How Much Does Insurance Cost for a Subaru Forester in Oregon?

Whenever people write about auto insurance, the words “affordable” or “cheap” really should not be used as a descriptor for car insurance rates. Despite the oxymoron, cheap car insurance for a Subaru Forester can be difficult to find. But don’t let us ruin your dream, because we are going to show you how you can still get coverage that you can fit into your budget.

The chances that you’ll find the cheapest coverage for a Subaru Forester in Oregon depends upon a complicated rating formula that uses factors such as your age, if you have ever had a gap in coverage, and any prior driving offenses you have. Oregon drivers pay approximately $1,070 per year to buy Subaru Forester insurance, but that price is assuming a 40-year-old married female that wants full coverage and $100 deductibles.

There is a really good chance that you are not 40 and possibly not even female, single instead of married, or maybe you want more liability coverage than is required by law in Oregon. Everyone has unique insurance needs, and this illustrates why your best shot at finding cheap car insurance rates for your Subaru is to take your time and compare rates from as many companies as possible.

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Your vehicle’s trim level will influence the yearly cost, so the price you will pay to insure a Forester X AWD will be $120 lower than the insurance cost for the higher-end Forester XT Limited Edition W/Navigation AWD trim level, as shown by the rates below.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in garaging location in Oregon which can revise price quotes greatly.

Figuring out which company offers the lowest-priced car insurance rates for a Subaru Forester may require a bit more effort in order to find the most economical policy. Each company has a proprietary formula to determine rates, so we will examine the car insurance companies that tend to be cheaper in Oregon.

It’s important to understand that Oregon car insurance rates are based on many factors which can substantially change the cost of a policy. Simply having another birthday, becoming a homeowner, or getting a few speeding tickets may prompt premium changes that can now make some companies more affordable than competitors.

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Grange has some of the most affordable car insurance rates in Oregon at around $708 annually. Oregon Mutual, Country, Travelers, and USAA would also make the list of some of the more affordable Oregon insurance companies.

As depicted above, if you buy coverage from Travelers and switched to Oregon Mutual, you could earn an annual savings of in the vicinity of $98. Oregon drivers with USAA could save as much as $106 a year, and State Farm customers might cut rates by $196 a year.

To see how much you can save, click here to begin a quote or visit any of the low-priced companies below.

These estimates are averaged for all types of insureds and vehicles and do not factor in a specific rate factor for a Subaru Forester. So the insurer that is most affordable for your situation may not even be included in the list of companies above. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

The example below highlights how deductible selection can raise or lower insurance costs when trying to find cheap insurance for a Subaru Forester. The price estimates are based on a married female driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2303,2097,1859,1631],[‘Age 30’, 1629,1479,1301,1133],[‘Age 40’, 1599,1453,1283,1123],[‘Age 50’, 1403,1277,1131,991],[‘Age 60’, 1339,1217,1079,943],[‘Age 70’, 1423,1293,1151,1015]]);var options = {title: ‘Impact of Higher Deductibles on Subaru Forester Insurance Rates in Oregon’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Forester’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 30-year-old driver could pocket $316 a year by increasing from a $100 deductible to a $500 deductible, or save $476 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could roll back prices as much as $672 every year by choosing larger deductibles on their policy. When using a larger deductible, it is essential to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Careless driving habits raise car insurance rates

One of the best ways to find cheap insurance for a Subaru Forester in Oregon is to drive safe and avoid tickets and accidents. The illustration below illustrates how traffic citations and at-fault fender-benders drive up insurance prices for each age group. The information is based on a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2899,3117,4951],[‘Age 30’, 1551,1765,3601],[‘Age 40’, 1517,1731,3569],[‘Age 50’, 1381,1595,3429],[‘Age 60’, 1333,1547,3381],[‘Age 70’, 1609,1825,3661]]);var options = {title: ‘Effect of Tickets and Claims on Oregon Subaru Forester Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Forester in Oregon’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of car insurance per year with no accidents and a clean driving record is $1,715. Add in one speeding ticket and the average cost swells to $1,930, an increase of $215 each year. Now add two accidents along with the one speeding ticket and the yearly cost of car insurance for a Subaru Forester increases to an average of $3,765. That’s an increase of $2,050, or $171 per month, just for not keeping your driving record clean!

How to find cheap insurance for a Subaru Forester in Oregon

The list below details a few penny-pinching ideas that can help drivers get cheaper coverage.

• Being accident-free can lower rates significantly
• Get cheaper liability coverage by choosing a safer vehicle
• Increase your comprehensive and collision deductibles
• Higher credit scores may earn you cheaper rates
• Ensure your driving record is clean
• Shop around and save

That last piece of advice is notably necessary, as we pointed out in this piece. Prices adjust frequently, so drivers shouldn’t be reluctant to buy from a different company if a more affordable price is available.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that inflexibility results in costing you a small fortune. If you have a few minutes, compare rates and find cheaper car insurance for a Subaru Forester.

State Farm vs Geico vs Allstate vs Progressive

If you’re looking for the best car insurance, the four most popular companies are State Farm, Geico, Allstate, and Progressive. When combined, they have about half of the entire U.S. market share. They all have your normal coverages like liability, comprehensive, and collision, but each one offers different options that may affect your buying decision. The following table compares and contrasts ratings for price and service, as well as some optional coverages that are available from each company.

Who has the cheapest Subaru Forester insurance quotes?

You have a lot of ways to purchase car insurance in Oregon, but the most preferred are through a captive (or exclusive) agency like Allstate or State Farm, a non-exclusive or independent agent, or from a direct company like Progressive. They all follow the same basic process, but car insurance buyers need to understand the differences in how they give price quotes.

Independent agents have contracts with multiple insurance companies and can quote your policy with each one. Agents of this type are usually affiliated with several companies and can get prices from more than one company, which may give you the best idea of how your rates compare. If they find a lower price, your agent can switch companies and you won’t have to switch agencies.

An exclusive ageny is only able to quote rates from just one company, a couple examples are State Farm and Allstate agents. These agents are not able to provide rates from more than one company, so they have to upsell other benefits.

Buying car insurance direct means you do not use a local agent and instead shop buying direct from a company like Esurance or Progressive. Shopping direct may be good for families who do not need advice for asset protection and understand the limitations of car insurance.

Which way works best for finding cheap insurance for a Subaru Forester in Oregon? Most people assume that buying from a direct company results in the cheapest price because there are no middleman commissions, but that is generally not the case. We could also say that buying from an independent agent saves the most money since they can quote with many companies, but that is not necessarily true either. In a lot of cases, exclusive agents may have very competitive prices that cannot be met by either independent or direct companies.

Due to the fact that car insurance rates vary so much, the one way to ensure the lowest rates is to get quotes and compare. Put in the effort to get quotes from all three to have a good selection of rates to choose from. For a list of companies with some of the cheapest Oregon car insurance rates, click here to view.