How Much is Insurance for a Subaru Forester in Idaho?

The chances of buying the best cheap insurance for a Subaru Forester in Idaho is dependent upon a calculation that uses factors such as whether you are married or single, if you have ever let your coverage lapse, and any prior driving citations you have received. Drivers in Idaho pay on average $930 each year for Forester insurance, but that rate is an estimation calculated using a 40-year-old single female driver that purchased full physical damage coverage and $100 physical damage deductibles.

There is a good chance you are not 40 and maybe not even a female, married instead of single, or you need different physical damage deductibles. Using even a minor difference in policy rating variables can cause significant differences in the cost of insuring your Forester.

The different assumptions illustrate why the best way to find affordable rates for your Subaru is to regularly compare rates at renewal. In just a few minutes you can get rates from some of the cheapest companies around.

Cheapest Subaru Forester Insurance Rates

Your Subaru’s trim level impacts price, so the cost to insure a Forester X AWD model will be $100 less expensive the cost to insure the high end Forester XT Limited Edition W/Navigation AWD version, as shown below.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can revise coverage rates noticeably.

Deciphering which company offers the most affordable auto insurance rates for a Subaru Forester will take a tad more effort than just picking a company at random. Each auto insurer has a unique approach for setting prices, so let’s take a look at the overall cheapest auto insurance companies in Idaho.

Cheapest Insurance Rates for Your Subaru

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American National has some of the cheapest car insurance rates in Idaho at around $247 each year. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers are also some of the more affordable Idaho insurance companies.

As shown in the table above, if you are a customer of USAA and switched to American National, you could earn an annual savings of roughly $299. Policyholders with Farm Bureau of ID Group could save as much as $303 a year, and Oregon Mutual customers might lower prices by $425 a year.

To see if your current coverage is too expensive, click here to start your free quote or visit any of the companies below.

It’s important to note that these rates are averaged across all types of insureds and vehicles and do not take into consideration a specific rate value for a Subaru Forester. So the company that can offer you the lowest price may not even be featured in the chart above. That affirms the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

Do you need full coverage?

Finding cheap insurance for a Subaru Forester in Idaho should be important to most people, and one common way to save on the cost of insurance is to not pay for full coverage. The information below illustrates the difference between car insurance rates with full coverage and liability only. The data is based on no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no policy discounts are applied.

Averaged for all ages 20 through 70, comp and collision coverage costs an extra $1,355 per year over liability only. At some point, every insured wonders if buying full coverage is worth the expense. There isn’t a written rule of when to eliminate physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

There are some conditions where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Find cheap insurance for a Subaru Forester in Idaho

Here are many money-saving suggestions that can help drivers locate low-cost auto insurance.

• Accident-free drivers may qualify for discounts
• Safe vehicles generally have lower rates
• Good credit can save money
• Bundle home and auto and earn a discount
• Full coverage is expensive so only insure older vehicles for liability only
• Compare quotes from other companies often

The last suggestion is highly crucial, as was noted in this piece. Rates fluctuate considerably, so don’t hesitate to buy a policy from a new company if a better deal can be had.

Staying with the same company for years is fine, but it’s not a good idea if that loyalty ends up costing a considerable chunk of change every month. In just a few minutes you could compare rates to find cheaper car insurance for a Subaru Forester.