Cheap Insurance for a Subaru Forester in Scottsdale

Insurance for Subaru ForesterLocating better insurance prices for a Subaru Forester in Arizona can normally be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to find car insurance online so you’re going to learn the absolute fastest way to get price quotes for a new or used Subaru and get the lowest possible price either online or from Scottsdale insurance agents.

It is always a good idea to get comparison quotes once or twice a year because insurance prices are adjusted regularly by insurance companies. If you had the lowest quotes on Subaru Forester insurance in Scottsdale six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to find out the only way to properly buy coverages while reducing your premium.

Buying affordable insurance in Scottsdale is really not that difficult. If you have a current insurance policy or are just looking to switch companies, follow these tips to get lower rates and possibly find even better coverage. Vehicle owners just need to understand the most efficient way to compare insurance rates over the internet.

The following companies provide comparison quotes in Scottsdale, AZ. To locate the best car insurance in Scottsdale, we suggest you visit as many as you can to get the best price comparison.

Do you qualify for discounts?

Companies do not list every discount they offer very clearly, so we took the time to find some of the more common and also the lesser-known credits available to you.Discount auto insurance

One thing to note about discounts is that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The information below shows the comparison of Subaru Forester premium costs with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, marriage, homeowner, and safe-driver discounts applied.

If you would like to choose from a list of insurance companies that offer discounts in Scottsdale, click here to view.

Subaru Forester insurance coverage information

The coverage information shown next covers detailed analysis of insurance costs for Subaru Forester models. Understanding how auto insurance policy rates are established can benefit drivers when making decisions when choosing a new policy provider.

Subaru Forester Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $286 $536 $308 $18 $92 $1,240 $103
Forester X Premium AWD $286 $536 $308 $18 $92 $1,240 $103
Forester X Premium AWP AWD $286 $536 $308 $18 $92 $1,240 $103
Forester X Limited Edition AWD $318 $536 $308 $18 $92 $1,272 $106
Forester X Limited Edition W/Navigation AWD $318 $632 $308 $18 $92 $1,368 $114
Forester XT AWD $318 $632 $308 $18 $92 $1,368 $114
Forester XT Limited Edition AWD $318 $632 $308 $18 $92 $1,368 $114
Forester XT Limited Edition W/Navigation AWD $318 $632 $308 $18 $92 $1,368 $114
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in garaging location in Scottsdale which can affect prices noticeably.

Deductible comparison

One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The following insurance rates may help to illustrate the price difference when you select higher and lower comp and collision deductibles. The first data table uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.

Subaru Forester insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $262 $390 $254 $16 $76 $1,023 $85
Forester X Premium AWD $262 $390 $254 $16 $76 $1,023 $85
Forester X Premium AWP AWD $262 $390 $254 $16 $76 $1,023 $85
Forester X Limited Edition AWD $292 $390 $254 $16 $76 $1,053 $88
Forester X Limited Edition W/Navigation AWD $292 $460 $254 $16 $76 $1,123 $94
Forester XT AWD $292 $460 $254 $16 $76 $1,123 $94
Forester XT Limited Edition AWD $292 $460 $254 $16 $76 $1,123 $94
Forester XT Limited Edition W/Navigation AWD $292 $460 $254 $16 $76 $1,123 $94
Get Your Own Custom Quote Go

Subaru Forester insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $212 $314 $254 $16 $76 $872 $73
Forester X Premium AWD $212 $314 $254 $16 $76 $872 $73
Forester X Premium AWP AWD $212 $314 $254 $16 $76 $872 $73
Forester X Limited Edition AWD $236 $314 $254 $16 $76 $896 $75
Forester X Limited Edition W/Navigation AWD $236 $370 $254 $16 $76 $952 $79
Forester XT AWD $236 $370 $254 $16 $76 $952 $79
Forester XT Limited Edition AWD $236 $370 $254 $16 $76 $952 $79
Forester XT Limited Edition W/Navigation AWD $236 $370 $254 $16 $76 $952 $79
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in zip code location which can lower or raise auto insurance rates significantly.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $14 more each month or $168 for a full year averaged for all Forester models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 18 months between claim filings, you would probably be better off going with the higher deductible. Here is an example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $90
Average monthly premium for $500 deductibles (subtract): – $76
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Irresponsible driving raises your rates

The information below highlights how traffic violations and at-fault claims can influence Subaru Forester auto insurance rates for different insured age categories. The premiums assume a married female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

Subaru Forester insurance costs by gender and age

The illustration below shows the difference between Subaru Forester car insurance rates for male and female drivers. The rate quotes are based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.

Cost difference between full coverage and liability

The illustration below visualizes the comparison of Subaru Forester car insurance costs with and without full coverage. The prices are based on no violations or accidents, $500 deductibles, marital status is single, and no other discounts are factored in.

Guidelines for eliminating full coverage

There is no set guideline for excluding physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Subaru Forester settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If it’s costing in excess of $700 a year for full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Compare rate quotes but buy from a local Scottsdale insurance agency

Some consumers just prefer to sit down and talk to an agent and we recommend doing that Experienced insurance agents can make sure you are properly covered and help in the event of a claim. One of the benefits of getting online price quotes is you can get the best rates and still buy from a local agent.

Find insurance agent in ScottsdaleUpon completion of this simple form, your information is submitted to companies in Scottsdale that can give you free Scottsdale auto insurance quotes and help you find cheaper coverage. You never need to even leave your home as quotes are delivered instantly to you. If you need to compare prices from a specific company, you can always visit that company’s website and complete a quote there.

Finding the right provider requires you to look at more than just the premium amount. Any agent in Scottsdale should have no problem answering these questions:

When searching for a reputable agency, it can be helpful to understand the different types of agents and how they work. Auto insurance agents can be classified as either exclusive agents or independent agents. Both can insure your vehicles properly, but we need to point out the difference between them since it can impact your selection of an agent.

Exclusive Auto Insurance Agencies

Exclusive agents can only provide pricing for a single company and examples are Allstate and State Farm. Exclusive agents cannot provide other company’s prices so always compare other rates. Exclusive insurance agents are well schooled in insurance sales and that enables them to sell even at higher rates. Drivers often purchase coverage from exclusives mostly because of loyalty to the company instead of buying on price only.

Shown below is a list of exclusive insurance agencies in Scottsdale who may provide you with price quotes.

View more agents

Independent Insurance Agents

These type of agents are appointed with more than one company so they can insure your vehicles with any number of different companies and get you the best rates possible. If they find a cheaper price, the agent simply finds a different carrier which makes it simple for you.

If you are comparing auto insurance prices, you will want to contact independent agents for maximum quote selection. Most have the option of insuring with additional companies that you may not be familiar with who may have lower rates.

Listed below are independent insurance agents in Scottsdale willing to provide comparison quotes.

View more agents

Lower Your Scottsdale Insurance Premiums

Consumers need to have an understanding of some of the elements that help calculate the level of your policy premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that may reward you with lower rates.

Continuous coverage lowers premiums – Having an insurance coverage lapse will be a fast way to increase your renewal premiums. And not only will your rates increase, failure to provide proof of insurance might get you fines or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Arizona motor vehicle department.

Job stress can affect prices – Do you have a high-stress occupation? Jobs such as military generals, social workers, and stock brokers generally pay higher rates than average because of intense work situations and lots of time spent away from family. On the other hand, jobs like scientists, engineers and retirees receive lower rates.

Remove unneeded extra coverages – There are a ton of extra add-on coverages that may not really be needed on your insurance policy. Insurance for things like rental car coverage, high-cost glass coverage, and term life insurance are probably not needed. You may think they are a good idea when talking to your agent, but now you might not need them so consider taking them off your policy.

Get hitched and get better costs – Being married may cut your premiums on insurance. Having a significant other may mean you are more stable financially and it’s proven that married couples file fewer claims.

Better credit means lower prices – Having a good credit score can be an important factor in determining what you pay for insurance. Insureds that have very high credit ratings tend to file fewer claims and have better driving records than those with bad credit. If your credit is not that good, you could save money insuring your Subaru Forester by improving your rating.

Liability insurance limits on your policy – Liability insurance is the coverage that protects you if you are found liable for damages from an accident. Your policy’s liability insurance provides you with a defense in court starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Physical damage deductibles are a factor – Physical damage insurance, also called ‘full coverage’, insures against damage to your Subaru. Examples of some claims that would be covered are colliding with a building, damage from fire, and rolling your vehicle. The deductibles you choose tell how much you are required to spend before your insurance pays a claim. The more money you’re willing to pay, the lower your rates will be.

Subaru Forester historical loss data – Insurers take into consideration historical loss data for every vehicle to help set a rate to offset losses. Models that the statistics show to have a trend towards higher claim severity or frequency will have higher rates for specific coverages. The table below shows the historical insurance loss data for Subaru Forester vehicles.

For each policy coverage type, the claim amount for all vehicles averaged together is equal to 100. Percentage numbers below 100 are indicative of better than average losses, while values that are above 100 point to more losses or statistically larger claims.

Auto Insurance Loss Data for Subaru Forester Models
Specific Subaru 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

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

Protect your Subaru vehicle and other assets

Despite the potentially high cost of Subaru Forester insurance, insuring your vehicle serves an important purpose.

The benefits of buying insurance greatly outweigh the cost, especially if you ever need it. The average driver in America is currently overpaying as much as $820 a year so compare rates at least once a year to make sure the price is not too high.

Ratings for Scottsdale auto insurance companies

Insuring your vehicle with the highest-rated insurer can be a challenge considering how many companies sell insurance in Scottsdale. The company information in the next section can help you decide which insurers you want to consider when comparing rates.

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Scottsdale Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Affordable auto insurance is out there

Consumers leave their current company for a variety of reasons including being labeled a high risk driver, high prices, poor customer service or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching companies can be pretty painless.

Some auto insurance companies do not provide the ability to get a quote online and most of the time these smaller companies provide coverage only through independent agencies. Lower-priced Subaru Forester insurance in Scottsdale is possible both online and also from your neighborhood Scottsdale agents, so you should be comparing quotes from both to get a complete price analysis.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

How to find cheaper quotes for Subaru Forester insurance in Scottsdale

It takes a little time, but the best way to find low-cost prices for Subaru Forester insurance is to make a habit of comparing prices annually from providers in Scottsdale. You can compare rates by following these guidelines.

  1. It will benefit you to learn about policy coverages and the modifications you can make to prevent rate increases. Many factors that cause high rates such as at-fault accidents, careless driving, and a low credit rating can be amended by making small lifestyle or driving habit changes.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agencies can quote prices for a wide range of companies. Select a company
  3. Compare the new rates to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and buy the policy, make sure there is no lapse in coverage.

One important bit of advice is to compare identical coverage information on every price quote and and to analyze every company you can. This provides an apples-to-apples comparison and a complete selection of prices.

More tips and info about auto insurance can be found by following these links: