Best Cheap Insurance for a Subaru Forester in Pennsylvania

Anytime the topic is auto insurance, the words “cheap” or “affordable” should never appear anywhere in the article. It’s a simple fact that cheap auto insurance for a Subaru Forester can be hard, if not impossible, to find. Don’t let that bother you, though, because we can show you some ways you can still find coverage that is cheaper than what you are paying now.

The chances of buying affordable car insurance for a Subaru Forester in Pennsylvania hinges on an enormous amount of factors like how far you commute, the size of your vehicle, and citations on your driving record. Pennsylvania drivers pay around $680 a year to buy insurance for a Subaru Forester, but that is a projection based upon a 50-year-old married male driver that purchased full coverage including both comprehensive and collision and $1,000 deductibles.

It’s highly likely you are not a 50-year-old male, possibly single instead of married, or maybe your driving record isn’t squeaky clean. There is no one cookie-cutter policy that works for everyone, so the best method for finding cheap insurance rates for your Subaru is to get into the habit of shopping around regularly. In just a few minutes you will receive rate quotes from the cheapest companies that offer coverage in Pennsylvania.

Find Cheaper Subaru Forester Insurance

The trim level of your Forester impacts the yearly cost, so the price you pay to insure a Forester X AWD trim level will be $56 less than the cost to insure the more costly Forester XT Limited Edition W/Navigation AWD version, as shown in the chart below.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in specific zip code location which can modify premium rates noticeably.

Selecting the highest-rated insurance provider can be a challenge considering how many choices there are in Pennsylvania. The information below may help you choose which companies to look at when trying find the best insurance for a Subaru Forester. The ratings below are for companies that insure vehicles across America, so companies that may only write in Pennsylvania will not be included in this list.

Full coverage versus liability-only in Pennsylvania

Finding the best cheap insurance for a Subaru Forester in Pennsylvania is the goal of the majority of people, and one of the best ways to buy cheap insurance is to only pay for liability coverage. The example below illustrates the comparison of insurance rates with and without full coverage. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

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As an average for all age groups, comp and collision coverage costs $1,524 per year over and above liability coverage. Many drivers will wonder if it’s worth it to buy full coverage. There is no exact rule for excluding comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s say your vehicle’s book value is $10,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $9,500 after paying your deductible. If premium cost is more than $950 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are a few situations where removing full coverage is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

The information below illustrates how your deductible choice can affect yearly insurance costs when searching for cheap insurance for a Subaru Forester. The prices are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

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The data above shows that a 40-year-old driver could reduce rates by $330 a year by increasing from a $100 deductible up to a $500 deductible, or save $500 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could potentially save up to $1,096 annually by using higher deductibles when buying full coverage. When using a larger deductible, it’s a good idea to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.