Compare Subaru Forester Insurance Rate Quotes in Fort Worth

  1. Home
  2. >
  3. Vehicles
  4. >
  5. Subaru Forester

Insurance quote for Subaru Forester in Fort WorthDo you need a better way to compare cheaper auto insurance rates in Fort Worth, TX? Fort Worth drivers have many options when trying to find low-cost Subaru Forester insurance. They can either waste time contacting agents getting price quotes or utilize the internet to compare rates.

There are more efficient ways to find auto insurance online and you need to know the quickest way to price shop coverage on a Subaru and obtain the best price possible from both online companies and Fort Worth agents.

This information will tell you the best methods to compare rates and how you can save the most money. If you're already insured, you will definitely be able to lower your rates using these tips. Smart buyers just have to know the most time-saving way to get comparison rates online.

How to buy Subaru Forester insurance online

Finding a better price on car insurance is pretty simple and can save money. Consumers just need to take a couple of minutes to get quotes provided by online insurance companies.

The companies shown below are ready to provide quotes in Fort Worth, TX. If multiple companies are shown, we recommend you visit two to three different companies in order to find the lowest rates.

Subaru Forester insurance charts and tables

The rate table displayed below covers different coverage costs for Subaru Forester models. Having a better understanding of how premiums are formulated is important for you to make decisions when choosing a new policy provider.

Subaru Forester Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $232 $412 $366 $22 $110 $1,142 $95
Forester X Premium AWD $232 $412 $366 $22 $110 $1,142 $95
Forester X Premium AWP AWD $232 $412 $366 $22 $110 $1,142 $95
Forester X Limited Edition AWD $258 $412 $366 $22 $110 $1,168 $97
Forester X Limited Edition W/Navigation AWD $258 $486 $366 $22 $110 $1,242 $104
Forester XT AWD $258 $486 $366 $22 $110 $1,242 $104
Forester XT Limited Edition AWD $258 $486 $366 $22 $110 $1,242 $104
Forester XT Limited Edition W/Navigation AWD $258 $486 $366 $22 $110 $1,242 $104
Get Your Own Custom Quote Go

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Table data does not factor in vehicle location which can lower or raise auto insurance rates greatly.

Policy deductibles

One of the most common insurance questions is which deductible level should you buy. The following insurance rates determine the rate difference when you buy lower versus higher deductibles. The first table uses a $100 deductible and the second price table uses a $1,000 deductible.

Subaru Forester insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $370 $592 $324 $20 $96 $1,427 $119
Forester X Premium AWD $370 $592 $324 $20 $96 $1,427 $119
Forester X Premium AWP AWD $370 $592 $324 $20 $96 $1,427 $119
Forester X Limited Edition AWD $412 $592 $324 $20 $96 $1,469 $122
Forester X Limited Edition W/Navigation AWD $412 $698 $324 $20 $96 $1,575 $131
Forester XT AWD $412 $698 $324 $20 $96 $1,575 $131
Forester XT Limited Edition AWD $412 $698 $324 $20 $96 $1,575 $131
Forester XT Limited Edition W/Navigation AWD $412 $698 $324 $20 $96 $1,575 $131
Get Your Own Custom Quote Go
Subaru Forester insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $206 $312 $324 $20 $96 $958 $80
Forester X Premium AWD $206 $312 $324 $20 $96 $958 $80
Forester X Premium AWP AWD $206 $312 $324 $20 $96 $958 $80
Forester X Limited Edition AWD $228 $312 $324 $20 $96 $980 $82
Forester X Limited Edition W/Navigation AWD $228 $368 $324 $20 $96 $1,036 $86
Forester XT AWD $228 $368 $324 $20 $96 $1,036 $86
Forester XT Limited Edition AWD $228 $368 $324 $20 $96 $1,036 $86
Forester XT Limited Edition W/Navigation AWD $228 $368 $324 $20 $96 $1,036 $86
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in specific Fort Worth garaging location which can impact premiums considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $42 more each month or $504 for a full year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 21 months between claim filings, you would save more money if you opt for a higher deductible.

The illustration below illustrates how your deductible choice and can influence Subaru Forester insurance costs for each different age group. Data assumes a single male driver, full coverage, and no additional discounts are factored in.

Cheap Fort Worth auto insurance rates with discounts

Some insurance providers don't always list all discounts in a way that's easy to find, so the list below contains some of the best known as well as some of the hidden discounts you could be receiving when you buy Fort Worth car insurance online. If they aren't giving you every credit possible, you are not getting the best rate possible.Auto insurance discounts

  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
  • Resident Student - College-age children living away from Fort Worth attending college and do not have a car can receive lower rates.
  • Military Discounts - Having a family member in the military can result in better rates.
  • Low Mileage Discounts - Low annual miles could be rewarded with discounted premium rates on garaged vehicles.
  • Fort Worth Homeowners Discount - Owning a home in Fort Worth may trigger a policy discount on auto insurance because owning a home means you have a higher level of financial diligence.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it appears you can get free auto insurance, that's just not realistic.

The diagram below compares Subaru Forester auto insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, safe-driver, multi-policy, and homeowner discounts applied.

To choose companies who offer discounts in Texas, click here.

Car insurance in Texas serves several purposes

Even though it can be expensive, car insurance may be mandatory for several reasons.

  • The majority of states have mandatory liability insurance requirements which means state laws require specific limits of liability insurance in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your Forester has a loan, almost all lenders will make it mandatory that you have physical damage coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Subaru at a significantly higher premium and force you to pay for the expensive policy.
  • Insurance protects both your assets and your Subaru Forester. Insurance will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay attorney fees if anyone sues you for causing an accident. If your car is damaged in a storm or accident, your policy will pay to have it repaired.

The benefits of having insurance are definitely more than the cost, specifically if you ever have a liability claim. The average driver in America is overpaying over $869 every year so shop around at every policy renewal to make sure the price is not too high.

When should I have guidance from an insurance agency?

Many people would prefer to have an agent's advice and that is a personal choice. Licensed agents will help you protect your assets and help in the event of a claim. The biggest benefit of comparing rates online is you may find cheap insurance quotes and still have a local agent. Buying from and supporting small agencies is definitely important in Fort Worth.

Insurance agents in Fort WorthFor easy comparison, once you complete this quick form, your coverage information is submitted to local insurance agents who will give competitive quotes for your insurance coverage. There is no need to search for an agent since rate quotes are delivered to you directly. If you have a need to get a rate quote from a specific insurance provider, don't hesitate to navigate to their website and complete a quote there.

When looking for a good Fort Worth insurance agent, it can be helpful to understand the types of agencies and how they are slightly different. Insurance policy providers are classified as either exclusive agents or independent agents. Both can sell and service insurance coverage, but it's important to point out the difference in the companies they write for since it may influence your selection of an agent.

Independent Insurance Agents

Agents of this type do not work for one specific company and that is an advantage because they can write policies with lots of companies and find you the best rates. If your premiums go up, an independent agent can move your coverage which makes it simple for you. If you are comparing rate quotes, you should always get quotes from at least one independent agent so that you can do a thorough price comparison. They often place coverage with small regional insurance companies which could offer lower prices.

The following is a small list of independent agents in Fort Worth who can help you get rate quotes.

More insurance agents

Exclusive Insurance Agents

Exclusive agents can only quote rates from one company such as AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide other company's prices so they have to upsell other benefits. Exclusive agents are usually well trained on the products they sell and that can be a competitive advantage. Some insured continue to purchase coverage from exclusives primarily because of the brand legacy rather than low rates.

Shown below are exclusive insurance agencies in Fort Worth that are able to give price quote information.

More insurance agents

Finding the right car insurance agent requires more thought than just a cheap price quote. Any good agent in Fort Worth should know the answers to these questions.

  • Will they take your side in the event of a claim?
  • Can glass claims be handled at your home?
  • Did they already check your driving record and credit reports?
  • When do they do a full risk review?
  • Will one accident increase rates?