Best Cheap Insurance Quotes for a Subaru Forester in Louisiana

Whether or not you can find affordable coverage for a Subaru Forester in Louisiana depends on a complex formula that factors things such as annual miles driven, your residence address, and any prior driving offenses you have. Louisiana drivers on average pay around $1,230 every 12 months for Forester insurance, but that cost is a ballpark figure based on rate data for a 50-year-old married female who requires both comprehensive and collision coverage and $250 physical damage deductibles.

There is a good possibility you are not 50 and possibly not even female, you might be single instead of married, and you possibly have other drivers on your policy that need factored in. Each driver has unique rating factors, so the best way to quote cheap insurance prices for your Subaru is to do your own rate comparisons. Quotes are free and easy and you will receive rate quotes from the best companies that sell coverage in Louisiana.

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The specific model of Forester impacts the cost of coverage, so the rate you will pay to insure a Forester X AWD will be $126 lower than the cost to insure the more costly Forester XT Limited Edition W/Navigation AWD model, as shown in the chart below.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in vehicle location which can change premiums noticeably.

Finding cost effective insurance is not the easiest thing to accomplish, and deciding which company offers the cheapest car insurance rates for a Subaru Forester will involve even more perseverance. Each insurer uses their own calculation for determining rates in each state, so let’s take a look at the overall cheapest car insurance companies in Louisiana.

Cheap Insurance Rates for Your Subaru

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USAA has some of the most affordable car insurance rates in Louisiana at around $1,626 per year. MetLife, GEICO, Progressive, and Safeway are also some of the cheaper Louisiana auto insurance companies.

In the above rates, if you currently have coverage with Progressive and switched to USAA, you might see savings of about $360. Customers with Safeway could save as much as $528 a year, and Southern Farm Bureau policyholders might lower prices by $555 a year.

It’s important to note that these policy rates are averaged across all drivers and vehicles and and are not calculated with a specific rate factor for a Subaru Forester. So the car insurance company that fits you best may not even be in the list above. That’s why you need to quote rates from many companies using your own personal information and vehicle type.

How careless driving impacts car insurance rates

The best way to find the most affordable car insurance rates for a Forester is to be a careful driver and avoid accidents and violations. The example below illustrates how traffic citations and at-fault collisions increase insurance costs for each age group. The information is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

The data above shows the average cost of auto insurance per year with no violations or accidents is $2,658. Add in two speeding tickets and the average cost surges to $3,582, an increase of $924 each year. Then add two accidents along with the two speeding tickets and the yearly cost of car insurance for a Subaru Forester jumps again to an average of $6,715. That’s an increase of $4,058, or $338 per month, just for not being a responsible driver!

Why you should shop around for Forester insurance

Louisiana car insurance rates are calculated based on many things that can increase the cost of a policy. Getting older, buying a different vehicle, or getting a couple of tickets can trigger rate changes that can make some companies more affordable than before.

And not only may your rating factors change, but auto insurance companies amend pricing without warning to reflect underwriting profits or losses. Higher than normal claims can result in increased rates, while a better loss history may produce lower-cost Forester insurance rates.

For example, the bar chart below shows the cheapest car insurance in Louisiana for a 30-year-old female driver with no accidents, a clean driving record, and good financial standing. Based on her current risk factors, USAA might offer the most affordable car insurance rates in Louisiana at $1,626 each year. This is $788 less than the average price paid by Louisiana drivers of $2,414. MetLife, Progressive, GEICO, and Southern Farm Bureau are the remainder of the best Louisiana auto insurance companies.

The chart below compares rates after we give the driver from the above example a couple of claims, a lower credit rating, and a few blemishes on her driving record. Since every car insurance company uses a different method for determining prices, analyzing rate quotes could result in a different set of affordable Louisiana car insurance companies as shown below.

California Casualty now has the cheapest price in Louisiana with State Farm, Safe Auto, MetLife, and USAA also being competitive. This example demonstrates why consumers need to compare lots of rates when trying to find the most economical insurance quotes for a Subaru Forester.

Rates consist of many things and can decrease or increase without notice, so the best price a year ago may now be one of the higher cost companies.

How to get the best cheap insurance for a Subaru Forester in Louisiana

The list below summarizes some of the better money-saving ideas that can help drivers find more affordable coverage.

• Accident-free drivers may qualify for discounts
• The safer your car, the less it costs to insure
• Good credit can help you save money
• Higher deductibles mean lower rates
• Ensure your driving record is clean
• Check for cheaper rates once a year

That final tip is especially crucial, as was emphasized in the prior information. Coverage rates in Louisiana vary greatly, so don’t be afraid to buy from a new company if you find a cheaper price. Having brand loyalty is commendable, but we do not recommend it if your bullheadedness ends up costing you money that could be going to better use. Spend a few minutes and shop around to find cheaper insurance for a Subaru Forester.