstrates why the way we recommend to find affordable rates for your Subaru is to put in the effort to do a thorough rate comparison.
The trim level of your vehicle impacts the insurance rate, so the price you will be charged to insure a Forester X AWD trim level will be $114 less expensive the cost to insure the more well-appointed Forester XT Limited Edition W/Navigation AWD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$250||$480||$288||$18||$86||$1,122||$94|
|Forester X Premium AWD||$250||$480||$288||$18||$86||$1,122||$94|
|Forester X Premium AWP AWD||$250||$480||$288||$18||$86||$1,122||$94|
|Forester X Limited Edition AWD||$278||$480||$288||$18||$86||$1,150||$96|
|Forester X Limited Edition W/Navigation AWD||$278||$566||$288||$18||$86||$1,236||$103|
|Forester XT AWD||$278||$566||$288||$18||$86||$1,236||$103|
|Forester XT Limited Edition AWD||$278||$566||$288||$18||$86||$1,236||$103|
|Forester XT Limited Edition W/Navigation AWD||$278||$566||$288||$18||$86||$1,236||$103|
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in your specific Scottsdale location which can revise price quotes substantially.
What is the best car insurance company in Arizona?
Ending up with the best insurance company can be a challenge considering how many different companies insure vehicles in Scottsdale. The ranking data listed below could help you select which coverage providers to look at when shopping car insurance rates for a Subaru Forester.
The rankings below only include large insurance companies, so smaller companies that only insure vehicles in Arizona are not taken into consideration for the list. If you’d like to compare prices from the insurers below and more, click this link.
Top 10 Major Auto Insurance Companies in Scottsdale Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Major Auto Insurance Companies in Scottsdale Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Tickets and at-fault accidents raise rates
The recommended way to snag good car insurance prices in Scottsdale for a Forester is to be a good driver and avoid accidents and traffic violations. The chart below illustrates how violations and at-fault accidents increase insurance prices for each different age group. The premiums assume a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of a car insurance policy in Scottsdale per year with a clean driving record and no accidents is $1,689. Get one speeding ticket and the average cost hikes up to $1,912, an increase of $223 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Subaru Forester increases to an average of $3,752. That’s an increase of $2,063, or $172 per month, just for being a less-than-perfect driver!
The example below illustrates how your choice of deductibles can change insurance premiums when quoting cheap insurance for a Subaru Forester. Data assumes a single female driver, full coverage, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could lower rates by $294 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $446 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old, can save up to $744 or more by using a higher deductible.
When increasing deductibles, it is essential to have enough in a savings account to be able to pay the extra out-of-pocket expense that comes with higher deductibles.
What aren’t you shopping around?
Arizona car insurance rates are impacted by many things that control the cost of a policy. Simply turning a year older, buying a new vehicle, or getting a couple of tickets can trigger changes in premium that may make certain companies affordable when they were higher priced.
Not only that, but insurers change their prices as often as every quarter in order to offset underwriting gains or losses. An extended period of higher than normal claims can cause additional price hikes, while a profitable period may result in cheaper Forester insurance rates.
The data below shows the cheapest car insurance in Scottsdale, AZ for a 30-year-old male driver with no accidents, a clean driving record, and good financial standing. If we estimate prices based on his personal risk profile, The Hartford may have the lowest car insurance rates in Scottsdale at $1,108 annually. This is $320 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also on the list of the top five cheapest Scottsdale, AZ auto insurance companies.
The example below compares rates after we give the driver from above an accident claim, a lower credit rating, and an imperfect driving record. Due to the fact that every insurance company uses a different method to set policy rates, analyzing rates could now result in a different ranking of cheap Scottsdale auto insurance companies as shown below.
GEICO now has the best auto insurance rate in Scottsdale with Allied, Ameriprise Group, Auto-Owners, and CSAA completing the list. This illustrates why drivers need to perform a complete rate comparison to find the most economical insurance quotes for a Subaru Forester. Prices are made up of many different factors and change frequently, so the best company three years ago may now cost much more than other companies.
How to find more affordable car insurance for a Subaru Forester
Here are a few money-saving ideas that can help drivers find cheap coverage.
- Lower rates by purchasing a safer vehicle
- Raise deductibles
- Save money by obeying traffic laws and keeping a clean driving record
- Having at-fault accidents will increase rates
- Better credit scores save money
- Comparison shop at least every other year
The final tip is remarkably critical, as was noted in the prior article. Coverage rates fluctuate constantly, so drivers shouldn’t be resistant to change insurance companies if you find a better deal.
Many drivers tend to have loyalty to a certain company, but it’s not recommended if that loyalty results in overpaying a small fortune. Spend a few minutes and shop around to find cheaper car insurance for a Subaru Forester in Scottsdale.
If you aren’t sure which coverage to buy and prefer to get some professional input when shopping for cheaper insurance for a Subaru Forester, the professional agents shown below are willing to answer your questions and help you decide which coverages and limits you need.
To find an agent nearest to you, click the link after the list.
- Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252
- Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700
- Farmers Insurance – Marc Sollee
6320 E Thomas Rd #303 – Scottsdale, AZ 85251 – (480) 900-8010