Finding economical auto insurance for a Subaru Forester can be really easy, but it is dependent upon many factors such as how many years you have been driving, your credit score, and any prior driving offenses you have. Drivers pay around $1,011 each year for Forester insurance, but that is calculated using a 50-year-old married female driver with full physical damage coverage and $250 deductibles.
It’s highly likely you’re not a 50-year-old female, maybe you are single instead of married, or maybe you want more liability coverage than is required by law in Texas. This shows why the best method for finding the cheapest coverage for your Subaru is to compare rates from as many companies as possible.
Your Subaru’s trim level can impact the coverage cost, so the rate you will pay to insure a Forester X AWD trim level will be $104 less expensive the insurance cost for the more well-appointed Forester XT Limited Edition W/Navigation AWD trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$256||$412||$304||$18||$92||$1,082||$90|
|Forester X Premium AWD||$256||$412||$304||$18||$92||$1,082||$90|
|Forester X Premium AWP AWD||$256||$412||$304||$18||$92||$1,082||$90|
|Forester X Limited Edition AWD||$286||$412||$304||$18||$92||$1,112||$93|
|Forester X Limited Edition W/Navigation AWD||$286||$486||$304||$18||$92||$1,186||$99|
|Forester XT AWD||$286||$486||$304||$18||$92||$1,186||$99|
|Forester XT Limited Edition AWD||$286||$486||$304||$18||$92||$1,186||$99|
|Forester XT Limited Edition W/Navigation AWD||$286||$486||$304||$18||$92||$1,186||$99|
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in vehicle location which can influence premium rates considerably.
How to find a good Texas car insurance company
Picking the top car insurance provider can be difficult considering how many choices drivers have in Corpus Christi. The company ratings listed below could help you choose which car insurance companies to look at when trying to find cheaper insurance for a Subaru Forester. The rankings below are only made up of companies that insure vehicles across America, so smaller companies are not factored into the list.
Top 10 Major Auto Insurers in Corpus Christi Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Major Auto Insurers in Corpus Christi Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
The example below shows how choosing a deductible can change yearly insurance costs when researching cheap insurance for a Subaru Forester. The rates are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could save $374 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $566 by changing to a $1,000 deductible. Even younger insureds, like the age 20 example, can save up to $930 or even more by choosing larger deductibles on their policy. When raising deductibles, it is necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Bad driving habits will cost you more
The easiest method to earn the best car insurance premiums in Texas for a Forester is to be a safe driver and avoid accidents and traffic citations. The information below illustrates how traffic citations and at-fault accidents raise insurance costs for each age group. The costs are based on a single male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
The data above shows the average cost of auto insurance in Texas per year with no accidents and a clean driving record is $2,303. Add in two speeding tickets and the average cost surges to $3,061, an increase of $758 each year. Now add in one accident along with the two speeding tickets and the yearly cost of car insurance for a Subaru Forester jumps again to an average of $3,794. That’s an increase of $1,491, or $124 per month, just for not being a responsible driver!
Who has the cheapest Forester insurance?
Texas car insurance rates are influenced by many factors which can substantially decrease or increase your annual premium. Simply improving your credit, marrying your spouse, or getting a ticket for careless driving can trigger rate changes resulting in some companies being cheaper than competitors.
Not only may things change on your end, but insurers file new Texas car insurance rates as needed in order to maintain liquidity for claims. An unexpected high level of claims may cause rate hikes, while better underwriting can produce more affordable Forester insurance rates.
The graph below analyzes the cheapest car insurance in Corpus Christi, TX for a 45-year-old male driver with no prior claims, no tickets, and excellent credit. If we estimate rates based on his personal risk profile, Travelers may offer the lowest car insurance rates in Corpus Christi at $1,078 each year. This is $826 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the cheapest Corpus Christi, TX auto insurance companies.
Now we will pretend the driver from the first rate comparison a claim surcharge, a little lower credit rating, and a blemish on his driving record. Since each insurance company has a different formula to set policy rates, comparing quotes may now present a completely different list of companies as shown below.
State Farm now has the cheapest rate in Corpus Christi, TX with Mercury, Nationwide, Safe Auto, and USAA also having competitive pricing. This demonstrates why Texas drivers need to take the time to shop around to find affordable car insurance quotes for a Subaru Forester. Car insurance prices can be altered by many things and can change substantially, so the cheapest option the last time you shopped your coverage around may now be costing you a lot of money.
How to find budget-friendly insurance for a Subaru Forester
The list below shows some of the better penny-pinching suggestions that can help Corpus Christi drivers find cheap car insurance.
- Drive safe vehicles
- Good credit can save money
- Avoid accidents and claims
- Raise your physical damage coverage deductibles
- Drop full coverage on older vehicles
- Ensure your driving record is clean
- Compare rates once a year for cheaper prices
That last piece of advice is extremely significant, as we hit on in this piece. Car insurance prices in Corpus Christi can change considerably in a year, so don’t hesitate to buy a policy from a new company if a more affordable rate is found.
Many consumers stick with the same company and that’s fine, but it’s not recommended if that loyalty results in overpaying money that could be used for better things. In just a few minutes you could compare rates to find cheaper insurance for a Subaru Forester.
If you have questions and prefer to have a consultation when trying to find lower insurance rates for a Subaru Forester, the agents below can aid you in deciding which insurance coverage will be best for you. To find an auto insurance agency close to you, click the button at the bottom of the list.
- Allstate Insurance: Jill Reed
4411 S Alameda St a – Corpus Christi, TX 78412 – (361) 452-8055
- Alliance Insurance Agency, Inc.
13310 Leopard St #4 – Corpus Christi, TX 78410 – (361) 241-3303
- Farmers Insurance – Richard Peetz
3038 S Alameda St – Corpus Christi, TX 78404 – (361) 887-7801
- Johnnie Bickham – State Farm Insurance Agent
11014 Leopard St – Corpus Christi, TX 78410 – (361) 241-7621
- Gene McWhorter – State Farm Insurance Agent
14101 Northwest Blvd #103 – Corpus Christi, TX 78410 – (361) 767-0750