Cheap Insurance for a Subaru Forester in Maryland

The chances of finding the cheapest coverage for a Subaru Forester in Maryland is contingent on a complicated rating formula that uses factors such as how old you are, what you do for a living, and your choice of deductibles. Drivers in Maryland on average will pay $1,390 every 12 months to insure a Forester, but that policy rate is an estimation based on rates for a 30-year-old married female that included comprehensive and collision coverage and $100 policy deductibles.

There’s a high likelihood you are not 30 years old and maybe not even female, possibly single instead of married, and there is a good chance that there are other drivers on your policy. This shows why your best shot at finding cheap car insurance rates for your Subaru is to just compare rates yourself. To cut your rates now, get a free quote and you will get price quotes from some of the most affordable companies around.

Find Cheaper Subaru Forester Insurance

The trim level of your vehicle impacts the insurance rate, so the cost to insure a Forester X AWD will be $154 lower than the cost to insure the more costly Forester XT Limited Edition W/Navigation AWD model, as demonstrated by the prices below.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in Maryland location which can increase or decrease insurance rates considerably.

Buying cheap auto insurance is tough enough, and finding out which companies have the cheapest auto insurance rates for a Subaru Forester involves even more perseverance. Every insurance provider has a unique approach to determine rates, so let’s take a look at the lowest cost auto insurance companies in Maryland.

Keep in mind that Maryland auto insurance rates are impacted by many things that will increase or decrease the policy premium. Improving your financial situation, moving across town, or getting a couple of tickets can cause premium changes that can cause some rates to be much higher than others.

Best Insurance Companies for Your Subaru

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USAA quotes some of the most affordable car insurance rates in Maryland at around $958 each year. Liberty Mutual, Erie, Penn National, and State Auto are also some of the cheaper Maryland auto insurance companies.

In the above example, if you are a policyholder with Erie and switched to USAA, you may see yearly savings of in the neighborhood of $169. Maryland drivers with Penn National may save as much as $179 a year, and State Auto policyholders might lower prices by $220 a year.

It’s important to note that these premiums are averaged across all drivers and vehicles and do not take into consideration a specific rating modification for a Subaru Forester. So the insurer that can offer the best rates for your situation may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own driver data and vehicle information.

Tickets and at-fault accidents raise rates

The obvious way to obtain the cheapest auto insurance prices in Maryland for a Forester is to drive safely and avoid accidents and keep your driving record clean. The information below demonstrates how citations and fender-benders can impact insurance rates for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

The data charted above shows the average cost of a car insurance policy in Maryland per year with a clean driving record and no accidents is $2,251. Receive one speeding ticket and the average cost rises to $2,612, an increase of $361 each year. Now get one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Subaru Forester goes up to an average of $3,645. That’s an increase of $1,394, or $116 per month, just for not driving safely!

Cheapest Subaru Forester insurance quotes

Drivers have a lot of different ways to shop for and buy auto insurance in Maryland, but the most common methods are using a captive (or exclusive) agent such as Allstate or State Farm, an independent agent, or buying direct from a company like Geico or Progressive.

Each way has the same basic process, but they are slightly different in how they provide price quotes.

Independent agents are appointed by several companies and can get rate quotes from all of them. These types of agents are not employed by one specific company and can quote rates with many companies, which can help you get the best idea of how your rates compare. If a cheaper price is found, your policy can be moved and you do not have to find a new agent.

An agent who is captive is only able to place business with one company, two popular examples being Farmers Insurance or State Farm agents. These agents normally cannot give you multiple price quotes, which requires you to shop around.

The last way is buying direct, which means you skip the middleman (the agent) and instead shop from a direct company like Geico or Progressive. Buying auto insurance direct is a good choice for drivers who do not need complex risk management and have a good understanding of the limitations of their policy.

Out of those three methods, which one works best for finding cheap insurance for a Subaru Forester in Maryland? We would first guess that buying direct results in the cheapest rates since there is no need to pay agent commissions, but unfortunately, it’s not that simple. It could also be said going through an independent agent is the best way since they can quote with many companies, but that is not accurate either. And sometimes, exclusive agents may have prices that are the lowest in Maryland.

Since auto insurance rates vary so much, the only real way to not overpay for auto insurance is to get quotes and compare the rates. Take some time and get price quotes all three ways to get an idea of which is cheapest. For a list of auto insurance companies with low rates, click here to view.

How to find cheaper insurance for a Subaru Forester

The list below shows some of the better thrifty solutions that can help you find the cheapest coverage.

• Raise your physical damage coverage deductibles
• Avoid at-fault accidents and claims
• Save money by insuring your home and auto with the same company
• Good credit can help you save money
• If possible, do not file small claims
• Do not get traffic citations
• Compare rates regularly and switch companies to save money

The last tip in the list is certainly valuable, as was emphasized in the article above. Prices charged by car insurance companies can change considerably in a year, so don’t be afraid to switch companies if a lower-cost policy is available.

Brand loyalty is great, but it isn’t a good idea if that dedication is costing lots of money. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for a Subaru Forester.