Finding cheaper auto insurance for a Subaru Forester in Ohio is usually pretty straightforward, but it relies on a lot of rating factors such as whether you are married, your residence address, and blemishes on your driving record. Ohio drivers pay approximately $617 a year for Forester insurance, but that price is an estimation calculated using a 40-year-old single female driver with full coverage and $1,000 deductibles.
It’s more than likely you’re not a 40-year-old female, maybe you are married instead of single, or you just want cheap liability insurance instead of full coverage. Just a minor difference in rating criteria can result in a big discrepancy in how much insurance for a Subaru Forester costs.
This example demonstrates why the way we recommend to find the cheapest coverage for your Subaru is to compare as many rates as you can. In less than five minutes you can get rates from some of the most affordable companies in Ohio.
Your vehicle’s trim level will have an impact the cost of coverage, so the price you will be charged to insure a Forester X AWD model will be $50 less than the cost to insure the higher-priced Forester XT Limited Edition W/Navigation AWD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$118||$210||$250||$14||$76||$668||$56|
|Forester X Premium AWD||$118||$210||$250||$14||$76||$668||$56|
|Forester X Premium AWP AWD||$118||$210||$250||$14||$76||$668||$56|
|Forester X Limited Edition AWD||$130||$210||$250||$14||$76||$680||$57|
|Forester X Limited Edition W/Navigation AWD||$130||$248||$250||$14||$76||$718||$60|
|Forester XT AWD||$130||$248||$250||$14||$76||$718||$60|
|Forester XT Limited Edition AWD||$130||$248||$250||$14||$76||$718||$60|
|Forester XT Limited Edition W/Navigation AWD||$130||$248||$250||$14||$76||$718||$60|
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in specific zip code location which can affect insurance rates significantly.
Finding decent, cost effective insurance is not most people’s favorite thing to do, and finding out which companies have the cheapest auto insurance rates for a Subaru Forester involves even more perseverance. Each insurance company uses different criteria to set their prices, so first let’s look at the rankings for the auto insurance companies that tend to have lower prices in Ohio.
It’s a good idea to be aware that Ohio auto insurance rates are impacted by many things that can increase the policy premium. This price variation is why it is critical to spend some time comparing rates to find cheap auto insurance quotes for a Subaru Forester. Prices are impacted by many things and can increase or decrease at any time, so the most economical company a year ago may now be quite expensive.
Cheapest Insurance Rates for Your Subaru
Utica National may offer some of the best car insurance rates in Cleveland at around $647 a year. Erie, Frankenmuth, Allied, and USAA also qualify as some of the best Cleveland, OH car insurance companies.
In the above rates, if you currently buy coverage from Frankenmuth and switched to Utica National, you could see an annual premium reduction of upwards of $33. Customers with Allied may save as much as $50 a year, and USAA insureds might reduce prices by as much as $64 a year.
To see if your current coverage is too expensive, click here to get quotes or feel free to get quotes from the companies below.
Be aware that those policy rates are averages across all insureds and vehicles and and are not figured with an exact vehicle garaging location for a Subaru Forester. So the company that is best suited for you may not even be in the top 33 companies shown above. That points out the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.
Price comparison of only insuring for liability
Paying less for auto insurance is important to most drivers, and one way to save on the cost of insurance for a Subaru Forester is to not insure for full coverage. The example below illustrates the comparison of car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no additional discounts are factored in.
As an overall average, physical damage insurance costs $1,487 per year more than just buying liability insurance. Many drivers will wonder if you should buy full coverage. There is no definitive formula of when to exclude physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your vehicle’s replacement value is $10,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $9,500 after paying your policy deductible. If premium cost is more than $950 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some conditions where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
Illustration showing the impact of accidents and violations
The ideal way to get the most affordable auto insurance rates in Ohio for a Forester is to drive safe and avoid tickets and accidents. The diagram below highlights how speeding tickets and fender-benders raise premium costs for different age groups. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of a car insurance policy per year with no violations or accidents is $971. Factor in one speeding ticket and the average cost swells to $1,114, an increase of $143 each year. Now throw in one accident along with the one speeding ticket and the annual cost of auto insurance for a Subaru Forester increases to an average of $1,513. That’s an increase of $542, or $45 per month, just for being a less-than-perfect driver!
How to find low-cost insurance for a Subaru Forester
The list below summarizes some of the recommended thrifty ideas that can help you buy low-cost auto insurance.
- Improve your credit score
- Bundle home and auto and earn a discount
- Raise physical damage deductibles
- Tickets and violations raise rates
- Remain accident-free and save
- Try to not file small claims
- Ensure you have the best deal by shopping around regularly
The last idea is remarkably critical, as we noted in the prior article. Rates can change considerably based on profitability, so you should be ready to switch to a new company if a better rate can be found. Sticking with a specific company is fine, but it’s not a great idea if that dedication is costing a small fortune year after year. It only take a few minutes to shop around to find cheaper insurance for a Subaru Forester in Cleveland.
The agencies below can probably help you determine which coverage fits your budget, since some drivers have questions and prefer to get help from a professional when comparing insurance rates for a Subaru Forester. It can be difficult to find the best coverage yourself, so getting advice from a licensed agent can bring satisfaction knowing your coverage gives you enough coverage if you have a claim.
To find an agent close to you, click the button following the list.
15887 Snow Rd – Brook Park, OH 44142 – (216) 267-4466
Rivera’s Insurance Agency, Inc.
3778 Pearl Rd – Cleveland, OH 44109 – (216) 661-7923
Hubbard Insurance Agency
22255 Center Ridge Rd #202 – Rocky River, OH 44116 – (440) 333-4450