Best Cheap Insurance for a Subaru Forester in Rhode Island

Your odds of finding the cheapest car insurance for a Subaru Forester in Rhode Island depends on a lot of rating factors such as whether you are single or married, whether or not you have prior claims, and deductible levels for physical damage coverage. Drivers pay on average $940 a year for Forester insurance, but that rate is an approximation using rating data for a 30-year-old married female driver who needs full coverage including both comprehensive and collision and $1,000 deductibles.

But there is a good chance that you’re not a 30-year-old female, maybe you are single instead of married, or maybe your Forester doesn’t need full coverage. Each driver has unique rating factors, so the best method for finding cheap insurance prices for your Subaru is to do a thorough rate comparison. To cut your rates now, get a free quote and you will be able to see rates from the best companies that offer coverage in Rhode Island.

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Vehicle trim level tends to impact the cost of insurance, so the rate you will pay to insure a Forester X AWD trim level will be $82 less expensive the cost to insure the high end Forester XT Limited Edition W/Navigation AWD version, as shown in the chart below.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can revise auto insurance rates significantly.

Determining which company quotes the most affordable auto insurance rates for a Subaru Forester will require more work than just picking a company at random. Every insurance company has a unique formula to establish rates, so let’s rank the auto insurance companies that tend to have lower prices in Rhode Island.

We do need to point out that Rhode Island auto insurance rates are determined by lots of factors which can substantially change the cost of your policy. Simply turning a year older, moving to a different location, or getting a few speeding tickets can produce rate changes that may make certain companies more affordable than others.

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USAA offers some of the cheapest car insurance rates in Rhode Island at around $726 a year. State Farm, Travelers, Progressive, and Amica also are some of the cheaper Rhode Island auto insurance companies.

As depicted above, if you currently have a policy with Travelers and switched to USAA, you may realize a yearly savings of approxmiately $483. Customers with Progressive might save as much as $758 a year, and Amica customers might lower prices by up to $771 a year.

If you want to see how much you could save, click here to start your free quote or feel free to get quotes from the companies below.

Understand that those estimates are averaged for all types of insureds and vehicles and are not factoring in a specific rate value for a Subaru Forester. So the company that can offer you the best price may not even be featured in the list of companies shown earlier. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Full coverage rates compared to liability-only

Finding the best cheap insurance for a Subaru Forester in Rhode Island should be important to most people, and one common way to save on the cost of insurance is to only buy liability coverage. The information below illustrates the comparison of insurance prices with and without physical damage coverage. The rates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.

As an overall average, physical damage coverage costs $2,640 per year more than buying just liability insurance. Lot’s of drivers question if full coverage is worth the money. There isn’t a written rule to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your vehicle’s book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after paying the physical damage deductible. If you are paying over $800 a year to have full coverage, then it might be time to buy liability only.

Discounts on Rhode Island insurance rates

Insurers that provide the best cheap insurance for a Subaru Forester in Rhode Island may also give you discounts that could potentially reduce rates by as much as 40% or more if you can meet the requirements. Popular auto insurance companies and some of the premium reductions they offer are shown below.

• Farmers Insurance may have discounts that include distant student, pay in full, youthful driver, homeowner, teen driver, multi-car, and electronic funds transfer.
• State Farm offers discounts for defensive driving training, Drive Safe & Save, good driver, accident-free, passive restraint, and multiple autos.
• Liberty Mutual offers discounts including multi-policy, multi-car, exclusive group savings, newly retired, new move discount, and teen driver discount.
• MetLife discounts include claim-free, accident-free, multi-policy, defensive driver, good driver, good student
• Progressive has savings for online signing, homeowner, online quote discount, continuous coverage, good student, and multi-policy.

The information below shows the comparison of insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, no tickets, no at-fault accidents, Rhode Island state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, marriage, safe-driver, vehicle safety, claim-free, and homeowner discounts applied. When drivers take advantage of discounts, the the amount saved on auto insurance for a Subaru Forester is 28% or $558.

Company comparison: State Farm vs Allstate vs Progressive vs Geico

If you’re looking for the cheapest auto insurance, four good companies to start with are State Farm, Allstate, Progressive, and Geico. The data below compares and contrasts ratings and policy coverage options that are available for policyholders.