Affordable Quotes for Subaru Forester Insurance in Seattle

Wish you could get a refund on an expensive auto insurance policy? Don’t feel bad because there are lots of people in the same boat.

Discount Subaru Forester insuranceIt’s amazing but the majority of drivers have remained with the same auto insurance company for a minimum of four years, and almost 40% of drivers have never compared rate quotes at all. The average driver in Seattle could save approximately $400 a year just by comparing rates, but they just don’t understand how much they could save if they changed companies.

Vehicle owners have many insurers to buy insurance from, and even though it’s nice to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.

Low-cost companies for Subaru Forester insurance in Washington

The companies shown below have been selected to offer free quotes in Washington. If several companies are displayed, we recommend you visit several of them in order to get a fair rate comparison.

Subaru Forester Insurance Price Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $200 $326 $240 $14 $72 $852 $71
Forester X Premium AWD $294 $384 $328 $20 $98 $1,124 $94
Forester X Premium AWP AWD $222 $376 $264 $16 $78 $956 $80
Forester X Limited Edition AWD $248 $390 $240 $14 $72 $964 $80
Forester X Limited Edition W/Navigation AWD $274 $530 $264 $16 $78 $1,162 $97
Forester XT AWD $176 $284 $250 $14 $76 $800 $67
Forester XT Limited Edition AWD $246 $466 $284 $16 $84 $1,096 $91
Forester XT Limited Edition W/Navigation AWD $354 $664 $338 $20 $102 $1,478 $123
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific Seattle garaging location which can modify premiums greatly.

Full coverage versus liability-only

The example below shows the difference between Subaru Forester insurance costs with liability coverage only compared to full coverage. The data is based on no claims or violations, $250 deductibles, single male driver, and no discounts are applied.

Should you buy full coverage or liability only?

There is no clear-cut formula to exclude physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s say your Subaru Forester book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after paying your deductible. If premium cost is more than $700 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where dropping full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

Safe drivers pay cheaper rates

The diagram below illustrates how traffic citations and at-fault collisions impact Subaru Forester auto insurance rates for different age groups. The costs are based on a single female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Comparison of policy deductibles

When shopping for car insurance, a common question is how high should the physical damage deductibles be. The rates shown below approximate the rate difference of buying low and high physical damage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Subaru Forester insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $286 $458 $250 $14 $76 $1,109 $92
Forester X Premium AWD $286 $458 $250 $14 $76 $1,109 $92
Forester X Premium AWP AWD $286 $458 $250 $14 $76 $1,109 $92
Forester X Limited Edition AWD $318 $458 $250 $14 $76 $1,141 $95
Forester X Limited Edition W/Navigation AWD $318 $540 $250 $14 $76 $1,223 $102
Forester XT AWD $318 $540 $250 $14 $76 $1,223 $102
Forester XT Limited Edition AWD $318 $540 $250 $14 $76 $1,223 $102
Forester XT Limited Edition W/Navigation AWD $318 $540 $250 $14 $76 $1,223 $102
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Subaru Forester insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $208 $310 $250 $14 $76 $858 $72
Forester X Premium AWD $208 $310 $250 $14 $76 $858 $72
Forester X Premium AWP AWD $208 $310 $250 $14 $76 $858 $72
Forester X Limited Edition AWD $232 $310 $250 $14 $76 $882 $74
Forester X Limited Edition W/Navigation AWD $232 $364 $250 $14 $76 $936 $78
Forester XT AWD $232 $364 $250 $14 $76 $936 $78
Forester XT Limited Edition AWD $232 $364 $250 $14 $76 $936 $78
Forester XT Limited Edition W/Navigation AWD $232 $364 $250 $14 $76 $936 $78
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific zip code location which can decrease or increase premium rates substantially.

Based on these figures, using a $100 deductible costs approximately $22 more each month or $264 every year than choosing the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 18 months between claims, you would probably save some money if you decide on a higher deductible.

Calculate deductible break even point

Average monthly premium for $100 deductibles: $97
Average monthly premium for $500 deductibles (subtract): – $75
Monthly savings from raising deductible: $22
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Informed Drivers Can Reduce Insurance Rates

Many different elements are used in the calculation when you get a price on insurance. Some are pretty understandable like your driving record, although others are more transparent such as your marital status or your vehicle rating. Smart consumers have a good feel for a few of the rating criteria that aid in calculating the price you pay for insurance. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.

Determine discounts to get cheap Seattle auto insurance quotes

Companies that sell car insurance do not advertise every possible discount in an easy-to-find place, so the below list has some of the more common and also the lesser-known credits available to you.Cheaper auto insurance with discounts

You should keep in mind that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, that’s just not realistic.

A list of companies and a partial list of their discounts can be found below.

If you are trying to find affordable Seattle auto insurance quotes, ask every insurance company which discounts you may be entitled to. A few discounts may not apply to policyholders everywhere. To see a list of companies who offer auto insurance discounts in Seattle, click here.

Local insurance agents

Certain consumers still like to visit with an insurance agent and often times that is recommended One of the best bonuses of comparing rate quotes online is that drivers can save money and get the best rates and also buy local.

Find insurance agent in SeattleTo make it easy to find an agent, after completing this form (opens in new window), the quote information gets sent to agents in your area that can provide free Seattle auto insurance quotes for your coverage. You won’t even need to search for an agent because quoted prices will be sent immediately to you. You can most likely find cheaper rates without having to waste a lot of time. If you need to get a comparison quote for a specific company, feel free to search and find their rate quote page to submit a rate quote request.

Deciding on an provider needs to be determined by more than just the price. Any agent in Seattle should be forthright in answering these questions:

If you want a local Seattle insurance agency, it can be helpful to understand the different types of agencies that differ in how they can insure your vehicles. Auto insurance agents in Seattle can be described as either exclusive or independent (non-exclusive).

Exclusive Auto Insurance Agencies

Exclusive agents can only write with one company and examples are American Family, State Farm, and AAA. They usually cannot compare other company’s rates so they really need to provide good service. They are usually well trained on their company’s products which helps them sell insurance even at higher premiums.

Below are Seattle exclusive agencies who can help you get rate quotes.

7 Denny WaySeattle, WA 98109(206) 956-0580View Map

315 N 36th St #201Seattle, WA 98103(206) 588-0559View Map

1705 N 45th, Ste ASeattle, WA 98103(206) 632-8000View Map

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Independent Auto Insurance Agencies

Agents that choose to be independent do not work for one specific company and that is an advantage because they can write policies with many different companies and find the cheapest rate. If they find a cheaper price, an independent agent can move your coverage and you don’t have to switch agencies. When comparison shopping, we recommend you get quotes from a couple of independent agencies in order to compare the most rates.

The following is a list of independent insurance agents in Seattle who can help you get price quotes.

1200 Westlake Ave N #607Seattle, WA 98109(206) 284-0171View Map

8613 35th Ave NESeattle, WA 98115(206) 523-8660View Map

3424 W McGraw StSeattle, WA 98199(206) 284-4886View Map

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Can you really save $463 a year?

Allstate and Progressive endlessly run ads in print and on television. All the ads try to convey promises that drivers will save a bundle if you change your auto insurance coverage to their company. How does every company sell you cheaper insurance coverage? This is the trick they use.

Insurance companies have strict underwriting profiles for a prospective insured that will not have excessive claims. A good example of a profitable risk profile may need to be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. Anybody that hits that “sweet spot” will get very good Seattle rates and therefore will save when they switch companies.

Potential customers who do not match the ideal profile will probably be forced to pay a more expensive rate and ends up with the customer not buying. The wording the ads use say “people that switch” not “everybody who quotes” save money. That’s the way companies can truthfully make those statements. Because every company is different, you really should get Seattle auto insurance quotes from several different companies. It is impossible to predict the company that will give you lower premium rates than your current company.

Persistence will pay off

Throughout this article, we presented a lot of ways to reduce Subaru Forester insurance prices online in Seattle. The key concept to understand is the more you quote Seattle auto insurance, the higher your chance of finding inexpensive Seattle auto insurance quotes. Consumers may even find the best prices are with the least-expected company. These smaller insurers may often insure only within specific states and give better rates as compared to the big name companies such as State Farm and Allstate.

Affordable Subaru Forester insurance in Seattle can be found online and from local agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies do not provide rate quotes online and most of the time these smaller companies only sell coverage through independent insurance agents.

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. In many cases, drivers have reduced full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage for the lowest price while still protecting your assets.

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