Cheap Insurance Quotes for a Subaru Forester in Ohio

Our editors always tell us that when writing about auto insurance, the word “cheap” should never be used anywhere in the article as a descriptor for auto insurance rates. Be that as it may, cheap car insurance for a Subaru Forester is pretty hard to find. We’ll try to make it up to you, because we will show you how you can get auto insurance that most people can afford.

Whether or not you can find the best cheap coverage for a Subaru Forester in Ohio depends upon many rating factors such as how long your commute is, if you are currently insured, and violations on your driving record. Drivers pay an average rate of $810 a year to buy insurance for a Subaru Forester, but that amount is based on a 30-year-old single male driver who requires both comprehensive and collision coverage and $250 policy deductibles.

There is a really good chance that you are not 30 and maybe not even a male, possibly married instead of single, and you may just want the cheapest liability coverage you can find. What appears to be a small change in the rating criteria used to formulate rates can precipitate large changes in the price of coverage.

Car insurance coverage is unique to each driver, so this is why the only real way to find the cheapest coverage for your Subaru is to shop your policy around at every renewal.

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Your vehicle’s trim level can impact the yearly cost, so the rate you pay to insure a Forester X AWD model will be $78 lower than the insurance cost for the high end Forester XT Limited Edition W/Navigation AWD model, as shown in the table below.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in zip code location which can change prices considerably.

Shopping around for cheap auto insurance is not easy, and figuring out which company offers the most affordable car insurance rates for a Subaru Forester involves even more diligence. Each insurer uses slightly different criteria to set policy rates, so we’ll go over the car insurance companies with the overall cheapest rates in Ohio.

It’s a good idea to be aware that Ohio car insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. Improving your credit rating, buying a different vehicle, or getting a few speeding tickets may cause policy rate changes that can now make some companies cheaper than others.

Cheapest Insurance Rates for Your Subaru

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Utica National may have some of the most affordable car insurance rates in Ohio at around $628 a year. Erie, Allied, Frankenmuth, and Travelers also make the cut as some of the lowest-priced Ohio insurance companies.

In the above example, if you are currently insured with Allied and switched to Utica National, you might see a yearly savings of in the neighborhood of $48. Policyholders with Frankenmuth may save as much as $59 a year, and Travelers policyholders might cut rates by $98 a year.

To find out how your current rates compare, click here or click several companies below for low rates.

Be aware that those premium estimates are averages across all drivers and vehicles in Ohio and and are not figured with a specific rating modification for a Subaru Forester. So the car insurance company that has the cheapest price for you may not even be in the company chart above. That points out the importance of why you need to get quotes using your own specific driver information and vehicle.

Full coverage rates compared to liability-only

Finding cheap insurance for a Subaru Forester in Ohio is probably important to the majority of drivers, and one of the fastest ways to pay less for insurance is to only pay for liability coverage. The chart below visualizes the comparison of auto insurance costs with and without physical damage coverage. The premiums are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

On average, physical damage coverage costs $1,057 per year more than carrying just liability coverage. That is a big expense that brings up the question when is it safe to stop buying full coverage. There is no set rule of when to exclude full coverage, but there is a general convention. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s say your vehicle’s replacement cost 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 the deductible is paid. If you are currently paying more than $950 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some scenarios where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Why are you paying too much for Forester insurance?

Ohio car insurance rates are calculated based on many things that may substantially change the policy premium. Turning one year older, buying another vehicle, or getting a ticket for careless driving may prompt premium changes that may make certain companies cheaper than competitors. Not only may your risk profile change, but auto insurance companies file new Ohio auto insurance rates every year in order to be able to pay unexpected claims. Significantly higher losses can cause additional price hikes, while profitable underwriting may result in cheaper Forester insurance rates.

As an example, the data below shows the companies that have the cheapest car insurance in Ohio for a 30-year-old male driver with no violations or accidents, and good credit. Based on his current rating profile, Utica National has the most affordable car insurance rates in Ohio at $654 each year. This is $386 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are also on the list of the most affordable Ohio auto insurance companies.

Let’s now give the driver from the first set of rates a chargeable claim, a lower credit rating, and a stop sign violation. Due to the fact that every auto insurer uses their own method to determing premium rates, comparing prices may now result in a different set of affordable companies as shown below.

Cincinnati Insurance now has the best auto insurance rate in Ohio with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty now being in the top five. This demonstrates why it is important to compare rates to get cheap car insurance rates for a Subaru Forester. Car insurance prices can be determined by many risk factors and can increase or decrease at any time, so the most affordable company when you last compared rates may now not even be in the top five.

Ideas for finding more affordable insurance for a Subaru Forester

Lowering your rates is not difficult, and here are some thrifty suggestions that can help Ohio drivers find cheap auto insurance.

• Buying home and auto together can help save money
• Avoid accidents and claims
• Vehicles with good safety ratings have lower liability rates
• Having too many claims will increase rates substantially
• Violations like speeding or DUI increase rates
• Look for cheaper rates once a year by shopping around

The last idea is very significant, as we hit on in this article. Auto insurance prices fluctuate considerably, so drivers shouldn’t be reluctant to switch companies if a lower-cost policy is available. Sticking with a specific company is fine, but it’s not a great idea if that loyalty results in overpaying major coinage every year. Now is a great time to shop around to find cheaper car insurance for a Subaru Forester.