Find Cheaper Subaru Forester Insurance in Madison

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Unbelievably, the vast majority of insurance customers have remained with the same insurance company for more than four years, and virtually 40% of consumers have never shopped around. Wisconsin drivers could save $373 each year just by getting comparison quotes, but they just don't understand the benefits if they replace their high priced policy.

Discount Subaru Forester insuranceThe easiest way to get the cheapest car insurance rates in Madison is to annually compare prices from insurers who sell insurance in Wisconsin. Prices can be compared by following these guidelines.

  • First, read and learn about auto insurance and the measures you can control to prevent expensive coverage. Many policy risk factors that cause rate increases such as multiple speeding tickets and a low credit rating can be improved by making lifestyle changes or driving safer. This article provides information to prevent high rates and get discounts that may be available to you.
  • Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while agents who are independent can quote prices for a wide range of companies. View rates
  • Third, compare the price quotes to your existing coverage to determine if switching companies saves money. If you find a better price and buy the policy, ensure coverage does not lapse between policies.

The key aspect of shopping around is to make sure you enter identical deductibles and limits on every quote and and to compare every insurance company. This helps ensure an apples-to-apples comparison and a complete selection of prices.

Finding more affordable Subaru Forester car insurance rates can be relatively painless. All you need to do is take a few minutes to compare rates provided by online insurance companies.

It's so simple to compare car insurance rate quotes online takes the place of having to physically go to all the different Madison insurance agencies. The fact that you can get quotes online has reduced the need for local agents unless you require the professional guidance that only an agent can give. You can, however, get prices online but still have the advice of a local agent.

The companies shown below are ready to provide free rate quotes in Wisconsin. If you wish to find cheaper car insurance in Madison, we recommend you visit two to three different companies to get a more complete price comparison.

Rates and data analysis

The data table displayed next showcases estimates of insurance policy prices for Subaru Forester models. Learning more about how car insurance premiums are calculated can assist in making smart policy decisions.

Subaru Forester Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $248 $440 $264 $16 $78 $1,046 $87
Forester X Premium AWD $248 $440 $264 $16 $78 $1,046 $87
Forester X Premium AWP AWD $248 $440 $264 $16 $78 $1,046 $87
Forester X Limited Edition AWD $276 $440 $264 $16 $78 $1,074 $90
Forester X Limited Edition W/Navigation AWD $276 $518 $264 $16 $78 $1,152 $96
Forester XT AWD $276 $518 $264 $16 $78 $1,152 $96
Forester XT Limited Edition AWD $276 $518 $264 $16 $78 $1,152 $96
Forester XT Limited Edition W/Navigation AWD $276 $518 $264 $16 $78 $1,152 $96
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in vehicle garaging location which can influence insurance rates considerably.

Policy deductible comparison

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The tables below approximate the difference in cost between low and high physical damage coverage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Subaru Forester insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $200 $300 $196 $12 $58 $791 $66
Forester X Premium AWD $200 $300 $196 $12 $58 $791 $66
Forester X Premium AWP AWD $200 $300 $196 $12 $58 $791 $66
Forester X Limited Edition AWD $224 $300 $196 $12 $58 $815 $68
Forester X Limited Edition W/Navigation AWD $224 $352 $196 $12 $58 $867 $72
Forester XT AWD $224 $352 $196 $12 $58 $867 $72
Forester XT Limited Edition AWD $224 $352 $196 $12 $58 $867 $72
Forester XT Limited Edition W/Navigation AWD $224 $352 $196 $12 $58 $867 $72
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Subaru Forester insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $124 $188 $196 $12 $58 $578 $48
Forester X Premium AWD $124 $188 $196 $12 $58 $578 $48
Forester X Premium AWP AWD $124 $188 $196 $12 $58 $578 $48
Forester X Limited Edition AWD $138 $188 $196 $12 $58 $592 $49
Forester X Limited Edition W/Navigation AWD $138 $222 $196 $12 $58 $626 $52
Forester XT AWD $138 $222 $196 $12 $58 $626 $52
Forester XT Limited Edition AWD $138 $222 $196 $12 $58 $626 $52
Forester XT Limited Edition W/Navigation AWD $138 $222 $196 $12 $58 $626 $52
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in specific garaging location which can lower or raise price quotes greatly.

Based on the above data, using a $250 deductible costs approximately $19 more each month or $228 a year across all Subaru Forester models than choosing the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 39 months between claims, you would more than likely save some money if you elect the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $69
Average monthly premium for $1,000 deductibles (subtract): - $50
Monthly savings from raising deductible: $19
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

Choosing the best Subaru vehicle insurance in Wisconsin is an important decision

Despite the high cost, auto insurance may be required for several reasons.

  • The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage if you drive a vehicle. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your vehicle has a lienholder, almost all lenders will make it mandatory that you have physical damage coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Subaru at a more expensive rate and require you to fork over for the expensive policy.
  • Insurance protects not only your car but also your financial assets. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers legal expenses if anyone sues you for causing an accident. If your Subaru gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of insuring your Forester are definitely more than the cost, especially when you need to use it. An average driver in America is overpaying more than $700 annually so you should quote rates at every renewal to save money.

How Car Insurance Companies Determine Subaru Forester Insurance Rates

Part of the car insurance buying process is learning some of the elements that go into determining the level of your policy premiums. If you understand what determines base rates, this allows you to make good choices that can earn you better car insurance rates. Lots of things are considered when you get a price on insurance. Some are pretty understandable like your driving record, but others are not as apparent like your vehicle usage or how safe your car is.

Your address can affect price - Living in a small town is a good thing when it comes to car insurance. City drivers regularly have more traffic problems and much longer commute distances. Fewer people translates into fewer accident claims and lower theft and vandalism rates.

Raising physical damage deductibles saves money - The deductibles state the amount of money the insured will be required to pay if you file a covered claim. Physical damage protection, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be collision with another vehicle, collision with a deer, or theft of your vehicle. The more expense you have to pay, the lower your rates will be.

Only buy coverage you need - Insurance companies have many additional coverages you can purchase on your Forester policy. Coverage for things like rental car coverage, better glass coverage, and membership fees could be just wasting money. They may sound like good ideas when you first buy your policy, but if you've never needed them in the past think about removing them and cutting costs.

Men are more aggressive - Statistics have proven that women are safer drivers than men. The data does not necessarily mean that males are worse at driving than females. They both are in fender benders at a similar rate, but guys have costlier accidents. Not only that, but men also receive more costly citations such as reckless driving.

The diagram below illustrates the difference between Subaru Forester annual premium costs for male and female drivers. The premiums assume a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are applied.

Subaru Forester insurance loss data - Auto insurance companies take into consideration insurance loss statistics for every vehicle to help calculate premium prices. Models that are shown to have higher claim amounts or frequency will cost more for specific coverages.

The next table shows the collected loss data for Subaru Forester vehicles. For each insurance policy coverage type, the claim amount for all vehicles as a whole is a value of 100. Values that are below 100 indicate better than average losses, while numbers above 100 indicate frequent claims or tendency to have larger claims.

Subaru Forester Insurance Claim Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Subaru Forester 4dr 4WD 71 80 108 72 76 68
Subaru Forester 4dr 4WD with Eyesight 74 66 118 77 78 53

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Get discounts on Madison auto insurance

Companies offering auto insurance don't always advertise every policy discount very clearly, so the list below contains some of the best known and also the lesser-known credits that may apply to you.Discount auto insurance

  • Theft Prevention System - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Discounts for New Vehicles - Buying a new car model can get you a discount because newer vehicles have to meet stringent safety requirements.
  • Pay Upfront and Save - If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
  • Good Students Pay Less - Excelling in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Accident Free - Good drivers with no accidents pay much less as opposed to bad drivers.
  • Multi-car Discount - Buying insurance for multiple cars with one company can reduce the rates for all insured vehicles.
  • Safety Restraint Discount - Drivers who require all vehicle occupants to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Safety Course Discount - Taking a course that instructs on driving safety could save 5% or more if your company offers it.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, it just doesn't work that way.

The chart below illustrates the comparison of Subaru Forester insurance premiums with and without some available policy discounts. The information is based on a female driver, no accidents, no driving violations, Wisconsin state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, claim-free, safe-driver, and multi-car discounts applied.

Large auto insurance companies and a summarized list of policyholder discounts are shown below.

  • Farm Bureau offers discounts for good student, driver training, multi-vehicle, 55 and retired, multi-policy, and renewal discount.
  • MetLife has savings for multi-policy, good driver, defensive driver, good student, claim-free, accident-free
  • Progressive has discounts for online quote discount, multi-vehicle, online signing, homeowner, multi-policy, and good student.
  • AAA includes discounts for good student, good driver, multi-policy, AAA membership discount, education and occupation, multi-car, and anti-theft.
  • American Family offers discounts including multi-vehicle, defensive driver, early bird, Steer into Savings, TimeAway discount, air bags, and mySafetyValet.
  • GEICO may include discounts for good student, emergency military deployment, daytime running lights, seat belt use, multi-vehicle, and military active duty.
  • State Farm may have discounts that include good driver, good student, defensive driving training, accident-free, Drive Safe & Save, student away at school, and safe vehicle.

Before buying, ask all the companies which discounts you qualify for. Savings might not apply in Madison. To find providers that offer discounts in Madison, click here to view.

Auto insurance is unique, just like you

When it comes to choosing your policy, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.Safe vehicles cost less to insure

For instance, these questions can help discover if your situation might need professional guidance.

  • Is a driver training discount available?
  • Is my nanny covered when transporting my kids?
  • I have a DUI can I still get coverage?
  • Should I put collision coverage on all my vehicles?
  • Is my Subaru Forester covered if I use it for business?
  • Is a blown tire covered by insurance?
  • Am I better off with higher deductibles on my Subaru Forester?
  • What is roadside assistance coverage?

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don't have a local agent, complete this form. It's fast, doesn't cost anything and can help protect your family.

Compare prices but buy from a local Madison insurance agency

Certain consumers still prefer to talk to a local agent and doing so can bring peace of mind Agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of comparing rates online is the fact that drivers can get lower rates but also keep your business local. And buying from local agencies is definitely important in Madison.

Find insurance agent in MadisonTo make it easy to find an agent, after completing this simple form, the quote information gets sent to local insurance agents who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to search for an agent as quotes are delivered to the email address you provide. If you wish to quote rates for a specific company, you can always go to their quote page and complete a quote there.

Finding the right company requires you to look at more than just a cheap price quote. Here are some questions you should ask.

  • Are they paid to recommend certain coverages?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Where would your vehicle be repaired?
  • How often do they review policy coverages?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Is coverage determined by price?

If you get positive responses for all questions you ask as well as an affordable premium quote, chances are good that you have found an insurer that can properly service your insurance policy. It's important to know that you are entitled to cancel coverage whenever you wish so don't feel that you're stuck with a specific agent for the entire policy term.

The best rates come from being thorough

People who switch companies do it for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, delays in responding to claim requests and high prices. No matter why you want to switch, finding a new company is actually quite simple.

We just presented some good ideas how you can get a better price on Subaru Forester insurance in Madison. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

When you buy Madison auto insurance online, you should never buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at the best cost while still protecting your assets.

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