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

Anytime the topic is car insurance, the word affordable really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. It’s a simple fact that cheap auto insurance for a Subaru Forester can be hard to find. We’ll try to make it up to you, because we are going to show you some ways you can quote and buy insurance that is easy on your budget.

Whether or not you can find affordable insurance for a Subaru Forester in Indiana hinges on a complicated equation that takes into consideration things such as your age, if you have a tendancy to file claims, and your motor vehicle report. Drivers pay around $1,080 a year to insure their Forester, but that is using cost data for a 30-year-old single female driver that included full comprehensive and collision coverage and $250 physical damage deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not exactly 30 years old and possibly not even female, married instead of single, or maybe you just want to insure for liability only. Having even a minor difference in policy rating variables can make a large difference in the rate quoted for a Subaru Forester.

Auto insurance rates are unique for each driver, so the best method for finding affordable rates for your Subaru is to make a habit of comparing rates at every renewal. It’s really quite easy you can get prices from some of the cheapest companies available.

Cheapest Subaru Forester Insurance Rates

The trim level of your Subaru impacts the insurance rate, so the rate you will pay to insure a Forester X AWD model will be $110 less expensive the price to insure the high end Forester XT Limited Edition W/Navigation AWD model, as shown in the chart below.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in garaging location in Indiana which can impact insurance rates noticeably.

Determining which insurers offer the most affordable auto insurance rates for a Subaru Forester will require a little more sweat than just picking a company at random. Each auto insurance company has a proprietary formula to determine premium rates, so let’s examine the auto insurance companies that tend to be cheaper in Indiana.

We do need to point out that Indiana auto insurance rates are determined by lots of factors that will increase or decrease the cost of having a policy. Simply having a birthday, getting married, or having a fender bender can cause premium changes that can now make some companies more affordable than the competition.

Cheapest Insurance Rates for Your Subaru

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Travelers normally has some of the best car insurance rates in Indiana at around $602 each year. Cincinnati Insurance, USAA, Erie, and Western Reserve also are some of the lowest-priced Indiana insurance companies.

In the above rates, if you currently have coverage with Erie and switched to Cincinnati Insurance, you may realize yearly savings of around $47. Drivers with Western Reserve could save as much as $188 a year, and Indiana Farmers Mutual customers might lower prices by up to $209 a year.

These estimates are averages across all drivers and vehicles in Indiana and do not take into consideration a specific rate value for a Subaru Forester. So the auto insurance company that has the cheapest price for you may not even be featured in the above list. That helps illustrate why you need to get car insurance quotes using your own individual information.

Discounts on cheap insurance for a Subaru Forester in Indiana

Insurance providers that provide policies for a Subaru Forester may also offer price discounts that could lower prices by as much as 30% if you meet specific criteria. A few popular companies and some of the premium reductions they offer include:

The information below illustrates the comparison of car insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or driving citations, Indiana state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, vehicle safety, accident-free, marriage, anti-theft, and claim-free discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for a Subaru Forester is % or $.

How violations and accidents impact rates

In a perfect world, the best way to find good auto insurance prices for a Forester is to drive cautiously and not get tickets or have accidents. The example below illustrates how speeding tickets and at-fault claims drive up insurance prices for different age groups. The rates are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.

The data in the chart shows the average cost of auto insurance in Indiana per year with no accidents and a clean driving record is $1,325. Add in one speeding ticket and the average cost hikes up to $1,537, an increase of $212 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Subaru Forester goes up to an average of $3,270. That’s an increase of $1,945, or $162 per month, just for being a little careless behind the wheel!

Find cheap insurance for a Subaru Forester in Indiana

Below you’ll find many thrifty suggestions that can help you find lower-cost auto insurance.

• Vehicles with good safety ratings have lower liability rates
• Increase your credit rating
• Save money by only buying liability coverage for older vehicles
• Raise your physical damage coverage deductibles
• Try to not file small claims
• Save money by insuring your home and auto with the same company
• Compare rates and switch if you can find a better deal

The last idea is extraordinarily critical, as was stressed in this write-up. Prices charged by auto insurers can change considerably based on profitability, so you should be ready to switch companies if a more affordable rate is found. Brand loyalty is great, but it isn’t a good idea if it’s costing you lots of hard earned cash every month. If you have a few minutes, now is a great time to compare prices and find cheaper car insurance for a Subaru Forester.

Who is cheaper: Allstate, Progressive, State Farm, or Geico?

When shopping for insurance for a Forester in Indiana, four companies to definitely compare rates with are Allstate, Progressive, State Farm, and Geico. They all offer somewhat different options that add value to each policy. The next table points out price, claims, and customer service ratings, as well as some optional coverages that are available for buyers.