How Much are Insurance Quotes for a Subaru Forester in Washington?

Your odds of finding cheaper insurance for a Subaru Forester in Washington relies on a complicated rating formula that uses factors such as the safety rating for your Forester, what you do for a living, and deductibles for comprehensive and collision coverage. Drivers pay on average $920 a year for Forester insurance, but that is a valuation based on rate data for a 40-year-old single female driver that included full physical damage coverage and $500 physical damage deductibles.

Chances are that rate is not what you would pay, because most likely you are not 40 and maybe not even a female, maybe you are married instead of single, or maybe you have a speeding ticket or two that will increase rates. Have just a small change in rating variables can result in big changes in how much coverage for a Subaru Forester costs.

Insurance prices are based on the driver profile the only way to find cheap insurance rates for your Subaru is to just compare rates yourself.

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The trim level of your vehicle impacts the insurance rate, so the price you pay to insure a Forester X AWD trim level will be $86 lower than the insurance cost for the fancier Forester XT Limited Edition W/Navigation AWD model, as shown below.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in vehicle location which can lower or raise coverage prices substantially.

Selecting the best insurance company can be a challenge considering how many companies sell coverage in Washington. The company rank data shown below can help you decide which companies you want to consider when shopping insurance around for a Subaru Forester.

These ratings are only made up of large insurance companies, so companies that focus mainly on Washington business will not be included in the list. If you wish to compare rates and find cheaper insurance for a Subaru Forester, click this link.

Top 10 Major Auto Insurance Providers in Washington Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. The General

Top 10 Major Auto Insurance Providers Overall in Washington

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Allstate

Top Companies for Subaru Forester Insurance in Washington

The chart below shows how different deductible levels can impact insurance premiums when getting quotes for cheap insurance for a Subaru Forester. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

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As shown above, a 30-year-old driver could save $288 a year by changing from a $100 deductible up to a $500 deductible, or save $438 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could save as much as $620 every year just by using higher deductibles. If you do raise deductibles, it will be necessary to have enough spare savings to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Difference between full coverage and liability only rates

Finding cheap insurance for a Subaru Forester in Washington is important to most vehicle owners, and one of the best ways to buy cheaper insurance is to buy only liability coverage. The diagram below shows the comparison of annual premium costs with full coverage compared to only the Washington minimum liability coverage. The data is based on no violations or accidents, $1,000 deductibles, marital status is single, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2315,897],[‘Age 30’, 1227,495],[‘Age 40’, 1199,459],[‘Age 50’, 1095,431],[‘Age 60’, 1061,423],[‘Age 70’, 1303,563]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Forester in Washington’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If the expense is averaged for all age categories, full coverage costs $1,367 per year more than carrying just liability coverage. Many drivers will wonder if paying for full coverage is worth it. There is no definitive guideline to stop paying for physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

There are some conditions where only buying liability is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

How to find cheap insurance for a Subaru Forester in Washington

It’s not impossible to find cheaper rates, and here are some penny-pinching ideas that can help Washington drivers buy cheaper coverage.

• Save money by obeying traffic laws and keeping a clean driving record
• Pay for smaller claims out-of-pocket
• Buy a safer vehicle
• Avoid having at-fault accidents
• Assess whether full coverage is needed
• Buying home and auto together can help save money
• Look for cheaper rates once a year by shopping around

The last suggestion is notably significant, as was noted in the article above. Car insurance rates can be adjusted at any time, so don’t be unwilling to buy from a new company if a more affordable rate is found. Having a favorite company is great, but is isn’t recommended if your bullheadedness ends up costing you a lot of money. Now is a great time to compare prices and find cheaper auto insurance for a Subaru Forester.

Is the best company Allstate, Geico, State Farm, or Progressive?

When it comes to auto insurance, four of the best places to start are Allstate, Geico, State Farm, and Progressive. The next table ranks some of the ratings and options you can buy with each company.