Buying cheaper car insurance for a Subaru Forester in North Carolina can be pretty simple, but it depends on an enormous amount of rating factors such as how far you commute, if you have prior claims, and if you have a history of accidents. Drivers in North Carolina will pay on average $754 a year for Forester insurance, but that price is an estimation using a 40-year-old married female driver with full physical damage coverage and $250 deductibles.
Most likely you are not 40 and maybe not even a female, single instead of married, and maybe you have sub-par credit that needs to be factored in. Having just a slight change in the criteria used to calculate rates may result in a big change in how much coverage for a Subaru Forester costs.
There is no one cookie-cutter policy that works for everyone, so the best method for finding the cheapest insurance price for your Subaru is to put in the effort to do a thorough rate comparison. Get your free quotes now and you will receive price comparisons from the cheapest companies in North Carolina.
The specific model of Forester has an effect on price, so the cost to insure a Forester X AWD trim level will cost $78 less than the cost to insure the more expensive Forester XT Limited Edition W/Navigation AWD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$186||$318||$222||$14||$66||$806||$67|
|Forester X Premium AWD||$186||$318||$222||$14||$66||$806||$67|
|Forester X Premium AWP AWD||$186||$318||$222||$14||$66||$806||$67|
|Forester X Limited Edition AWD||$208||$318||$222||$14||$66||$828||$69|
|Forester X Limited Edition W/Navigation AWD||$208||$374||$222||$14||$66||$884||$74|
|Forester XT AWD||$208||$374||$222||$14||$66||$884||$74|
|Forester XT Limited Edition AWD||$208||$374||$222||$14||$66||$884||$74|
|Forester XT Limited Edition W/Navigation AWD||$208||$374||$222||$14||$66||$884||$74|
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in specific location information which can modify coverage prices considerably.
Finding reasonably-priced insurance is easier said than done, and determining which company quotes the cheapest auto insurance rates for a Subaru Forester takes even more shopping around. Each auto insurance company uses their own calculation to determine rates, so we’ll take a look at the auto insurance companies that tend to be cheaper in Charlotte.
It’s important to understand that Charlotte auto insurance rates are calculated based on many things that control the price of your policy. Events such as a birthday, moving across town, or getting into an accident can trigger changes in premium that can make some companies more expensive than others.
Find the Best Cheap Insurance for Your Subaru
|Rank||Company||Cost Per Year|
|3||NC Farm Bureau||$709|
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Utica National may offer some of the best car insurance rates in Charlotte at around $655 per year. Progressive, NC Farm Bureau, Liberty Mutual, and Titan also qualify as some of the most economical Charlotte, NC insurance companies.
As shown in the rates above, if you are a customer of Titan and switched to Progressive, you might realize savings of around $79. Customers with GEICO may save as much as $84 a year, and Penn National insureds might lower prices by $89 a year.
These estimates are averaged for all types of drivers and the different vehicles they drive and do not factor in an exact zip code location for a Subaru Forester. So the insurer that has the lowest price for you may not even be in the list above. That point stresses why you need to get rate quotes from many companies using your own individual information.
Driving violations and accidents
In a perfect world, the best way to score affordable auto insurance prices in Charlotte for a Forester is to drive cautiously and have a clean driving record. The illustration below shows how violations and at-fault accidents increase auto insurance costs for different age groups of insureds. Data assumes a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of a car insurance policy in North Carolina per year with a clean driving record and no accidents is $1,224. Receive one speeding ticket and the average cost hikes up to $1,400, an increase of $176 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Subaru Forester jumps again to an average of $1,902. That’s an increase of $679, or $57 per month, just for a couple of infractions!
Why you are probably overpaying for Forester insurance
North Carolina auto insurance rates are influenced by many factors that can increase the policy premium. Simply having a birthday, increasing deductibles, or getting caught speeding can cause premium changes that can now make some companies cheaper in comparison to the competition.
Not only that, but insurance companies modify pricing every year in order to protect their financial rating. A period of increased losses can cause additional price hikes, while lower claim expenses may cause more affordable Forester insurance rates.
For example, the graph below demonstrates which company has the cheapest car insurance in Charlotte, NC for a 45-year-old male driver with no prior claims, no tickets, and great credit. If we look at prices based on his personal profile, Progressive might offer the cheapest car insurance rates in Charlotte at $780 per year. This is $92 less than the average policy premium paid by North Carolina drivers of $872. Utica National, NC Farm Bureau, Liberty Mutual, and GEICO are the rest of the best Charlotte, NC auto insurance companies.
The next chart shows rates after we give the driver in the first chart an accident surcharge, slightly worse credit, and a few blemishes on his driving record. Due to the fact that each insurance company has a different process to establish rates, analyzing rates may now show a new list of companies as shown below.
Penn National now has the cheapest car insurance in Charlotte, NC with State Farm, Auto-Owners, Erie, and Travelers also being competitive. This example illustrates why it is so important to compare rates when trying to find affordable insurance rates for a Subaru Forester. Prices are made up of many risk factors and can change without notice, so the cheapest company the last time you shopped around may now be priced much higher than other options.
If you like to get some professional advice when buying car insurance for a Subaru Forester, the insurance agencies listed below are a good start to aid you in deciding which coverages and limits you need. To find a Charlotte insurance agency close to you, click the button below the list.
Allstate Insurance: Michael Randolph
1001 W W.T. Harris Blvd m – Charlotte, NC 28213 – (704) 549-1710
Denis Wilson – State Farm Insurance Agent
1850 E 3rd St #360 – Charlotte, NC 28204 – (704) 376-4088
Nationwide Insurance: Michael Bare Agency
2300 Sardis Rd N a – Charlotte, NC 28227 – (704) 248-8000
7810 Ballantyne Commons Pkwy # 300 – Charlotte, NC 28277 – (704) 543-2700
Southeast Insurance Agency
212 S Tryon St #1605 – Charlotte, NC 28281 – (704) 885-8006
How to find more affordable insurance for a Subaru Forester
It is possible to find better rates, and here are some thrifty suggestions that can help you locate cheap auto insurance.
- Avoid accidents
- Claim-free drivers earn discounts
- Buy a car with high safety ratings
- Violations and traffic tickets increase rates
- Buying your home and auto policies from the same company can earn a discount
- Keep rates low by shopping around frequently
The final tip is particularly important, as we pointed out in the prior information. Prices change frequently, so don’t be hesitant to switch companies if a cheaper rate is available. Having a favorite company is fine, but we do not recommend it if that dedication is costing a small fortune year after year. In just a few minutes you could shop around and find cheaper insurance for a Subaru Forester in Charlotte.