Finding affordable coverage for a Subaru Forester is pretty simple, but it hinges on a lot of rating criteria such as how safe your vehicle is, if you have a tendancy to file claims, and if you have a history of accidents. Drivers in Colorado pay on average $932 a year for Forester insurance, but that amount is an approximation calculated using a 40-year-old married female driver with full physical damage coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 40 and maybe not even a female, you might be single instead of married, and maybe your Forester is older and does not require full coverage. Even a slight change in the rating criteria used to formulate rates can result in a big discrepancy in the policy rate.
Insurance is an individual thing, so the only way to find the cheapest rates for your Subaru is to compare as many rates as you can. Do a quick rate comparison now and you can get prices from the best companies that sell coverage in Colorado.
The specific trim level tends to impact the annual cost of coverage, so the price to insure a Forester X AWD model will be $88 less expensive the cost to insure the fancier Forester XT Limited Edition W/Navigation AWD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$214||$362||$314||$18||$94||$1,002||$84|
|Forester X Premium AWD||$214||$362||$314||$18||$94||$1,002||$84|
|Forester X Premium AWP AWD||$214||$362||$314||$18||$94||$1,002||$84|
|Forester X Limited Edition AWD||$238||$362||$314||$18||$94||$1,026||$86|
|Forester X Limited Edition W/Navigation AWD||$238||$426||$314||$18||$94||$1,090||$91|
|Forester XT AWD||$238||$426||$314||$18||$94||$1,090||$91|
|Forester XT Limited Edition AWD||$238||$426||$314||$18||$94||$1,090||$91|
|Forester XT Limited Edition W/Navigation AWD||$238||$426||$314||$18||$94||$1,090||$91|
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific garaging location which can increase or decrease premium rates significantly.
Car insurance company ratings
Picking the top auto insurance company can be rather challenging considering how many companies provide coverage in Colorado. The company ratings in the lists below can help you choose which insurers to look at shopping your coverage with.
The rankings below are for large insurance companies, so smaller companies that only insure vehicles in Colorado are not taken into consideration for the list. If you wish to compare rates and find cheaper insurance for a Subaru Forester, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The example below shows how choosing a deductible can influence premium costs when getting quotes for cheap insurance for a Subaru Forester in Colorado. The premiums are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
A 50-year-old driver could lower their car insurance rates by $352 a year by switching from a $100 deductible up to a $500 deductible, or save $532 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, could roll back prices $1,168 every year by choosing larger deductibles on their policy.
When using a larger deductible, it will be necessary to have additional savings on hand to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Impact of speeding/accidents on car insurance rates
The best way to find affordable car insurance rates in Colorado for a Forester is to drive carefully and maintain a clean driving record. The chart below shows how traffic citations and at-fault claims can influence insurance prices for each age group. The data is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
The data above shows the average cost of auto insurance in Colorado per year with a clean driving record and no accidents is $1,548. Get written up for one speeding ticket and the average cost surges to $1,754, an increase of $206 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Subaru Forester in Colorado increases to an average of $3,625. That's an increase of $2,077, or $173 per month, just for not driving safely!
Get discounts on Colorado insurance rates
Insurance companies that offer cheap quotes for a Subaru Forester may provide premium discounts that can reduce rates by as much as 35% or more if you meet the requirements. Large car insurance companies and a summarized list of policyholder discounts are:
- State Farm discounts include good driver, good student, passive restraint, anti-theft, and driver's education.
- Farmers Insurance has savings for business and professional, bundle discounts, good student, pay in full, and multi-car.
- Progressive may include discounts for continuous coverage, online quote discount, multi-policy, multi-vehicle, and online signing.
- GEICO offers discounts for multi-policy, seat belt use, military active duty, anti-theft, daytime running lights, five-year accident-free, and federal employee.
- Auto-Owners Insurance policyholders can earn discounts including paid in full, teen driver, anti-theft, multi-policy, and paperless.
- The Hartford offers premium reductions for air bag, driver training, vehicle fuel type, defensive driver, bundle, and good student.
- Farm Bureau includes discounts for renewal discount, youthful driver, multi-vehicle, safe driver, good student, and driver training.
- USAA offers discounts including family discount, multi-vehicle, good student, annual mileage, and defensive driver.
The information below compares yearly insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, homeowner, anti-theft, passive restraint, accident-free, and safe-driver discounts applied. When taking advantage of discounts, the the average amount saved on car insurance for a Subaru Forester is 28% or $552.