Car Insurance Quotes for a Subaru Forester in Phoenix

I really doubt anyone fancies paying their premiums for auto insurance, especially when they are aware that they are paying too much.

Unthinkable but true, almost 70% of drivers kept their coverage with the same auto insurance company for four years or more, and 38% of customers have never shopped around. Arizona insurance shoppers could save an average of 50% each year just by comparing rates, but they don’t invest the time required to do a rate comparison. Many insurance companies compete for your business, and it can be difficult to compare rates and uncover the absolute best rate on Subaru Forester insurance in Phoenix.

If you have coverage now or just want to reduce your rates, you can use these tips to find better prices and still have adequate protection. Buying the cheapest auto insurance in Phoenix is actually quite easy if you know where to start. Drivers only need to know the quickest way to shop for auto insurance online.

Discount Phoenix car insurance rates

Insuring your vehicles can cost a lot, but you may qualify for discounts that can help lower your rates. Many discounts should be triggered at quote time, but occasionally some discounts must be manually applied before they will apply. If you check and find you aren’t receiving every discount you qualify for, you are throwing money away.

• Smart Student Discounts – This discount may save as much as 25% on a Phoenix car insurance quote. This discount can apply until age 25.
• Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
• Mature Driver Discount – Mature drivers can possibly qualify for a discount up to 10%.
• Passenger Safety Discount – Cars that have air bags may qualify for discounts as much as 30%.
• Distant Student – Older children living away from Phoenix attending college and won’t have access to an insured vehicle could get you a discount.
• Bundle and Save – If you can combine your home and auto policy and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
• Telematics Data Discounts – Insureds who allow companies to study driving habits by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To view insurers with the best discounts in Arizona, click this link.

How to find the cheapest Subaru Forester insurance in Phoenix, Arizona

The auto insurance companies shown below provide price quotes in Arizona. If multiple companies are shown, it’s highly recommended you compare several of them in order to find the cheapest rates.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Prices do not factor in vehicle garaging location which can alter rates greatly.

Raise deductibles and save

One of the more difficult decisions when buying auto insurance is which comprehensive and collision deductibles to buy. The following tables may help to conceptualize the differences in price between high and low comp and collision deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in Phoenix location which can alter prices significantly.

Based on the data above, we can derive that using a $250 deductible costs approximately $14 more each month or $168 annually than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 18 months between claims, you would probably save some money if you choose a higher deductible.

Can’t I compare rate quotes from local Phoenix insurance agents?

Some people just want to talk to a local agent and that is a smart decision Licensed agents can make sure you are properly covered and help in the event of a claim. A nice benefit of comparing insurance prices online is that you can find cheaper car insurance rates and still buy from a local agent. Putting coverage with local insurance agents is important especially in Phoenix.

For easy comparison, once you complete this short form, your information is transmitted to local insurance agents in Phoenix who want to provide quotes for your insurance coverage. There is no reason to leave your house because quoted prices will be sent to you. If you have a need to get a price quote for a specific company, feel free to visit that company’s website and give them your coverage information.

The following is a list of insurance companies in Phoenix that may be willing to give rate quotes for Subaru Forester insurance in Phoenix.

View more agents

Finding the right provider requires you to look at more than just the quoted price. Here are some questions you might want to ask.

• Do they offer claims assistance after hours?
• What discounts might you be missing?
• Are there any discounts for paying up front?
• What will you get paid if your car is a total loss? How is that amount determined?
• Can they give you a list of client referrals?
• Can glass claims be handled at your home?
• Where are claims handled?

Once you have answers to your satisfaction to these questions as well as offering an affordable quote, you’ve probably found an insurer that meets the criteria to service your policy. Just be aware that once you purchase a policy you can terminate your policy when you choose so never assume that you’re stuck with a specific company with no way to switch.

Do the work, save more money

We covered many tips how you can find affordable Subaru Forester insurance in Phoenix. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

As you shop your coverage around, do not skimp on coverage in order to save money. There are too many instances where an insured dropped collision coverage only to regret they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

To learn more, link through to the following helpful articles:

• Information for Teen Drivers (GEICO)
• Who Has Cheap Phoenix Auto Insurance Rates for Drivers Over Age 70? (FAQ)
• Who Has Affordable Phoenix Auto Insurance for a Ford Fusion? (FAQ)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)