How Much Does Insurance Cost for a Subaru Forester in Alaska?

Our editors have a joke that when writing about car insurance, the words “affordable” or “cheap” really shouldn’t be used as a descriptor for car insurance rates. It’s just reality that cheap auto insurance for a Subaru Forester can be hard, if not impossible, to find. But don’t despair, because we are going to show you how you can quote and buy car insurance that you can afford.

The likelihood of finding the cheapest coverage for a Subaru Forester in Alaska hinges on a complex formula that factors things such as driver age, your occupation, and any past driving violations you may have had. Drivers on average will pay $920 every 12 months to insure a Forester, but that is a projection that rates a 30-year-old single female driver who purchased comprehensive and collision coverage and $500 policy deductibles.

There is a high probability that you are not a 30-year-old female, possibly married instead of single, or maybe your Forester doesn’t need full coverage. Auto insurance is not the same for everyone, so the way we recommend to find affordable rates for your Subaru is to just take the time to compare rates yourself.

Find Cheaper Subaru Forester Insurance

Your Subaru’s trim level tends to impact the coverage cost, so the price you pay to insure a Forester X AWD model will be $86 less expensive the insurance cost for the more expensive Forester XT Limited Edition W/Navigation AWD model, as shown below.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific zip code location which can increase or decrease coverage prices greatly.

Comparing quotes for cost effective insurance is challenging, and finding out which insurers offer the cheapest car insurance rates for a Subaru Forester will involve even more perseverance.

Every auto insurer has their own unique process to establish rates, so let’s begin by examining the car insurance companies with the overall best prices in Alaska. It’s important that readers know that Alaska car insurance rates are based on many factors which can substantially decrease or increase the price of your policy. Simply having another birthday, adding a teenager to your policy, or getting into an accident can trigger rate changes resulting in some rates now being cheaper than before.

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Umialik may have some of the lowest car insurance rates in Alaska at around $901 annually. USAA, State Farm, Progressive, and GEICO also make the cut as some of the cheaper Alaska insurance companies.

As illustrated above, if you currently have a policy with USAA and switched to Umialik, you might realize a yearly price reduction of around $56. Drivers with State Farm may save as much as $64 a year, and Progressive insureds might see rate reductions of $309 a year.

Understand that those estimates are averages across all ages of drivers and types of vehicles and and are not calculated with a specific rate value for a Subaru Forester. So the car insurance company that can offer you the lowest price may not even be featured in the list of companies above. That helps illustrate why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The chart below shows how choosing a deductible can change insurance rates when quoting cheap insurance for a Subaru Forester. The rates are based on a married female driver, comp and collision included, and no policy discounts are applied.

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The data above shows that a 50-year-old driver could lower rates by $268 a year by switching from a $100 deductible up to a $500 deductible, or save $404 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old category, can save up to $666 or even more by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Discounts on cheap insurance for a Subaru Forester in Alaska

Insurers that provide coverage for a Subaru Forester could also offer price discounts that may potentially lower prices by 40% or more if you qualify. The best car insurance companies and some of their more popular discounts are shown below.

The example below shows the comparison of yearly insurance costs with and without discounts. The premiums assume a female driver, no accidents, no driving violations, Alaska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, safe-driver, defensive driving course, accident-free, claim-free, and homeowner discounts applied. When drivers take advantage of discounts, the the amount saved on car insurance for a Subaru Forester is 15% or $233.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2459,1775],[‘Age 30’, 1733,1263],[‘Age 40’, 1599,1165],[‘Age 50’, 1399,1023],[‘Age 60’, 1351,985],[‘Age 70’, 1559,1127]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Subaru Forester’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Forester’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to find more affordable insurance for a Subaru Forester

It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help drivers buy lower-cost auto insurance.

• Improve your credit score
• Too many claims can make car insurance unaffordable
• Choose a safer vehicle and pay lower rates
• Do not get into accidents
• Do not get traffic citations
• Compare rate quotes frequently

That last piece of advice is extremely valuable, as we stressed in the article above. Prices change frequently, so drivers shouldn’t hesitate to switch carriers if a more affordable price is available. Many drivers prefer to stick with one company, but it’s not recommended if that stubbornness costs you a small fortune year after year. In just a few minutes you could compare prices to find cheaper car insurance for a Subaru Forester.

Geico, State Farm, Allstate, and Progressive: Who is best?

When buying insurance for a Forester, four companies to consider are Geico, State Farm, Allstate, and Progressive. Between them, they insure almost half of the entire U.S. market share. All offer your standard physical damage and liability coverages, but each one has a slightly different mix of options and features that you can choose from. The following table breaks down price and claims rank as well as some different options that are available for customers.