Auto Insurance Rates for a Subaru Forester in San Antonio

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Subaru Forester insurance policy
Subaru Forester insurance policy image courtesy of QuoteInspector.com

Insurance for Subaru ForesterDo you want to learn how to find cheaper auto insurance rates in San Antonio, TX? San Antonio buyers have options when searching for the best price on Subaru Forester insurance. You can either spend your time calling around getting price quotes or leverage the internet to compare rates. There are more efficient ways to compare auto insurance rates so we're going to tell you the proper way to price shop coverage on a Subaru and get the lowest possible price from both online companies and San Antonio agents.

Buying the cheapest insurance in San Antonio is quite easy. If you are already insured, you will surely be able to cut your premiums using these techniques. Comparison shoppers just have to understand how to compare rates from many different companies online.

Lowering your Subaru Forester auto insurance rates can be relatively painless. Just take time getting comparison quotes to see which company has cheaper San Antonio auto insurance quotes.

The companies in the list below offer price quotes in San Antonio, TX. If multiple companies are shown, we suggest you get rates from several of them to get the best price comparison.

Car insurance does more than just repair your car

Despite the high cost of buying insurance for a Subaru Forester in San Antonio, insuring your vehicle serves several important purposes.

  • Almost all states have compulsory liability insurance requirements which means the state requires a specific level of liability coverage if you drive a vehicle. 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 bought your Subaru with a loan, it's most likely the lender will make it a condition of the loan that you have full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may insure your Subaru at a more expensive rate and require you to fork over for the expensive policy.
  • Insurance protects both your assets and your vehicle. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your car insurance policy will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. Despite what companies tell you, the average driver is overpaying more than $855 a year so compare quotes from several companies at least once a year to save money.

Subaru Forester coverage analysis

The coverage information below highlights estimates of policy rates for Subaru Forester models. Learning a little about how insurance quotes are formulated can assist in making informed decisions when comparing rates.

Subaru Forester Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $270 $400 $324 $20 $96 $1,110 $93
Forester X Premium AWD $270 $400 $324 $20 $96 $1,110 $93
Forester X Premium AWP AWD $270 $400 $324 $20 $96 $1,110 $93
Forester X Limited Edition AWD $300 $400 $324 $20 $96 $1,140 $95
Forester X Limited Edition W/Navigation AWD $300 $472 $324 $20 $96 $1,212 $101
Forester XT AWD $300 $472 $324 $20 $96 $1,212 $101
Forester XT Limited Edition AWD $300 $472 $324 $20 $96 $1,212 $101
Forester XT Limited Edition W/Navigation AWD $300 $472 $324 $20 $96 $1,212 $101
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in specific location which can alter premium rates significantly.

How high should deductibles be?

A question often asked by San Antonio drivers is which deductible level should you buy. The rates below highlight the costs and benefits of buying low and high insurance deductibles. The first rate quote example uses a $250 deductible and the second price table uses a $500 deductible.

Subaru Forester insurance 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
Get Your Own Custom Quote Go
Subaru Forester insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $270 $400 $324 $20 $96 $1,110 $93
Forester X Premium AWD $270 $400 $324 $20 $96 $1,110 $93
Forester X Premium AWP AWD $270 $400 $324 $20 $96 $1,110 $93
Forester X Limited Edition AWD $300 $400 $324 $20 $96 $1,140 $95
Forester X Limited Edition W/Navigation AWD $300 $472 $324 $20 $96 $1,212 $101
Forester XT AWD $300 $472 $324 $20 $96 $1,212 $101
Forester XT Limited Edition AWD $300 $472 $324 $20 $96 $1,212 $101
Forester XT Limited Edition W/Navigation AWD $300 $472 $324 $20 $96 $1,212 $101
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates noticeably.

We can derive from the above data that using a $250 deductible would cost the average driver about $16 more each month or $192 each year than selecting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 16 months between claims, you would come out ahead if you opt for a higher deductible.

The chart below illustrates how choosing a deductible and can increase or decrease Subaru Forester insurance costs for different age groups. The premiums assume a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Do you need full coverage?

The diagram below compares Subaru Forester car insurance rates with full coverage and liability only. The premiums assume no violations or accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

When to stop paying for full coverage

There is no written rule to stop buying physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let's assume your Subaru Forester claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying your policy deductible. If you are currently paying more than $800 annually for full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Companies offer lots of discounts on Subaru Forester insurance in San Antonio

Car insurance can cost a lot, but you can get discounts that many people don't even know exist. Many of these discounts will be applied automatically at the time you complete a quote, but occasionally some discounts must be specially asked for before you will receive the discount. If you are not receiving all the discounts possible, you're paying more than you need to.Save money with discounts

  • Good Driver Discount - Drivers who don't get into accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
  • Onboard Data Collection - Insureds who allow data collection to analyze where and when they drive by using a telematics device like In-Drive from State Farm and Progressive's Snapshot might get better premium rates if their driving habits are good.
  • Federal Government Employee - Having worked for a branch of the government could cut as much as 10% off with select insurance companies.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Multiple Vehicles - Insuring more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives - Requiring all passengers to use their safety belts can save 10% or more on medical payment and PIP coverage.

Remember that most credits do not apply to the whole policy. A few only apply to individual premiums such as medical payments or collision. So when the math indicates you can get free auto insurance, companies don't profit that way.

The example below shows the difference between Subaru Forester car insurance costs with and without discounts. The rates are based on a male driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, safe-driver, homeowner, and claim-free discounts applied.

A list of companies and some of the premium reductions they offer are:

  • Farm Bureau offers premium reductions for 55 and retired, driver training, youthful driver, good student, multi-vehicle, and safe driver.
  • Liberty Mutual policyholders can earn discounts including exclusive group savings, new move discount, good student, teen driver discount, new graduate, and newly married.
  • State Farm may have discounts that include good student, multiple policy, Drive Safe & Save, driver's education, and anti-theft.
  • Auto-Owners Insurance has discounts for paperless, air bags, anti-lock brakes, company car, good student, mature driver, and group or association.
  • GEICO may offer discounts for federal employee, good student, five-year accident-free, air bags, multi-policy, seat belt use, and multi-vehicle.
  • SAFECO includes discounts for drive less, safe driver, accident prevention training, anti-lock brakes, teen safety rewards, multi-car, and anti-theft.

Before buying, ask all the companies the best way to save money. All car insurance discounts may not apply in every state. If you would like to see a list of insurers who offer auto insurance discounts in San Antonio, click here to view.