Car Insurance Rates for a Subaru Forester in Long Beach

Insurance for Subaru ForesterIt’s an obvious conclusion that car insurance companies don’t want you to look at other companies. Consumers who perform rate comparisons are inclined to switch companies because there are good odds of finding good coverage at a lower price. Surprisingly, a recent survey revealed that drivers who regularly shopped around saved approximately $3,450 over four years as compared to drivers who never shopped around for better prices.

If finding the most affordable Subaru Forester insurance is why you’re reading this, learning the best way to shop and compare insurance coverage can help simplify the process.

Really, the only way to get low-cost auto insurance rates is to compare prices at least once a year from insurance carriers in Long Beach. Rates can be compared by following these steps.

A good tip to remember is to try to use similar limits and deductibles on each quote and and to get prices from as many different companies as possible. Doing this enables a fair price comparison and a complete price analysis.

Auto insurance analysis for a Subaru Forester

The information displayed next outlines a range of coverage costs for Subaru Forester models. Being more informed about how prices are calculated is important for making smart choices when buying a policy.


Subaru Forester Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $270 $454 $424 $26 $128 $1,302 $109
Forester X Premium AWD $270 $454 $424 $26 $128 $1,302 $109
Forester X Premium AWP AWD $270 $454 $424 $26 $128 $1,302 $109
Forester X Limited Edition AWD $300 $454 $424 $26 $128 $1,332 $111
Forester X Limited Edition W/Navigation AWD $300 $536 $424 $26 $128 $1,414 $118
Forester XT AWD $300 $536 $424 $26 $128 $1,414 $118
Forester XT Limited Edition AWD $300 $536 $424 $26 $128 $1,414 $118
Forester XT Limited Edition W/Navigation AWD $300 $536 $424 $26 $128 $1,414 $118
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can change rates significantly.

Auto insurance deductibles

When buying auto insurance, a common question is how low should you set your deductibles. The data tables below may help to conceptualize the differences in premium rates when you choose different deductibles. The first data set uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.


Subaru Forester insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $386 $576 $376 $22 $112 $1,497 $125
Forester X Premium AWD $386 $576 $376 $22 $112 $1,497 $125
Forester X Premium AWP AWD $386 $576 $376 $22 $112 $1,497 $125
Forester X Limited Edition AWD $430 $576 $376 $22 $112 $1,541 $128
Forester X Limited Edition W/Navigation AWD $430 $678 $376 $22 $112 $1,643 $137
Forester XT AWD $430 $678 $376 $22 $112 $1,643 $137
Forester XT Limited Edition AWD $430 $678 $376 $22 $112 $1,643 $137
Forester XT Limited Edition W/Navigation AWD $430 $678 $376 $22 $112 $1,643 $137
Get Your Own Custom Quote Go

Subaru Forester insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $314 $464 $376 $22 $112 $1,288 $107
Forester X Premium AWD $314 $464 $376 $22 $112 $1,288 $107
Forester X Premium AWP AWD $314 $464 $376 $22 $112 $1,288 $107
Forester X Limited Edition AWD $348 $464 $376 $22 $112 $1,322 $110
Forester X Limited Edition W/Navigation AWD $348 $546 $376 $22 $112 $1,404 $117
Forester XT AWD $348 $546 $376 $22 $112 $1,404 $117
Forester XT Limited Edition AWD $348 $546 $376 $22 $112 $1,404 $117
Forester XT Limited Edition W/Navigation AWD $348 $546 $376 $22 $112 $1,404 $117
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in Long Beach location which can alter premium rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $19 more each month or $228 each year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 13 months between claim filings, you would save money by going with a higher deductible.

How Your Forester Insurance Prices are Determined

Smart consumers have a good feel for the different types of things that aid in calculating the price you pay for car insurance. If you understand what controls the rates you pay, this allows you to make educated decisions that could help you find cheaper rates.

Cheap insurance rates are out there

Insureds leave their current company for a variety of reasons including high rates after DUI convictions, denial of a claim, not issuing a premium refund and lack of trust in their agent. It doesn’t matter why you want to switch finding a new company is actually quite simple.

Cheaper Subaru Forester insurance in Long Beach is definitely available online as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not provide internet price quotes and these regional insurance providers prefer to sell through local independent agents.

You just read many ideas to shop for Subaru Forester insurance online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the best prices are with the smaller companies.

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