Cheapest Insurance Quotes for a Subaru Forester in Tennessee

When we talk about car insurance, the words “cheap” or “affordable” really should not be used anywhere in the article. Sad but true, cheap auto insurance for a Subaru Forester is not easy to find. We’ll try to make it up to you, because we can show you some ways you can still find auto insurance that you can afford.

The chances of finding cheaper coverage for a Subaru Forester in Tennessee depends upon an enormous amount of factors like the number of years you have been driving, where you live, and deductibles for comprehensive and collision coverage. Drivers will pay around $770 annually to buy insurance for a Subaru Forester, but that figure is that rates a 40-year-old married female who purchased full comprehensive and collision coverage and $500 physical damage deductibles.

It’s more than likely that you are not 40 and maybe not even a female, you might be single instead of married, and there is a good chance that other rated drivers impact the rate. Just a slight difference in rating factors can cause large differences in the amount insurance costs for a Subaru Forester.

The different assumptions illustrate why the most reliable method for finding cheap insurance rates for your Subaru is to start the habit of comparing rates at least once a year. Quotes are free and you will receive prices from some of the best insurers around.

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The trim level of your vehicle will be a contributing factor to the yearly cost, so the price you pay to insure a Forester X AWD model will be $72 less expensive the price to insure the more well-appointed Forester XT Limited Edition W/Navigation AWD version, as demonstrated by the prices below.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific zip code location which can revise prices greatly.

Deciding which company offers the most affordable insurance rates for a Subaru Forester may require more time in order to find the best price.

Every insurance company has a proprietary formula to set their prices, so let’s look at the rankings for the insurance companies with the most affordable rates in Tennessee. We do need to point out that Tennessee insurance rates are influenced by many factors which can substantially change the price you have to pay. Simply having another birthday, having a teen driver, or getting a driving violation may generate price changes that may make certain companies cheaper than others.

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Utica National has some of the best car insurance rates in Tennessee at around $760 a year. Auto-Owners, Cincinnati Insurance, Penn National, and USAA are also some of the more affordable Tennessee insurance companies.

In this example, if you are a policyholder with Auto-Owners and switched to Utica National, you could earn a yearly savings of roughly $67. Customers with Cincinnati Insurance may save as much as $90 a year, and Penn National customers might lower prices by $148 a year.

To get a fast rate comparison, click here to get a free quote or click through to the companies below.

It’s important to note that these prices are averages for all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Subaru Forester. So the insurer that fits your situation best may not even be in the rate chart shown above. That points out the importance of why you need to compare rates from multiple companies using your own personal information and vehicle type.

The illustration below shows how choosing a deductible can change annual premium costs when trying to find cheap insurance for a Subaru Forester. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are factored in.

A 50-year-old driver could lower rates by $290 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $438 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old category, could possibly save up to $962 annually just by choosing higher deductibles.

If you make the decision to raise deductibles, it will be important to have spare funds to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Insurance rate increases from tickets or accidents

The recommended way to find the cheapest insurance for a Subaru Forester in Tennessee is to drive safe and avoid getting tickets or having accidents. The chart below demonstrates how speeding tickets and at-fault claims can impact auto insurance costs for different age groups. The data assumes a married male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

In the example above, the average cost of an auto insurance policy in Tennessee per year with no violations or accidents is $1,617. Add in one speeding ticket and the average cost increases to $1,852, an increase of $235 each year. Now throw in one accident along with the one speeding ticket and the annual cost of insurance for a Subaru Forester goes up to an average of $2,516. That’s an increase of $899, or $75 per month, just for a couple of infractions!

How to find more affordable auto insurance for a Subaru Forester

The list below shows a few thrifty suggestions that can help drivers locate more affordable auto insurance.

• Too many claims can make car insurance unaffordable
• Save money by insuring your home and auto with the same company
• Buy safe vehicles
• Be a safe driver
• At-fault accidents can raise rates significantly
• Shop around for cheaper prices often

That last piece of advice is extraordinarily necessary, as was noted in the prior article. Insurance rates can change considerably based on profitability, so don’t be afraid to switch carriers if you can find a cheaper rate. Having brand loyalty is commendable, but it’s not a great idea if that faithfulness ends up costing you a fortune every year. It only takes a couple minutes to shop around to find cheaper auto insurance for a Subaru Forester.

Who has the cheapest Subaru Forester insurance quotes?

Consumers have many ways to find affordable insurance in Tennessee, but the most popular are either through an independent agent, a captive (or exclusive) agent like Allstate or Auto-Owners, or from a direct company like Geico or Progressive. Each way has the same basic process, but it’s good to know the differences in how they work.

Independent agents have contracts with multiple insurance companies and can get policy pricing from every one. These types of agencies are not required to write business for one company and can give you more rate choices, which can give you a better chance of finding cheaper coverage. If cheaper coverage is found, your agent can just switch to a different company and you don’t have to find a new agent.

An agent who is captive is only able to write business for a single insurance company, two examples are Allstate or State Farm agents. Exclusive agents cannot give you multiple price quotes, so if the price isn’t competitive there isn’t much they can do.

Consumers who buy insurance direct forego an agent and buy direct either online or via phone. Buying insurance direct may be a decent choice people who do not have a lot of assets and have an above average understanding of what limits they need.

So what is the best way to find the cheapest insurance for a Subaru Forester in Tennessee? Most people would assume that buying from a direct company yields the cheapest rates because there is no agent involved, but unfortunately, that is not always true. It would also be easy to say using an independent agent can save the most money since there are more companies to choose from, but that’s not always true, either. For some people, the exclusive agents have very competitive rates that are the cheapest in Tennessee.

Since insurance prices are based on many different factors, really the only way to buy the cheapest policy is to compare, compare, and compare some more. Smart shoppers will get quotes from all three types in order to be able to find the lowest price. We compiled a list of companies with some of the cheapest online rates that you can click here to view.