Compare Subaru Forester Insurance Quotes in Newark

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Discount Subaru Forester insuranceWould you like to stop overpaying and find more competitive auto insurance rates in Newark, NJ? Newark shoppers have options when shopping for low-cost Subaru Forester insurance. They can either waste time calling around getting price quotes or leverage the internet to find the lowest rates. There is a better way to compare auto insurance rates and we'll show you the proper way to get price quotes for your Subaru and get the best price possible from Newark insurance agents and online providers.

It's smart to get comparison quotes periodically since rates go up and down regularly. Even if you think you had the lowest rate on Subaru Forester insurance in Newark two years ago you can probably find a better price now. You can find a lot of information about Forester insurance on the internet, but I'm going to show you a bunch of ideas how to reduce your auto insurance bill.

The companies shown below are ready to provide price quotes in Newark, NJ. To get cheap car insurance in NJ, it's a good idea that you click on several of them to find the most affordable car insurance rates.

Buying the right Subaru Forester insurance in New Jersey is an important decision

Despite the fact that auto insurance is not cheap in Newark, auto insurance may be required and benefits you in several ways.

  • Almost all states have mandatory insurance requirements which means state laws require specific minimum amounts of liability coverage in order to drive the car. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your vehicle has a lienholder, more than likely the lender will have a requirement that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may insure your Subaru at a more expensive rate and force you to pay the higher premium.
  • Auto insurance preserves not only your Subaru Forester but also your financial assets. It will also provide coverage for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay to repair the damage.

The benefits of insuring your car definitely exceed the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is currently overpaying as much as $869 every year so you should quote rates once a year at a minimum to save money.

Rates and other information

The coverage information shown next covers a range of insurance coverage prices for Subaru Forester models. Being more informed about how insurance prices are formulated can be valuable when making smart choices when choosing a car insurance company.

Subaru Forester Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $258 $394 $408 $24 $122 $1,206 $101
Forester X Premium AWD $258 $394 $408 $24 $122 $1,206 $101
Forester X Premium AWP AWD $258 $394 $408 $24 $122 $1,206 $101
Forester X Limited Edition AWD $288 $394 $408 $24 $122 $1,236 $103
Forester X Limited Edition W/Navigation AWD $288 $464 $408 $24 $122 $1,306 $109
Forester XT AWD $288 $464 $408 $24 $122 $1,306 $109
Forester XT Limited Edition AWD $288 $464 $408 $24 $122 $1,306 $109
Forester XT Limited Edition W/Navigation AWD $288 $464 $408 $24 $122 $1,306 $109
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific garaging location which can modify premiums noticeably.

Rate comparison for different deductibles

When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below lay out the rate difference when you buy lower versus higher policy deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Subaru Forester insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $466 $746 $408 $24 $122 $1,791 $149
Forester X Premium AWD $466 $746 $408 $24 $122 $1,791 $149
Forester X Premium AWP AWD $466 $746 $408 $24 $122 $1,791 $149
Forester X Limited Edition AWD $520 $746 $408 $24 $122 $1,845 $154
Forester X Limited Edition W/Navigation AWD $520 $880 $408 $24 $122 $1,979 $165
Forester XT AWD $520 $880 $408 $24 $122 $1,979 $165
Forester XT Limited Edition AWD $520 $880 $408 $24 $122 $1,979 $165
Forester XT Limited Edition W/Navigation AWD $520 $880 $408 $24 $122 $1,979 $165
Get Your Own Custom Quote Go
Subaru Forester insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $258 $394 $408 $24 $122 $1,206 $101
Forester X Premium AWD $258 $394 $408 $24 $122 $1,206 $101
Forester X Premium AWP AWD $258 $394 $408 $24 $122 $1,206 $101
Forester X Limited Edition AWD $288 $394 $408 $24 $122 $1,236 $103
Forester X Limited Edition W/Navigation AWD $288 $464 $408 $24 $122 $1,306 $109
Forester XT AWD $288 $464 $408 $24 $122 $1,306 $109
Forester XT Limited Edition AWD $288 $464 $408 $24 $122 $1,306 $109
Forester XT Limited Edition W/Navigation AWD $288 $464 $408 $24 $122 $1,306 $109
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price estimates do not factor in Newark location which can lower or raise auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $53 more each month or $636 for a full year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 17 months between claim filings, you would save more money if you elect the higher deductible. The table below shows an example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $158
Average monthly premium for $1,000 deductibles (subtract): - $105
Monthly savings from raising deductible: $53
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $53
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important issue to know is that increasing deductibles to save money means you pay more out-of-pocket when you have a physical damage claim. It will be required that you have some money saved in the event you need to pay the deductible to have repairs made.

The illustration below illustrates how your choice of deductibles and can impact Subaru Forester yearly insurance costs for different age categories. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Accidents and violations increase rates

The information below illustrates how violations and at-fault accidents can impact Subaru Forester auto insurance costs for different categories of driver ages. The premium estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Car insurance cost for men versus women in Newark

The example below shows the comparison of Subaru Forester insurance rates for male and female drivers. Data assumes no claims or driving violations, full coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Discounts mean cheaper rates for Subaru Forester insurance in Newark

Car insurance is not cheap nor is it fun to buy but you may qualify for discounts that you may not even be aware of. Certain credits will be shown at the time of purchase, but less common discounts must be asked about prior to receiving the credit. If you check and find you aren't receiving every discount you qualify for, you are paying more than you should be.Discount car insurance

  • Good Student - Performing well in school may save you up to 25%. Most companies allow this discount up to age 25.
  • Clubs and Organizations - Being in a qualifying organization can get you a small discount when getting a Newark car insurance quote.
  • Air Bags and Passive Restraints - Factory air bags or automatic seat belts may get savings as much as 30%.
  • No Claims - Newark drivers who stay claim-free are rewarded with significantly better rates on Newark car insurance quote when compared with policyholders that have many claims.
  • Savings for New Vehicles - Buying a new car model can save you some money compared to insuring an older model.
  • Active Service Discounts - Being deployed with a military unit could trigger a small discount.
  • Theft Prevention System - Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Newark car insurance quote.

It's important to understand that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, you won't be that lucky. But all discounts will definitely reduce your policy premiums.

The information below illustrates the comparison of Subaru Forester premium costs with and without discounts applied. The prices are based on a male driver, a clean driving record, no claims, New Jersey state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-policy, claim-free, and multi-car discounts applied.

Auto insurance companies that possibly offer these discounts include:

When getting a coverage quote, ask every insurance company which credits you are entitled to. Savings may not be available in your state. To locate insurance companies that offer discounts in New Jersey, follow this link.

Situations that may require an agent's advice

When it comes to choosing the right insurance coverage, there really isn't a perfect coverage plan. Each situation is unique.Higher deductibles save money

For example, these questions can aid in determining if your insurance needs might need an agent's assistance.

  • Do I have coverage if my license is suspended?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are my company tools covered if they get stolen?
  • Can good grades get a discount?
  • What is no-fault insurance?
  • Am I missing any policy discounts?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I afford low physical damage deductibles?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don't have a local agent, simply complete this short form. It is quick, free and may give you better protection.

How to find a good New Jersey auto insurance company

Insuring your vehicle with the top car insurance company can be challenging considering how many companies sell insurance in New Jersey. The company information listed below could help you pick which companies you want to consider when shopping around.

Top 10 Newark Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. GEICO
  5. State Farm
  6. Nationwide
  7. Allstate
  8. 21st Century
  9. The Hartford
  10. Farmers Insurance

Top 10 Newark Car Insurance Companies Overall

  1. Mercury Insurance
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century