How Much is Insurance for a Subaru Forester in Montana?

Because the topic is auto insurance, the word cheap really should not be used anywhere in the article as a descriptor for car insurance rates. Notwithstanding, cheap auto insurance for a Subaru Forester is pretty hard to find. Don’t let that spoil your day, because we are going to show you how you can still find and buy car insurance that works with your budget.

Your chances of finding cheaper car insurance for a Subaru Forester in Montana depends on lots of different factors such as how many miles you drive each year, whether you have good credit, and if you had any at-fault accidents in the last few years. Drivers in Montana on average pay around $2,260 each year to buy Subaru Forester insurance, but that price is an approximation that uses rate data for a 30-year-old single male driver who requires full comprehensive and collision coverage and $100 deductibles.

There is a good possibility you may not be 30 years old (or even male), maybe you are married instead of single, or maybe you want more liability coverage than is required by law in Montana. Having even a minor difference in price quote data could end up with a large change in the price of coverage.

There is no one cookie-cutter policy that works for everyone, so the best way to quote cheap auto insurance rates for your Subaru is to do the rate comparisons yourself.

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Your Subaru’s trim level will have an impact the cost of insurance, so the price you pay to insure a Forester X AWD trim level will be $234 less than the cost to insure the higher-priced Forester XT Limited Edition W/Navigation AWD version, as shown by the rates below.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in vehicle garaging location which can revise prices considerably.

Finding out which companies quote the most affordable auto insurance rates for a Subaru Forester may require a little more sweat than just getting one or two price quotes.

Each auto insurer uses their own method to determine premium rates, so we will examine the most competitive auto insurance companies in Montana. It’s a good idea to know that Montana auto insurance rates are impacted by many things that will increase or decrease the cost of a policy. Improving your credit rating, marrying your spouse, or getting a ticket for running a stop sign can trigger price changes resulting in some rates now being cheaper than competitors.

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Safeco quotes some of the most affordable car insurance rates in Montana at around $853 each year. Progressive, USAA, State Farm, and MetLife also are some of the more affordable Montana auto insurance companies.

In the above rates, if you currently buy coverage from State Farm and switched to Progressive, you might see an annual premium reduction of approxmiately $160. Montana drivers with MetLife might save as much as $198 a year, and National Farmers Union customers might reduce rates by $262 a year.

Be aware that those estimates are averaged across all drivers and vehicles in Montana and are not factoring in a specific rating modification for a Subaru Forester. So the auto insurance company that can offer you the best rate may not even be included in the above list. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

How accidents and violations affect rates

The recommended way to maintain affordable auto insurance prices in Montana for a Forester is to be a good driver and avoid at-fault accidents and violations. The illustration below demonstrates how citations and at-fault claims influence auto insurance rates for each age group. The rates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

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In the example above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $3,633. Factor in two speeding tickets and the average cost surges to $4,911, an increase of $1,279 each year. Then include one accident along with the two speeding tickets and the yearly cost of auto insurance for a Subaru Forester goes up to an average of $6,153. That’s an increase of $2,520, or $210 per month, just for being a less-than-perfect driver!

How to find cheap insurance for a Subaru Forester in Montana

The list below summarizes many money-saving ideas that can help Montana drivers quote lower-cost coverage.

• Raise deductibles
• Buy your auto and home insurance from the same company and save
• Safe vehicles generally have lower rates
• Save money by only buying liability coverage for older vehicles
• Good credit scores may lower your rates
• Avoid price increases by not filing claims
• Comparison shop frequently

The last idea is notably necessary, as was stressed in this write-up. Coverage prices can be changed at any time, so don’t be afraid to switch carriers if a lower-cost policy is available.

Having brand loyalty is commendable, but it’s not a great idea if that inflexibility results in costing you thousands of dollars over several years. If you have a few minutes, now is a great time to compare prices and find cheaper auto insurance for a Subaru Forester.