Subaru Forester insurance image courtesy of QuoteInspector.com
Are you researching low-cost Subaru Forester insurance in Santa Ana? Finding cheaper insurance for your Subaru Forester in California can be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to shop for auto insurance and we'll show you the proper way to quote coverages for a new or used Subaru and find the lowest possible price either online or from Santa Ana insurance agents.
It's a good idea to price shop coverage at least once a year because prices tend to go up over time. Even if you got the lowest quotes on Subaru Forester insurance in Santa Ana two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you're about to find out the easiest way to get good coverage on Subaru Forester insurance in Santa Ana at a lower rate.
Finding low cost auto insurance prices is not a difficult process. All you need to do is invest a little time to compare rates to find out which insurance company has inexpensive Santa Ana auto insurance quotes.
The companies in the list below offer free rate quotes in California. If multiple companies are shown, we recommend you visit as many as you can in order to get a fair rate comparison.
Discounts can help to save on Subaru Forester insurance in Santa Ana
Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not even be aware of. Certain credits will be shown when you get a quote, but occasionally some discounts must be inquired about in order for you to get them. If you are not receiving all the discounts you deserve, you could be getting lower rates.
- Safety Restraint Discount - Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
- Save over 55 - If you're over the age of 55, you are able to get a small decrease in premiums.
- Lower Rates for Military - Having an actively deployed family member may qualify for rate reductions.
- Discount for Multiple Policies - When you combine your homeowners and auto insurance with the same company you could get a discount of up to 20% and get you low cost Subaru Forester insurance.
- Telematics Data - Santa Ana drivers who agree to allow driving data submission to monitor where and when they drive by installing a telematics device such as Progressive's Snapshot could save a few bucks if they are good drivers.
- Theft Deterrent System - Vehicles that have factory anti-theft systems prevent vehicle theft and that can save you a little bit as well.
- Multi-car Discount - Insuring more than one vehicle with the same company can get a discount on all vehicles.
- Discounts for New Vehicles - Insuring a new Forester can save up to 30% because new model year vehicles have to meet stringent safety requirements.
- Discount for Life Insurance - Companies who offer life insurance give a small discount if you purchase auto and life insurance together.
Don't be surprised that many deductions do not apply to the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, nobody gets a free ride.
The diagram below illustrates the difference between Subaru Forester auto insurance rates with and without policy discounts. The data assumes a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, homeowner, claim-free, and multi-car discounts applied.
Large insurance companies and some of their more popular discounts can be found below.
- State Farm includes discounts for multiple autos, passive restraint, good driver, Steer Clear safe driver discount, safe vehicle, good student, and driver's education.
- GEICO offers discounts for anti-theft, seat belt use, five-year accident-free, membership and employees, good student, daytime running lights, and defensive driver.
- Progressive offers discounts including continuous coverage, multi-vehicle, homeowner, online quote discount, and online signing.
- 21st Century has discounts for automatic seat belts, theft prevention, defensive driver, early bird, air bags, and anti-lock brakes.
- American Family may offer discounts for bundled insurance, Steer into Savings, multi-vehicle, good student, accident-free, and good driver.
- The Hartford may have discounts that include good student, defensive driver, driver training, bundle, and air bag.
- AAA offers premium reductions for education and occupation, pay-in-full, good driver, multi-car, multi-policy, and good student.
Double check with every prospective company what discounts are available to you. All car insurance discounts might not be offered in Santa Ana. If you would like to see a list of insurers that offer multiple discounts in Santa Ana, click this link.
Rates and information analytics
The table displayed next outlines detailed analysis of insurance rates for Subaru Forester models. Learning more about how insurance premiums are calculated is important for you to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forester X AWD | $184 | $300 | $354 | $20 | $106 | $964 | $80 |
| Forester X Premium AWD | $184 | $300 | $354 | $20 | $106 | $964 | $80 |
| Forester X Premium AWP AWD | $184 | $300 | $354 | $20 | $106 | $964 | $80 |
| Forester X Limited Edition AWD | $204 | $300 | $354 | $20 | $106 | $984 | $82 |
| Forester X Limited Edition W/Navigation AWD | $204 | $354 | $354 | $20 | $106 | $1,038 | $87 |
| Forester XT AWD | $204 | $354 | $354 | $20 | $106 | $1,038 | $87 |
| Forester XT Limited Edition AWD | $204 | $354 | $354 | $20 | $106 | $1,038 | $87 |
| Forester XT Limited Edition W/Navigation AWD | $204 | $354 | $354 | $20 | $106 | $1,038 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in specific location which can increase or decrease premium rates greatly.
Deductible comparison
When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The figures shown below can help you understand how much more you'll pay between high and low insurance deductibles. The first data set uses a $100 deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forester X AWD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Forester X Premium AWD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Forester X Premium AWP AWD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Forester X Limited Edition AWD | $478 | $686 | $376 | $22 | $112 | $1,699 | $142 |
| Forester X Limited Edition W/Navigation AWD | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| Forester XT AWD | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| Forester XT Limited Edition AWD | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| Forester XT Limited Edition W/Navigation AWD | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forester X AWD | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Forester X Premium AWD | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Forester X Premium AWP AWD | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Forester X Limited Edition AWD | $266 | $362 | $376 | $22 | $112 | $1,138 | $95 |
| Forester X Limited Edition W/Navigation AWD | $266 | $426 | $376 | $22 | $112 | $1,202 | $100 |
| Forester XT AWD | $266 | $426 | $376 | $22 | $112 | $1,202 | $100 |
| Forester XT Limited Edition AWD | $266 | $426 | $376 | $22 | $112 | $1,202 | $100 |
| Forester XT Limited Edition W/Navigation AWD | $266 | $426 | $376 | $22 | $112 | $1,202 | $100 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in vehicle location which can modify coverage prices greatly.
We can derive from the above data that using a $100 deductible will cost you about $49 more each month or $588 annually averaged for all Forester models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 18 months between claim filings, you would more than likely save some money if you elect the higher deductible.
The example below demonstrates how deductibles and can raise or lower Subaru Forester insurance prices for different age groups. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Auto insurance rates are higher with tickets and accidents
The illustration below shows how speeding tickets and at-fault fender-benders can affect Subaru Forester auto insurance costs for each different age group. The prices are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
Subaru Forester insurance rates: Men versus women
The chart below illustrates the difference between Subaru Forester premium costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, marital status is single, and no policy discounts are applied.
Difference between liability only and full coverage rates
The diagram below illustrates the difference between Subaru Forester car insurance costs with and without full coverage. The price estimates are based on a clean driving record, no claims, $100 deductibles, drivers are single, and no other discounts are factored in.
When to stop buying full coverage
There is no set rule of when to phase out comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let's say your Subaru Forester replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after paying your policy deductible. If it's costing you more than $800 a year for physical damage coverage, then it could be time to drop full coverage.
There are some scenarios where dropping full coverage is not a good plan. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.
Auto insurance quotes from local Santa Ana insurance agencies
Some people prefer to visit with an insurance agent and that is a personal choice. Agents can make sure you are properly covered and give you someone to call. One of the benefits of comparing rates online is that you can find better rates and still have an agent to talk to.
By using this short form, your information is instantly submitted to local insurance agents who can give free rate quotes and help you find cheaper coverage. There is no reason to contact any insurance agencies as quotes are delivered directly to you. If you need to quote rates from a particular provider, you would need to search and find their rate quote page and give them your coverage information.
Picking an insurance company requires you to look at more than just the bottom line cost. Any agent in Santa Ana should have no problem answering these questions:
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are they actively involved in the community?
- Can you use your own choice of collision repair facility?
- Will the quote change when the policy is issued?
When finding a reputable insurance agent or broker, there are two types of agencies and how they operate. Auto insurance agencies can either be independent agents or exclusive agents. Both can handle auto insurance, but we need to point out how they are different because it may have an impact on which type of agent you select.
Exclusive Agencies
Agents in the exclusive channel can only provide pricing for a single company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to provide prices from multiple companies so keep that in mind. These agents receive a lot of sales training on their company's products which helps them sell insurance even at higher premiums. A lot of people use the same exclusive agent mostly because of the brand name rather than having low rates.
Shown below are exclusive insurance agents in Santa Ana that are able to give rate quotes.
- Farmers Insurance - Jose Garrido
705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814 - View Map - Allstate Insurance: Jorge Bendeck
3929 S Bristol St Ste 201 - Santa Ana, CA 92704 - (714) 832-3900 - View Map - Farmers Insurance - Rodolfo Guzman
1740 W Edinger Ave - Santa Ana, CA 92704 - (714) 556-5942 - View Map
Independent Insurance Agents
Independent agencies do not work for one specific company and that enables them to quote your coverage with lots of companies and help determine which has the cheapest rates. If they find a lower price, your policy is moved internally and you won't have to switch agencies. If you are comparing auto insurance prices, you should always include rate quotes from multiple independent agents to ensure the widest selection of prices. Most can insure with smaller regional carriers that may provide cheaper auto insurance rates.
Below is a list of independent insurance agents in Santa Ana willing to provide price quote information.
- Insurance Partners Inc
2107 N Broadway #108 - Santa Ana, CA 92706 - (714) 285-4800 - View Map - Nano Insurance Services
423 E First St - Santa Ana, CA 92701 - (714) 564-0398 - View Map - Santa Ana Insurance
1331 W 1st St #101 - Santa Ana, CA 92703 - (714) 953-9341 - View Map
Get Subaru Forester Insurance for Less
A large part of saving on auto insurance is knowing some of the factors that aid in calculating the rates you pay for auto insurance. If you have some idea of what influences your rates, this helps enable you to make changes that can earn you much lower annual insurance costs.
The following are a few of the things utilized by car insurance companies to help set rates.
Stay claim-free and lower auto insurance rates - If you tend to file frequent claims, you should expect increased rates or even have your policy non-renewed. Auto insurance companies in California provide cheaper rates to insureds who only file infrequent claims. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
Protect yourself with liability - Liability insurance will afford coverage if you are ruled to be at fault for damages caused by your negligence. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
More traffic means higher claims - Residing in smaller towns and rural areas of the country has definite advantages when buying auto insurance. Residents of big cities have to deal with more traffic problems and much longer commute distances. Fewer people means fewer accidents and lower theft and vandalism rates.
High performance vehicles cost more to insure - The make and model of the car you drive makes a big difference in your auto insurance rates. The lowest premiums are for small economy passenger vehicles, but your final cost has many other factors.
The data below is based on a single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Subaru Forester insurance rates compared to other models that have different performance risks.
Prevent auto insurance policy lapses - Not having insurance is a big no-no and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, not being able to provide proof of insurance may earn you a steep fine or even jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with the California DMV.
Loss statistics for a Subaru Forester - Car insurance companies include the past claim history for a vehicle when setting premium rates. Models that statistically have high amounts or severity of claims will have higher rates for specific coverages.
The data below shows the historical loss data for Subaru Forester vehicles. For each policy coverage type, the claim probability for all vehicles averaged together is equal to 100. Values that are below 100 suggest a better than average loss history, while numbers that are greater than 100 indicate higher probability of having a loss or an increased chance of a larger loss.
| Make and 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 |
Statistics from IIHS.org for 2013-2015 Model Years
Insurance is not optional but you don't have to overpay
Even though it can be expensive, paying for insurance is required in California but also provides important benefits.
First, just about all states have minimum mandated liability insurance limits which means the state requires specific limits of liability coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your car, most banks will have a requirement that you buy full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender will be forced to insure your Subaru at a more expensive rate and make you pay much more than you were paying before.
Third, insurance preserves both your assets and your vehicle. It will also cover medical expenses that are the result of an accident. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. As of last year, the average driver in California is overpaying more than $865 each year so compare rate quotes once a year at a minimum to ensure rates are competitive.
More quotes mean more car insurance savings
Budget-friendly car insurance in Santa Ana can be bought both online as well as from independent agents in Santa Ana, so you need to shop Santa Ana auto insurance with both to get a complete price analysis. Some car insurance companies may not have internet price quotes and usually these smaller providers work with local independent agents.
When getting Santa Ana auto insurance quotes online, do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your focus should be to buy enough coverage at the best price, but don't skip important coverages to save money.
We just covered a lot of information how to reduce Subaru Forester insurance prices online in Santa Ana. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheaper Santa Ana auto insurance quotes. You may even find the most savings is with a lesser-known regional company.
Steps to finding cheaper rates for Subaru Forester insurance in Santa Ana
The best way to get low-cost Subaru Forester insurance in Santa Ana is to make a habit of regularly comparing prices from different companies that sell auto insurance in California.
Step 1: Spend a few minutes and learn about the different coverages in a policy and the things you can change to drop your rates. Many policy risk factors that drive up the price such as distracted driving and a negative credit history can be remedied by making minor changes to your lifestyle.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide rate quotes for a wide range of insurance providers.
Step 3: Compare the price quotes to your current policy to see if a cheaper price is available. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
One important bit of advice is to compare similar coverage information on every price quote and to quote with as many companies as feasibly possible. Doing this provides a fair price comparison and and a good selection of different prices.
For more information, link through to the resources below:
- Senior Drivers (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for a Nissan Rogue in Santa Ana? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Hybrid Vehicles in Santa Ana? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Credit Impacts Car Insurance Rates (State Farm)