Affordable Colorado Springs Subaru Forester Insurance

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Subaru Forester insurance
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How many years has it been since you compared lower-priced insurance rates in Colorado Springs, CO? Colorado Springs consumers have lots of choices when looking for the lowest priced Subaru Forester insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to make rate comparisons.

There are both good and bad ways to buy insurance so you're going to learn the quickest way to compare rates for a new or used Subaru and locate the lowest possible price either online or from Colorado Springs insurance agents.

Insurance rates Subaru Forester in Colorado SpringsIt's a fact that auto insurance companies don't want their customers to go rate shopping. People who get comparison quotes at least once a year are inclined to buy a new policy because there is a significant possibility of finding discount prices. A recent study showed that consumers who routinely shopped for cheaper coverage saved $865 annually compared to policyholders who don't make a habit of comparing rates.

If finding the lowest price on auto insurance in Colorado Springs is your intention, then having some knowledge of the best ways to find and compare coverages can save time and money.

Smart consumers take time to do price comparisons as often as possible since prices tend to go up over time. Despite the fact that you may have had the best deal on Subaru Forester insurance in Colorado Springs a couple years back you can probably find a lower rate today. Don't believe everything you read about Forester insurance out there, but we're going to give you some excellent ideas to save money.

Auto insurance providers offering cheap rates in Colorado

The providers in the list below are ready to provide price comparisons in Colorado Springs, CO. To buy the best car insurance in CO, we suggest you visit several of them in order to get a fair rate comparison.

Analysis of Subaru Forester rates

The premium table shown below outlines estimates of insurance rates for Subaru Forester models. Learning how prices are formulated can be of help when making smart choices when purchasing an auto insurance policy.

Subaru Forester Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $182 $326 $388 $22 $116 $1,034 $86
Forester X Premium AWD $182 $326 $388 $22 $116 $1,034 $86
Forester X Premium AWP AWD $182 $326 $388 $22 $116 $1,034 $86
Forester X Limited Edition AWD $202 $326 $388 $22 $116 $1,054 $88
Forester X Limited Edition W/Navigation AWD $202 $384 $388 $22 $116 $1,112 $93
Forester XT AWD $202 $384 $388 $22 $116 $1,112 $93
Forester XT Limited Edition AWD $202 $384 $388 $22 $116 $1,112 $93
Forester XT Limited Edition W/Navigation AWD $202 $384 $388 $22 $116 $1,112 $93
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can alter premium rates significantly.

Policy deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The premium rates below may help to conceptualize the differences in premium rates when you select higher and lower deductibles. The first set of rates uses a $250 physical damage deductible and the second set of prices uses a $1,000 deductible.

Subaru Forester insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $306 $458 $298 $18 $90 $1,195 $100
Forester X Premium AWD $306 $458 $298 $18 $90 $1,195 $100
Forester X Premium AWP AWD $306 $458 $298 $18 $90 $1,195 $100
Forester X Limited Edition AWD $342 $458 $298 $18 $90 $1,231 $103
Forester X Limited Edition W/Navigation AWD $342 $538 $298 $18 $90 $1,311 $109
Forester XT AWD $342 $538 $298 $18 $90 $1,311 $109
Forester XT Limited Edition AWD $342 $538 $298 $18 $90 $1,311 $109
Forester XT Limited Edition W/Navigation AWD $342 $538 $298 $18 $90 $1,311 $109
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Subaru Forester insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $190 $288 $298 $18 $90 $884 $74
Forester X Premium AWD $190 $288 $298 $18 $90 $884 $74
Forester X Premium AWP AWD $190 $288 $298 $18 $90 $884 $74
Forester X Limited Edition AWD $210 $288 $298 $18 $90 $904 $75
Forester X Limited Edition W/Navigation AWD $210 $340 $298 $18 $90 $956 $80
Forester XT AWD $210 $340 $298 $18 $90 $956 $80
Forester XT Limited Edition AWD $210 $340 $298 $18 $90 $956 $80
Forester XT Limited Edition W/Navigation AWD $210 $340 $298 $18 $90 $956 $80
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in Colorado Springs location which can lower or raise premiums significantly.

Based on the above data, using a $250 deductible will cost you about $28 more each month or $336 annually than choosing the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 27 months between claims, you would probably be better off by selecting a higher deductible.

Cost difference between full coverage and liability

The illustration below shows the comparison of Subaru Forester insurance prices with full physical damage coverage compared to only buying liability only. The rates are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.

When to drop comp and collision

There is no exact formula of when to exclude physical damage coverage, but there is a broad guideline. If the annual cost of having 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 assume your Subaru Forester settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after paying your deductible. If you are currently paying more than $400 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some conditions where removing full coverage is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Subaru Forester insurance discounts in Colorado Springs

Insurance can cost an arm and a leg, but you might be missing out on some discounts to reduce the price significantly. Some of these discounts will be visible when you purchase, but once in a while a discount must be asked for before being credited.Insurance discounts

  • Save with More Vehicles Insured - Having all your vehicles on one policy can reduce rates for all insured vehicles.
  • Save with a New Car - Insuring a vehicle that is new can save you some money since new vehicles are generally safer.
  • Defensive Driving Course - Taking time to complete a safe driver course can save you 5% or more if you qualify.
  • Accident Forgiveness - This one is not really a discount per se, but companies like Allstate, State Farm and GEICO will allow you to have one accident before they charge you more for coverage as long as you don't have any claims prior to the accident.
  • Payment Method - By making one initial payment as opposed to paying monthly you could save 5% or more.
  • Passive Restraint Discount - Options like air bags or automatic seat belts could see savings as much as 30%.

While discounts sound great, it's important to understand that most discount credits are not given to the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn't stay in business.

The illustration below shows the difference between Subaru Forester insurance premiums with and without discounts applied to the premium. The premium estimates are based on a male driver, no violations or accidents, Colorado state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, safe-driver, multi-car, and multi-policy discounts applied.

A few popular companies and their possible discounts are:

  • American Family may include discounts for good student, mySafetyValet, defensive driver, air bags, and bundled insurance.
  • Farm Bureau offers discounts including 55 and retired, multi-policy, multi-vehicle, youthful driver, and driver training.
  • State Farm policyholders can earn discounts including safe vehicle, accident-free, student away at school, Steer Clear safe driver discount, passive restraint, and driver's education.
  • Travelers has discounts for IntelliDrive, home ownership, hybrid/electric vehicle, multi-policy, multi-car, and save driver.
  • The Hartford offers premium reductions for vehicle fuel type, defensive driver, driver training, anti-theft, and bundle.
  • GEICO offers discounts for multi-vehicle, anti-theft, military active duty, five-year accident-free, federal employee, seat belt use, and membership and employees.
  • Progressive may have discounts that include online quote discount, continuous coverage, homeowner, good student, online signing, multi-vehicle, and multi-policy.

If you need lower rates, check with each company or agent which discounts you may be entitled to. Some discounts listed above may not apply to policies in your state.

Five Things That Impact Your Insurance Prices

An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating the price you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower premium levels.

  • Prices impacted by vehicle usage - The higher the miles on your Subaru every year the more you'll pay to insure it. Many insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks not used for work or commuting can be on a lower rate level than those that get driven frequently. Make sure your auto insurance policy properly reflects the right rating data, because improper ratings can cost you money. Improper usage on your Forester is just wasting money.
  • Cheaper auto insurance rates with safer cars - Cars with five star safety ratings tend to have better insurance rates. Safe vehicles result in less severe injuries and fewer injuries translates directly to fewer claims and lower rates for you.
  • Women tend to be lower risk - Over time, data shows women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. Women and men are responsible for at-fault accidents in similar percentages, but guys cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like driving under the influence (DUI).

    The information below illustrates the comparison of Subaru Forester auto insurance rates for male and female drivers. The data is based on no violations or claims, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.

  • Higher auto insurance rates for auto insurance lapses - Driving without insurance can get your license suspended and you may have a hard time finding new coverage because you let your coverage have a gap. Not only will you pay more, getting caught without coverage could earn you a steep fine or even jail time.
  • Certain employers pay higher prices - Do you have a high-stress occupation? Occupations such as doctors, air traffic controllers, and accountants generally pay higher premiums than the average policyholder because of stressful work requirements and lots of time spent away from family. Conversely, professions such as scientists, engineers and performers pay lower than average rates.
  • Insurance loss data for a Subaru Forester - Insurers analyze claim trends for every vehicle to help calculate a profitable premium rate. Models that historically have higher number or severity of losses will have a higher premium rate.

    The next table shows the historical insurance loss data for Subaru Forester vehicles. For each insurance policy coverage type, the claim amount for all vehicles averaged together is equal to 100. Numbers under 100 suggest a positive loss record, while numbers above 100 show a trend for more claims or larger claims.

    Insurance Loss Ratings for Subaru Forester Vehicles
    Vehicle Make and 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
    BETTER
    AVERAGE
    WORSE

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

Which is the best car insurance?

When quoting and choosing the right insurance coverage for your personal vehicles, there isn't really a one-size-fits-all type of policy. Your situation is unique and your car insurance should unique, too.Higher deductibles save money Here are some questions about coverages that can aid in determining if your insurance needs might need an agent's assistance.

  • I have health insurance so do I need medical payments coverage?
  • How high should deductibles be on a Subaru Forester?
  • How much liability coverage do I need in Colorado?
  • What does medical payments cover?
  • Am I covered if hit by an uninsured driver?
  • Am I covered when delivering products for my home-based business?
  • What discounts do I qualify for?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance agents can give valuable advice

A small number of people prefer to buy from a licensed agent and that is recommended in a lot of cases Most agents are very good at helping people manage risk and will help you if you have claims. One of the great benefits of comparing auto insurance online is the fact that you can find cheap auto insurance quotes and still have an agent to talk to. And providing support for neighborhood agents is important particularly in Colorado Springs.

Colorado Springs insurance agentsTo make it easy to find an agent, after completing this simple form, your coverage information is transmitted to agents in your area who can give free rate quotes and help you find cheaper coverage. You won't need to contact any insurance agencies due to the fact that quote results will go straight to your inbox. In the event you want to compare prices from a specific auto insurance provider, feel free to jump over to their website and submit a quote form there.

If you want to buy auto insurance from a reliable agent, there are a couple of types of insurance agents to choose from. Agencies in Colorado Springs can be described as either exclusive agents or independent agents. Both provide auto insurance policies, but it is a good idea to know the differences because it may have an impact on which type of agent you select.

Independent Agents

Independent insurance agents are not locked into one company and that allows them to write policies with an assortment of companies and get the cheapest rates. To transfer your coverage to a different company, the business is moved internally which is easy for the insured.

When comparing auto insurance prices, you need to compare quotes from a couple of independent agencies to maximize your price options. Most can insure with companies you've never heard of which can save you money.

Featured below is a partial list of independent insurance agents in Colorado Springs that may be able to provide competitive price quotes.

More insurance agents

Exclusive Auto Insurance Agencies

These type of agents can only provide one company's prices and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to provide rate quotes from other companies so it's a take it or leave it situation. Exclusive agents receive a lot of sales training on what they offer which helps them sell on service rather than price. A lot of people use the same exclusive agent partially due to the brand and strong financial ratings.

The following is a list of exclusive agents in Colorado Springs willing to provide price quote information.

More insurance agents

Picking an auto insurance agent is decision based upon more than just the bottom line cost. Any agent in Colorado Springs should be willing to answer these questions.

  • In the event of vehicle damage, can you pick the collision repair facility?
  • Do you work with a CSR or direct with the agent?
  • Do the coverages you're quoting properly cover your vehicle?
  • Does the agency have a positive business rating?
  • What insurance companies do they work with in Colorado Springs?
  • Is the agency active in community causes in Colorado Springs?

More effort can pay off

As you restructure your insurance plan, it's a bad idea to buy poor coverage just to save money. There are many occasions where someone dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

More affordable car insurance in Colorado Springs can be sourced from both online companies in addition to many Colorado Springs insurance agents, so you need to shop Colorado Springs auto insurance with both to get a complete price analysis. A few companies may not provide online price quotes and usually these smaller providers work with independent agents.

How to find low-cost Subaru Forester insurance in Colorado Springs

The best way to quote cheaper Subaru Forester insurance is to begin comparing prices regularly from insurers who can sell car insurance in Colorado Springs.

  1. Gain an understanding of auto insurance and the things you can change to keep rates in check. Many rating factors that cause rate increases like traffic citations, accidents, and poor credit history can be eliminated by making minor changes in your lifestyle.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive or State Farm, while agents who are independent can give you price quotes from multiple companies.
  3. Compare the quotes to your existing policy and determine if there is any savings. If you can save money, verify that coverage does not lapse between policies.
  4. Provide adequate notice to your current company of your intention to cancel the current policy. Submit a completed application and payment to your new agent or company. As soon as you can, keep the new certificate verifying proof of insurance in your vehicle.

An important note is to try to compare similar deductibles and liability limits on each quote request and and to analyze every insurance company. This provides a level playing field and a complete selection of prices.

More detailed car insurance information is available by following these links: