Subaru Forester insurance image courtesy of QuoteInspector.com
Buying the cheapest auto insurance for a Subaru Forester in New Jersey relies on a complicated rating formula that uses factors such as how many years you have been driving, your address, and if you have a history of accidents. Drivers in New Jersey pay approximately $1,685 per year for Forester insurance, but that is a valuation using a 40-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
There's a good chance you may not be 40 years old (or even male), maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Having even a minor difference in rating criteria or coverage limits can result in a big discrepancy in the cost of a policy.
Auto insurance is not the same for everyone, so the best method for finding cheap insurance prices for your Subaru is to compare as many rates as possible. It's really quite easy you can get rates from top-rated companies that insure vehicles in New Jersey.
The trim level of your vehicle can impact the cost of coverage, so the price you pay to insure a Forester X AWD will be $176 cheaper than the cost to insure the more expensive Forester XT Limited Edition W/Navigation AWD model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$410||$720||$494||$30||$148||$1,802||$150|
|Forester X Premium AWD||$410||$720||$494||$30||$148||$1,802||$150|
|Forester X Premium AWP AWD||$410||$720||$494||$30||$148||$1,802||$150|
|Forester X Limited Edition AWD||$458||$720||$494||$30||$148||$1,850||$154|
|Forester X Limited Edition W/Navigation AWD||$458||$848||$494||$30||$148||$1,978||$165|
|Forester XT AWD||$458||$848||$494||$30||$148||$1,978||$165|
|Forester XT Limited Edition AWD||$458||$848||$494||$30||$148||$1,978||$165|
|Forester XT Limited Edition W/Navigation AWD||$458||$848||$494||$30||$148||$1,978||$165|
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Table data does not factor in garaging location in Jersey City which can alter rates greatly.
Best insurance company in Jersey City
Selecting the best car insurance company is hard considering how many different insurance companies sell coverage in Jersey City. The company ratings shown next may help you analyze which coverage providers to look at when comparing rate quotes. These rankings include companies who write in the majority of U.S. states, so companies that focus mainly on New Jersey business are not factored into the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Jersey City auto insurance rates
Insurance providers that sell policies for a Subaru Forester could also offer rate discounts that may potentially lower prices by 25% or more if you are eligible. A list of insurance companies and their offered discounts are included below.
- Farm Bureau may have discounts that include driver training, multi-policy, multi-vehicle, 55 and retired, youthful driver, and good student.
- Liberty Mutual policyholders can earn discounts including multi-policy, good student, new move discount, exclusive group savings, multi-car, and new graduate.
- State Farm offers premium reductions for good student, multiple autos, Steer Clear safe driver discount, anti-theft, Drive Safe & Save, driver's education, and good driver.
- Auto-Owners Insurance may include discounts for anti-theft, company car, safe driver, student away at school, anti-lock brakes, and paperless.
- GEICO discounts include emergency military deployment, seat belt use, multi-policy, five-year accident-free, and defensive driver.
- SAFECO may offer discounts for teen safety rewards, safe driver, teen safe driver, homeowner, anti-lock brakes, accident prevention training, and drive less.
The information below illustrates the difference between insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or violations, New Jersey state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, multiple vehicle, claim-free, defensive driving course, vehicle safety, and multiple policy discounts applied. When discounts are factored in, the average savings per year on insurance for a Subaru Forester is 27% or $890.
The information below demonstrates how deductible levels can affect insurance prices when trying to find cheap insurance for a Subaru Forester. The price estimates are based on a single female driver, comp and collision included, and no additional discounts are factored in.
The data above shows that a 30-year-old driver could lower rates by $540 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $816 by changing to a $1,000 deductible. Youthful drivers, such as the Age 20 example, can cut $1,192 or even more by selecting a higher deductible.
If you do decide to increase your deductibles, it is essential to have emergency funds available to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
How to find economical car insurance for a Subaru Forester
Below you'll find some of the recommended penny-pinching suggestions that can help drivers quote low-cost auto insurance.
- Drive attentively and avoid accidents
- Claim-free drivers earn discounts
- Do not get tickets
- Vehicles with good safety ratings have lower liability rates
- Insure your home and auto with the same company
- Compare prices frequently to find the best deal
That final tip is incredibly critical, as we hit on in the prior information. Car insurance prices in Jersey City can be modified anytime, so you should be ready to change to a new company if you find a cheaper price. Having brand loyalty is commendable, but it's not recommended if that dedication is costing money that could be going to better use. Now is a great time to shop around to find cheaper auto insurance for a Subaru Forester.
If you wish to get some help when comparing insurance rates for a Forester, the agents listed below are a good start to help you decide which car insurance company is the best fit.
To locate an agency using an interactive map, click the link at the bottom.
- Arch Insurance
300 Exchange Pl - Jersey City, NJ 07311 - (201) 743-4000
- Sam's Insurance and Travel
3396 John F. Kennedy Blvd - Jersey City, NJ 07307 - (201) 659-6800
- Lou Schloss Agency Inc
31 River Ct - Jersey City, NJ 07310 - (201) 626-7589