Insurance for Subaru ForesterDo you need a better way to compare cheaper auto insurance rates in Fort Collins, CO? Fort Collins consumers have many options when looking for low-cost Subaru Forester insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to make rate comparisons.

There is a right way and a wrong way to buy auto insurance so you're going to learn the best way to get price quotes for a new or used Subaru and obtain the cheapest rates.

You need to do rate comparisons before your policy renews because prices go up and down regularly. Even if you got the lowest rates on Subaru Forester insurance in Fort Collins last year you will most likely find a better premium rate today. Ignore everything you know about auto insurance because you're about to learn the best methods to save money, get proper deductibles and limits, all at the lowest rate.

Cheaper rates by taking advantage of discounts

Companies don't list all discounts very clearly, so the following is a list of some of the best known as well as the least known insurance savings.

Consumers should know that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, you aren't that lucky. But any discount will definitely lower your overall premium however.

Popular insurance companies and some of the premium reductions they offer are shown below.

When quoting, ask each company the best way to save money. Savings might not be offered in Fort Collins. If you would like to see a list of insurance companies with the best Subaru Forester insurance discounts in Colorado, click here to view.

The car insurance companies shown below provide comparison quotes in Colorado. If more than one company is shown, we recommend you get rates from several of them to find the most competitive car insurance rates.

Subaru Forester Insurance Price Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $190 $288 $298 $18 $90 $884 $74
Forester X Premium AWD $192 $306 $280 $16 $84 $878 $73
Forester X Premium AWP AWD $210 $354 $404 $24 $120 $1,112 $93
Forester X Limited Edition AWD $332 $448 $304 $18 $92 $1,194 $100
Forester X Limited Edition W/Navigation AWD $234 $416 $404 $24 $120 $1,198 $100
Forester XT AWD $422 $792 $404 $24 $120 $1,762 $147
Forester XT Limited Edition AWD $296 $546 $286 $16 $86 $1,230 $103
Forester XT Limited Edition W/Navigation AWD $164 $288 $286 $16 $86 $840 $70
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in zip code location which can affect coverage rates noticeably.

Should you buy full coverage?

The information below illustrates the comparison of Subaru Forester insurance prices with full coverage and liability only. The data is based on no claims or driving violations, $250 deductibles, married male driver, and no discounts are taken into consideration.

When to switch to liability coverage only

There isn't a written rule for eliminating full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Subaru Forester book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after paying the physical damage deductible. If premiums are more than $600 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Components of Your Subaru Forester Insurance Premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that are used to determine the rates you pay for auto insurance. If you know what controls the rates you pay, this allows you to make good choices that will entitle you to lower auto insurance prices. Many things are considered when you get a price on insurance. A few of the factors are predictable such as your driving history, but some are more transparent like your continuous coverage or how safe your car is.

Buying from auto insurance agents

Some consumers just prefer to talk to an insurance agent and that can be a smart move Insurance agents can make sure you are properly covered and will help you if you have claims. One of the great benefits of comparing rates online is you can get better rates and also buy local. And buying from local insurance agencies is important particularly in Fort Collins.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information is emailed to local insurance agents who will return price quotes for your insurance coverage. You never need to contact any insurance agencies since rate quotes are delivered to you. If you have a need to compare rates from a particular provider, just navigate to their website and fill out their quote form.

Finding a good company needs to be determined by more than just a cheap price. Any agent in Fort Collins should have no problem answering these questions:

Choosing the best Forester insurance in Colorado is an important decision

Despite the high insurance cost for a Subaru Forester in Fort Collins, insuring your vehicle is required in Colorado but it also protects you in many ways.

The benefits of carrying adequate insurance outweigh the cost, especially when you need to use it. Unknowingly, the average driver is overpaying more than $850 per year so you should quote and compare rates once a year at a minimum to help ensure money is not being wasted.

How much can you save?

Throughout this article, we presented some good ideas how to find cheap Subaru Forester insurance in Fort Collins. The key thing to remember is the more companies you get rates for, the better likelihood of getting cheaper Fort Collins auto insurance quotes. You may even discover the lowest priced car insurance comes from the smaller companies.

Discount Subaru Forester insurance in Fort Collins can be purchased on the web as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some car insurance companies do not provide rates over the internet and these smaller providers sell through independent insurance agents.

When you buy Fort Collins auto insurance online, never buy poor coverage just to save money. In many cases, drivers have reduced physical damage coverage to discover at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

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