Best Cheap Insurance for a Subaru Forester in New York

When we talk about auto insurance, the words “affordable” or “cheap” really should not be used anywhere in the article to describe car insurance prices. Sad but true, cheap car insurance for a Subaru Forester is not always easy to find. Don’t let that ruin your day, because we will tell you how you can find and buy coverage that doesn’t cost an arm and a leg.

The chances of buying the cheapest car insurance for a Subaru Forester in New York is dependent upon a calculation that uses factors like the mileage of your daily commute, if you have recent claims, and your choice of deductibles. New York drivers pay on average $790 every 12 months for Forester insurance, but that cost is an approximation based on rates for a 40-year-old married male who purchased both comprehensive and collision coverage and $250 deductibles.

It’s highly likely you are not 40 and maybe not even a male, maybe you are single instead of married, and there is a good chance that there are other drivers on your policy. Just a very minor change in policy rating data can cause big changes in how much insurance for a Subaru Forester costs.

Every driver has different characteristics, so the way we recommend to find affordable rates for your Subaru is to comparison shop your policy at every renewal or at least every couple of years.

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The trim level of your Forester tends to impact the cost of coverage, so the price to insure a Forester X AWD trim level will be $80 cheaper than the insurance cost for the higher-end Forester XT Limited Edition W/Navigation AWD version, as demonstrated by the prices below.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Information does not factor in garaging location in New York which can modify coverage prices greatly.

Deciding which companies offer the lowest-priced car insurance rates for a Subaru Forester involves a little more effort than just picking a company at random. Every car insurance company has a proprietary formula for determining rates, so we need to take a look at the most competitive car insurance companies in New York.

It’s important to know that New York car insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Simply getting older, moving across town, or getting a couple of tickets can produce rate changes that can now make some companies cheaper than competitors.

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USAA quotes some of the most affordable car insurance rates in New York at around $1,152 a year. Erie, Utica National, Progressive, and Allstate also qualify as some of the cheaper New York car insurance companies.

As the rates illustrate above, if you currently buy coverage from Allstate and switched to Erie, you could see annual savings of around $301. Insureds with Travelers might save as much as $304 a year, and MetLife customers might see rate reductions of $333 a year.

Be aware that those policy rates are averages across all insureds and vehicles and do not take into consideration a specific rating modification for a Subaru Forester. So the insurer that is best for you may not even be featured in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

How violations and accidents impact rates

The obvious way to enjoy the cheapest car insurance rates in New York for a Forester is to pay attention while driving and avoid traffic citations and accidents. The information below highlights how speeding tickets and at-fault accidents can impact premium costs for each age group. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

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In the prior example, the average cost of auto insurance in New York per year with no accidents or violations is $1,343. Get one speeding ticket and the average cost rises to $1,557, an increase of $213 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Subaru Forester goes up to an average of $3,290. That’s an increase of $1,946, or $162 per month, just for not driving responsibly!

Your low-price policy may be costing you money

New York car insurance rates are determined by lots of factors which can significantly increase or decrease your annual premium. Simply having a birthday, buying a new vehicle, or having a fender bender can trigger rate changes that can make some companies more affordable than competitors.

Also, insurance companies file new rates at least once a year in order to protect their financial rating. Higher than normal claim frequency or severity may cause increased policy costs, while better underwriting may cause more affordable Forester insurance rates.

As an example, the graph below shows which companies have the cheapest car insurance in New York for a 35-year-old male driver with a clear driving record, no claims, and good credit. If we estimate rates based on his current situation, USAA has the most affordable car insurance rates in New York at $3,555 per year. This is $1,480 more than the average price paid by New York drivers of $2,075. Erie, Travelers, Utica National, and Progressive are the remainder of the cheapest New York auto insurance companies.

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Let’s now give the driver from the first set of rates a chargeable claim, a lower credit rating, and a traffic citation. Since each auto insurance company has a proprietary formula for determining rates, comparing rates may now present a different list of affordable New York car insurance companies as shown below.

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Amica now has the best price on car insurance in New York with MetLife, Erie, Preferred Mutual, and USAA also being competitive. This example illustrates why it is critical to compare as many rates as possible to get the most economical insurance rates for a Subaru Forester.

Insurance rates are calculated by many different factors and can increase or decrease at any time, so the cheapest option when you last compared rates may now be an over-priced policy.

Tips for finding cheaper insurance for a Subaru Forester

The list below details some of the recommended penny-pinching ideas that can help drivers buy cheaper coverage.

• Get cheaper liability coverage by choosing a safer vehicle
• Higher comprehensive and collision coverage deductibles will save money
• Better credit rating means better rates
• Avoid accidents and claims
• Do not get traffic tickets
• Compare rates regularly and switch companies to save money

That last idea is extremely necessary, as we discussed in the prior information. Prices charged by car insurance companies in New York can be changed at any time, so you should be ready to change insurance companies if you can find a cheaper rate.

Having brand loyalty is commendable, but it’s not a good idea if it’s costing you lots of money. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for a Subaru Forester.