It’s safe to assume that auto insurance companies don’t want you to look at other companies. Drivers who compare other rates will probably buy a different policy because the odds are good of finding more affordable rates. A survey found that people who routinely shopped for cheaper coverage saved as much as $3,400 over four years compared to drivers who didn’t regularly shop around.
If saving the most money on Subaru Forester insurance is your target objective, then having some knowledge of how to compare coverages can make the process less intimidating.
The best way we recommend to get more affordable Subaru Forester insurance in Riverside is to compare quotes once a year from companies who sell auto insurance in California.
First, take a few minutes and learn about how insurance companies determine prices and the factors you can control to prevent high rates. Many factors that result in higher rates like inattentive driving and poor credit history can be eliminated by making minor changes in your lifestyle.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or State Farm, while independent agencies can provide price quotes from multiple companies.
Third, compare the new rates to the premium of your current policy and determine if there is any savings. If you find a lower rate quote, verify that coverage does not lapse between policies.
Fourth, provide written notification to your current company of your decision to cancel the current policy and submit the completed application along with a down payment to the new company. Once the application is submitted, put the proof of insurance paperwork in an accessible location in your vehicle.
One key aspect when comparing rates is that you’ll want to compare identical coverages on each quote request and and to get prices from as many companies as feasibly possible. This ensures an accurate price comparison and many rates to choose from.
Get cheaper Subaru Forester insurance in Riverside with discounts
Insurance can be prohibitively expensive, but you may find discounts that can dramatically reduce your bill. Some trigger automatically when you complete an application, but a few must be specifically requested before being credited.
- Anti-theft System – Cars and trucks with anti-theft systems are stolen less frequently and earn discounts up to 10% off your Riverside car insurance quote.
- Driver’s Ed – Have your child take driver’s ed class if it’s offered in school.
- Data Collection Discounts – Policyholders that allow their car insurance company to study driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you better rates if you take out auto and life insurance together.
- Accident Forgiveness Coverage – This one is not really a discount per se, but companies like GEICO and Allstate will turn a blind eye to one accident without getting socked with a rate hike if you have no claims for a certain period of time.
- More Vehicles More Savings – Buying coverage for multiple cars with the same car insurance company could earn a price break for each car.
- Good Grades Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
- 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for reduced rates.
- Membership in Organizations – Affiliation with certain professional organizations can get you a small discount on your policy.
A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.
The illustration below shows the comparison of Subaru Forester car insurance costs with and without discounts applied to the rates. The information is based on a female driver, no claims or driving citations, California 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 claim-free, multi-car, safe-driver, marriage, homeowner, and multi-policy discounts applied.
To find companies who offer online Subaru Forester insurance quotes in California, follow this link.
Just remember that comparing more quotes will enable you to find better pricing. Not every company does Riverside Forester insurance quotes online, so it’s important to also get price quotes from those companies as well.
The companies in the list below are our best choices to provide quotes in California. If more than one company is shown, we recommend you visit several of them in order to find the cheapest rates.
Coverage statistics and figures
The coverage table shown below outlines a range of coverage costs for Subaru Forester models. Having knowledge of how car insurance premiums are formulated can be valuable when making decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$420||$790||$454||$26||$136||$1,826||$152|
|Forester X Premium AWD||$420||$790||$454||$26||$136||$1,826||$152|
|Forester X Premium AWP AWD||$420||$790||$454||$26||$136||$1,826||$152|
|Forester X Limited Edition AWD||$468||$790||$454||$26||$136||$1,874||$156|
|Forester X Limited Edition W/Navigation AWD||$468||$930||$454||$26||$136||$2,014||$168|
|Forester XT AWD||$468||$930||$454||$26||$136||$2,014||$168|
|Forester XT Limited Edition AWD||$468||$930||$454||$26||$136||$2,014||$168|
|Forester XT Limited Edition W/Navigation AWD||$468||$930||$454||$26||$136||$2,014||$168|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices considerably.
Compare rates but buy from a neighborhood Riverside auto insurance agent
Many drivers just prefer to sit down and talk to an agent and that is OK! A good thing about comparing insurance prices online is you may find lower rates and still have a local agent.
To make it easy to find an agent, after completing this short form, your insurance coverage information gets sent to agents in your area who can give free rate quotes for your insurance coverage. There is no need to do any legwork as quotes are delivered immediately to your email address. It’s the lowest rates without the usual hassles of price shopping. If you wish to quote rates from a specific company, you just need to go to their quote page to submit a rate quote request.
Picking an company should depend on more than just the price. The answers to these questions are important, too.
- Do they see any coverage gaps in your plan?
- Will they take your side in the event of a claim?
- When do they do policy reviews?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they receive special compensation for putting your coverage with one company over another?
When searching for a reputable agency, there are a couple of different types of agencies that differ in how they can insure your vehicles. Riverside agents are classified as either independent or exclusive depending on the company they work for.
These type of agents can only quote rates from one company and some examples include Farmers Insurance, State Farm, or Allstate. They usually cannot provide other company’s prices so keep that in mind. Exclusive agents are well schooled on their company’s products which can be an advantage.
Listed below are exclusive agencies in Riverside who may provide you with rate quotes.
Independent Agents (or Brokers)
Independent agents often have many company appointments and that is an advantage because they can write policies through lots of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and the insured can keep the same agent. If you are trying to find cheaper rates, it’s a good idea to include several independent agencies so that you can do a thorough price comparison.
Below are Riverside independent agencies that are able to give rate quotes.
TNT Only 1 Insurance Agency
19510 Van Buren Boulevard – Riverside, CA 92508 – (888) 610-8865 – View Map
Quote more to save more
We’ve covered some good ideas how to reduce Subaru Forester insurance prices online in Riverside. The key thing to remember is the more companies you get rates for, the higher your chance of finding affordable Subaru Forester insurance quotes. Consumers may even find the biggest savings come from some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.
As you restructure your insurance plan, you should never buy less coverage just to save a little money. There have been many cases where consumers will sacrifice physical damage coverage to discover at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage at the lowest possible cost, not the least amount of coverage.
Low-cost Subaru Forester insurance in Riverside can be bought both online and with local Riverside insurance agents, so get free Riverside car insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers do not offer the ability to get a quote online and most of the time these regional insurance providers work with independent insurance agencies.
More tips and info about auto insurance can be found by following these links:
- Comprehensive Coverage (Liberty Mutual)
- Who Has Cheap Riverside Car Insurance Quotes for Teenagers? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)