Cheapest Rates for Subaru Forester Insurance in Plano

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Insurance quote for Subaru Forester in PlanoLocating better insurance prices for a new or used Subaru Forester in Texas can be an all-consuming task, but you can use our auto insurance buying tips to find lower rates.

There is a better way to compare auto insurance rates so you're going to learn the absolute fastest way to get price quotes for your Subaru and locate the best price possible from Plano insurance agents and online providers.

Consumers need to quote other rates as often as possible since rates are variable and change quite frequently. If you had the lowest rate on Subaru Forester insurance in Plano at your last renewal you can probably find a better price now. You'll find quite a bit of inaccurate information about Forester insurance online, but by reading this article, you're going to learn some of the best ways to find cheap auto insurance in Plano.

Obtaining price quotes for the cheapest policy in Plano is not as hard as you think. If you're already insured or just want a better rate, you can follow these tips to find better prices without reducing protection. You just need to use the quickest way to compare rate quotes on the web.

Cutting your Plano insurance rates is not a difficult process. The only thing you need to do is spend a few minutes comparing free Plano auto insurance quotes from some recommended companies.

The companies in the list below have been selected to offer free quotes in Plano, TX. In order to find cheap car insurance in TX, we recommend you click on several of them to get a more complete price comparison.

Rates and detailed analysis

The coverage information shown below showcases estimates of coverage costs for Subaru Forester models. Understanding how insurance quotes are established can assist in making smart choices when buying a policy.

Subaru Forester Insurance Rates in Plano, TX
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 based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific Plano garaging location which can decrease or increase premium rates greatly.

Physical damage deductible comparison

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The premium rates below may help to illustrate the rate difference between high and low deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Subaru Forester insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $332 $496 $324 $20 $96 $1,293 $108
Forester X Premium AWD $332 $496 $324 $20 $96 $1,293 $108
Forester X Premium AWP AWD $332 $496 $324 $20 $96 $1,293 $108
Forester X Limited Edition AWD $370 $496 $324 $20 $96 $1,331 $111
Forester X Limited Edition W/Navigation AWD $370 $584 $324 $20 $96 $1,419 $118
Forester XT AWD $370 $584 $324 $20 $96 $1,419 $118
Forester XT Limited Edition AWD $370 $584 $324 $20 $96 $1,419 $118
Forester XT Limited Edition W/Navigation AWD $370 $584 $324 $20 $96 $1,419 $118
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Subaru Forester insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $206 $312 $324 $20 $96 $958 $80
Forester X Premium AWD $206 $312 $324 $20 $96 $958 $80
Forester X Premium AWP AWD $206 $312 $324 $20 $96 $958 $80
Forester X Limited Edition AWD $228 $312 $324 $20 $96 $980 $82
Forester X Limited Edition W/Navigation AWD $228 $368 $324 $20 $96 $1,036 $86
Forester XT AWD $228 $368 $324 $20 $96 $1,036 $86
Forester XT Limited Edition AWD $228 $368 $324 $20 $96 $1,036 $86
Forester XT Limited Edition W/Navigation AWD $228 $368 $324 $20 $96 $1,036 $86
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can decrease or increase coverage prices considerably.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $30 more each month or $360 a year 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 have at a minimum 25 months between claim filings, you would probably save some money if you choose the higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $113
Average monthly premium for $1,000 deductibles (subtract): - $83
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One thing to note is that raising deductibles results in more money out-of-pocket if you have a claim. You need to have some savings in the bank in the event you need to pay the higher deductible.

The example below illustrates how your choice of deductibles and can impact Subaru Forester premium costs for different age groups of insureds. The data is based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Yearly auto insurance costs for men versus women

The chart below shows the comparison of Subaru Forester insurance costs for male and female drivers. The costs are based on no claims, a clean driving record, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Why Smart Consumers Pay Less for Subaru Forester Insurance

Lots of factors are used when you get a price on insurance. Some are pretty understandable such as your driving history, but other criteria are more transparent like your continuous coverage or your vehicle rating.

Annual miles is a factor - The more you drive every year the higher the price you pay to insure it. Almost all companies charge to insure your cars partially by how you use the vehicle. Cars and trucks that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Forester is just wasting money. It's a smart idea to ensure your auto insurance coverage is showing annual mileage, because improper ratings can cost you money.

Responsible drivers pay better prices - A bad driving record has a huge affect on how much you pay. Drivers who don't get tickets get better rates than people who have multiple driving citations. Just one moving violation can boost insurance rates by as much as thirty percent. Drivers who get careless violations such as reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 or proof of financial responsibility with their state's licensing department in order to legally drive a vehicle.

The diagram below highlights how speeding tickets and at-fault fender-benders drive up Subaru Forester insurance prices for different age groups. The premium estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Discounts for auto and home policies - The majority of insurance companies will award lower prices to clients who carry more than one policy in the form of a multi-policy discount. The amount of the discounts can be ten percent or more. Even if you already get this discount, consumers should still compare other company rates to help ensure you have the lowest rates. You may still save even more than the discount by buying insurance from more than one company.

Premiums are high for teenagers - Beginning drivers in Texas tend to be more careless with other occupants in the car therefore auto insurance rates are much higher. Older insureds are shown to be more cautious, tend to file fewer claims, and receive fewer citations.

The following data uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Loss probability for a Subaru Forester - Insurance companies factor in historical loss data to help calculate a profitable premium price. Models that the data shows to have a trend towards higher claim severity or frequency will have higher rates. The information below illustrates the historical insurance loss data for Subaru Forester vehicles.

For each policy coverage type, the loss probability for all vehicles compiled together is a value of 100. Numbers under 100 suggest a better than average loss history, while values over 100 point to more frequent losses or a tendency for losses to be larger than average.

Insurance Loss Ratings for Subaru Forester Vehicles
Specific Subaru 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
BETTER
AVERAGE
WORSE

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

Choosing the best Forester insurance in Texas is an important decision

Despite the high cost of buying insurance for a Subaru Forester in Plano, paying for auto insurance is mandatory in Texas but it also protects more than you think.

  • The majority of states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability protection in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your vehicle, it's most likely the lender will require that you buy insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Subaru at a more expensive rate and require you to pay much more than you were paying before.
  • Auto insurance preserves not only your Subaru Forester but also your assets. It will also provide coverage for all forms of medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of having auto insurance outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is overpaying over $865 each year so it's recommended you shop around each time the policy renews to ensure rates are inline.

How to find a good Plano auto insurance company

Selecting a highly-rated insurance provider is difficult considering how many choices there are in Plano. The company ratings in the next section could help you analyze which companies to look at shopping prices with.

Top 10 Plano Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive