Finding the best cheap auto insurance for a Subaru Forester in Tennessee hinges on a lot of factors such as how old the Forester is, the likelihood of vehicle theft, and blemishes on your driving record. Drivers will pay around $858 each year to insure their Forester, but that is an estimation based upon a 40-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
The issue with using an average estimated rate is the likelihood you are not 40 years old and maybe not even male, possibly single instead of married, and maybe your Forester just needs liability-only coverage. Not everyone needs the same coverages, so the way we recommend to find affordable rates for your Subaru is to just take the time to compare rates yourself. Compare rate quotes now and you can get prices from the best auto insurance companies that offer coverage in Tennessee.
The trim level of your Subaru will have an impact the coverage cost, so the price to insure a Forester X AWD model will be $88 lower than the cost to insure the higher-priced Forester XT Limited Edition W/Navigation AWD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$230||$346||$252||$14||$76||$918||$77|
|Forester X Premium AWD||$230||$346||$252||$14||$76||$918||$77|
|Forester X Premium AWP AWD||$230||$346||$252||$14||$76||$918||$77|
|Forester X Limited Edition AWD||$256||$346||$252||$14||$76||$944||$79|
|Forester X Limited Edition W/Navigation AWD||$256||$408||$252||$14||$76||$1,006||$84|
|Forester XT AWD||$256||$408||$252||$14||$76||$1,006||$84|
|Forester XT Limited Edition AWD||$256||$408||$252||$14||$76||$1,006||$84|
|Forester XT Limited Edition W/Navigation AWD||$256||$408||$252||$14||$76||$1,006||$84|
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in vehicle location which can revise prices substantially.
Picking a highly-rated insurance provider can be a challenge considering how many choices there are in Nashville. The company ratings below may help you choose which companies to look at when buying insurance for a Subaru Forester. The ratings below include companies who write in the majority of U.S. states, so companies that have a smaller presence will not be included in this list.
Top 10 Large Auto Insurance Companies Overall in Nashville
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
The information below shows how choosing a deductible can influence insurance prices when researching cheap insurance for a Subaru Forester. The premiums assume a married male driver, comp and collision included, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could pocket $290 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $438 by changing to a $1,000 deductible. Even younger drivers, like the age 20 example, could drop their prices $962 every year just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it is essential to have additional savings on hand to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Discount Nashville insurance rates
Insurance companies that offer cheap quotes for a Subaru Forester may have policy discounts that could lower prices by as much as 40% or more if you can meet the requirements. The best insurance companies and a selection of discounts are shown below.
- Progressive may include discounts for good student, multi-policy, continuous coverage, multi-vehicle, and online quote discount.
- Farmers Insurance offers discounts including teen driver, multi-car, business and professional, distant student, and good student.
- Farm Bureau has savings for safe driver, good student, youthful driver, 55 and retired, driver training, multi-policy, and renewal discount.
- State Farm discounts include driver’s education, passive restraint, defensive driving training, multiple policy, and Steer Clear safe driver discount.
- GEICO may have discounts that include emergency military deployment, defensive driver, multi-policy, membership and employees, and multi-vehicle.
- SAFECO offers discounts for multi-car, anti-lock brakes, safe driver, drive less, and homeowner.
- Liberty Mutual may offer discounts for new vehicle discount, teen driver discount, newly retired, multi-policy, newly married, good student, and multi-car.
The chart below shows the difference between car insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, a clean driving record, no at-fault accidents, Tennessee state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, defensive driving course, homeowner, anti-theft, accident-free, and marriage discounts applied. When these discounts are applied, theamount saved on insurance for a Subaru Forester is 27% or $418.
Ideas to find budget-friendly auto insurance for a Subaru Forester
Lowering your rates is not difficult, and here are some of the recommended money-saving ideas that can help Tennessee drivers get cheap auto insurance.
- Try to not file small claims
- Bundle home or renters insurance to earn a discount on car insurance
- Avoid having at-fault accidents
- Vehicles with safetly features generally cost less to insure
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Do not insure for full coverage
- Compare rates regularly to ensure the best deal
That final tip is extremely valuable, as we pointed out in this piece. Prices charged by companies fluctuate considerably, so don’t be afraid to switch to a new company if a cheaper rate is available. Many drivers prefer to stick with one company, but it’s not recommended if that dedication is costing thousands of dollars over the life of your policy. In less than five minutes you could shop around to find cheaper insurance for a Subaru Forester in Nashville.
The Nashville, TN, insurance agents below can help you decide which auto insurance policy fits you best, since many people would rather have a little guidance when shopping for cheaper insurance for a Forester. It can be complicated to find the best policy on your own, so a licensed agent can add comfort knowing your coverage gives you adequate coverage if you have an accident or claim.
To locate a Nashville insurance agent near you, click the link after the list or click here to compare price quotes.
Hale Insurance, LLC
301 29th Ave N – Nashville, TN 37203 – (615) 321-4150
Phill Pharr – State Farm Insurance Agent
5814 Nolensville Pike #108 – Nashville, TN 37211 – (615) 832-0897
Lester McClain – State Farm Insurance Agent
2209 Crestmoor Rd #200 – Nashville, TN 37215 – (615) 383-0449
Eric Osborne – State Farm Insurance Agent
2301 21st Ave S #350 – Nashville, TN 37212 – (615) 837-9000