How Much is Insurance for a Subaru Forester in Kansas?

We always joke that when we write about auto insurance, the word affordable really should not be used anywhere to describe car insurance rates. Sad but true, cheap car insurance for a Subaru Forester is just plain contradictory. Don’t let that get you down, though, because we can show you some ways you can find and buy insurance that is cheaper than what you are paying now.

Your chances of finding the cheapest coverage for a Subaru Forester in Kansas depends upon a fairly complex equation with a lot of factors such as how many years you have been driving, whether or not you have filed claims in the past, and any prior driving offenses you have. Drivers in Kansas on average pay around $890 each year to insure their Forester, but that rate is an estimate based on a 30-year-old married male driver with full physical damage coverage and $250 physical damage deductibles.

If we were betting, you aren’t exactly 30 years old or even a male, you might be single instead of married, or you need different physical damage deductibles. There is no one cookie-cutter policy that works for everyone, so your best chance at finding cheap auto insurance rates for your Subaru is to comparison shop your policy at every renewal or at least every couple of years. Quotes only take a few minutes and you will receive prices from top-rated car insurance companies in Kansas.

Insure Your Subaru for Less

The specific trim level has an effect on the cost of insurance, so the rate you will pay to insure a Forester X AWD model will cost $96 less than the cost to insure the fancier Forester XT Limited Edition W/Navigation AWD version, as shown in the chart below.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Prices do not factor in specific garaging location which can modify premiums substantially.

Kansas car insurance companies

Selecting the right car insurance company can be difficult considering how many different companies insure vehicles in Kansas. The information in the next section could help you analyze which auto insurance companies to look at when shopping around.

The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not taken into consideration for the list. To check rates from these and other companies in Kansas, click this link.

Top 10 Large Auto Insurance Companies in Kansas Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. The General
10. Esurance

Top Companies for Subaru Forester Insurance in Kansas

The diagram below illustrates how your deductible choice can impact insurance prices when quoting cheap insurance for a Subaru Forester. Data assumes a single male driver, full coverage, and no discounts are taken into consideration.

The data above shows that a 50-year-old driver could reduce rates by $338 a year by increasing from a $100 deductible to a $500 deductible, or save $510 by selecting a $1,000 deductible. Young drivers, like the age 20 example, could possibly save up to $1,110 annually by using a higher deductible. When using a larger deductible, it’s a good idea to have additional funds in a savings account to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

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

If you’re looking for the cheapest auto insurance, four good companies to start with are Progressive, Geico, State Farm, and Allstate. When added together, they make up almost half of all auto insurance policies in force. The next table breaks down ratings for price and service, as well as some optional coverages that are available for customers.

How to get cheap insurance for a Subaru Forester in Kansas

The list below details some of the recommended thrifty solutions that can help drivers get cheaper auto insurance.

• Do not get tickets or violations
• Remain accident-free and save
• Drivers with good credit often pay less
• Higher comprehensive and collision coverage deductibles will save money
• Vehicles with good safety ratings have lower liability rates
• Shop around for cheaper prices often

The last suggestion is highly critical, as was pointed out in the prior article. Prices charged by car insurance companies in Kansas fluctuate constantly, so drivers shouldn’t be resistant to switch to a new company if you find a cheaper price. Brand loyalty is not necessarily bad, but we do not recommend it if that stubbornness costs you money that could be spent on other things. It only take a few minutes to shop around and find cheaper auto insurance for a Subaru Forester.