Who Has Cheap Insurance Quotes for a Subaru Forester in Arizona?

When talking about auto insurance, the word affordable should not appear anywhere in the article as a descriptor for auto insurance rates. It’s just a fact that cheap auto insurance for a Subaru Forester can be hard, if not impossible, to find. But fear not, because we can show you some ways you can still find auto insurance that is cheaper than what you have now.

Your odds of finding cheaper car insurance for a Subaru Forester in Arizona hinges on a complex formula that factors things like your date of birth, if you are currently insured, and any prior driving offenses you have. Arizona drivers pay on average $1,170 a year to insure a Subaru Forester, but that figure is using a 30-year-old single male that includes both comprehensive and collision coverage and $100 physical damage deductibles.

There is a really good chance that you are not a 30-year-old male, married instead of single, or maybe you’re a renter instead of a homeowner. This shows why the way we recommend to find affordable rates for your Subaru is to quote often and with as many companies as possible.

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The trim level of your Forester can impact the annual cost of coverage, so the price you will be charged to insure a Forester X AWD will be $120 cheaper than the cost to insure the fancier Forester XT Limited Edition W/Navigation AWD trim level, as shown below.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can modify premiums greatly.

Ending up with a high-quality insurance provider can be challenging considering how many choices there are in Arizona. The information listed below can help you decide which coverage providers you want to consider when comparing rates. These rankings include companies that insure vehicles across America, so companies that have a smaller presence are not included in the list.

Top 10 Large Auto Insurance Providers in Arizona Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. GEICO – 89%
7. The Hartford – 89%
8. The General – 88%
9. Liberty Mutual – 88%
10. Allstate – 88%

Top 10 Large Auto Insurance Providers in Arizona Ranked by Customer Service

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

Top Companies for Subaru Forester Insurance in Arizona

The illustration below illustrates how your choice of deductibles can affect insurance costs when researching cheap insurance for a Subaru Forester. The price estimates are based on a married male driver, full coverage, and no discounts are factored in.

In the chart above, a 40-year-old driver could cut expenses by $268 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $410 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old example, can save up to $882 or even more by using a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it is important to have enough spare savings to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Does State Farm, Geico, Allstate, or Progressive have the cheapest car insurance?

If you’re looking for the cheapest insurance for a Forester in Arizona, the most popular companies are State Farm, Geico, Allstate, and Progressive. Combined they insure almost 50% of the entire U.S. market share. The following table shows some of the different options and features offered by each company.

How to find low-cost insurance for a Subaru Forester

Below you’ll find some penny-pinching ideas that can help Arizona drivers buy lower-cost coverage.

• Higher credit scores can equal lower rates
• Try to pay small claims out-of-pocket
• Avoid accidents
• The safer your car, the less it costs to insure
• Drive safely
• Comparison shop at least once a year

The last tip in the list is incredibly vital, as we emphasized in this piece. Prices charged by car insurance companies change a lot, so don’t be hesitant to switch carriers if a lower price can be found. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that loyalty results in overpaying a wad of cash every year. In less than five minutes you could compare rates to find cheaper car insurance for a Subaru Forester.