Cheapest Insurance for a Subaru Forester in San Jose

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

Insurance for Subaru ForesterLocating better insurance prices for a Subaru Forester in California can be an all-consuming task, but you can use our auto insurance buying tips to save time. There is a better way to shop for auto insurance so you're going to learn the absolute fastest way to get price quotes for your Subaru and get the lowest price from San Jose insurance agents and online providers.

It's a good habit to get comparison quotes quite often because auto insurance prices are usually higher with each renewal. Just because you found the lowest price on Subaru Forester insurance in San Jose last year you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because I'm going to teach you the only way to find better rates and still maintain coverage.

Finding a better price on car insurance is a great way to save money. All you need to do is invest a few minutes to compare rate quotes to find the company with affordable Subaru Forester insurance quotes.

The following companies can provide quotes in San Jose, CA. If multiple companies are listed, it's a good idea that you visit as many as you can to get a more complete price comparison.

Rates and other information

The coverage table displayed next outlines detailed analysis of policy rates for Subaru Forester models. Learning how auto insurance prices are calculated is important for drivers to make decisions on the best policy to buy.

Subaru Forester Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $370 $650 $488 $28 $146 $1,682 $140
Forester X Premium AWD $370 $650 $488 $28 $146 $1,682 $140
Forester X Premium AWP AWD $370 $650 $488 $28 $146 $1,682 $140
Forester X Limited Edition AWD $412 $650 $488 $28 $146 $1,724 $144
Forester X Limited Edition W/Navigation AWD $412 $766 $488 $28 $146 $1,840 $153
Forester XT AWD $412 $766 $488 $28 $146 $1,840 $153
Forester XT Limited Edition AWD $412 $766 $488 $28 $146 $1,840 $153
Forester XT Limited Edition W/Navigation AWD $412 $766 $488 $28 $146 $1,840 $153
Get Your Own Custom Quote Go

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can increase or decrease prices significantly.

Should you raise deductibles?

When buying car insurance, a common question is how high should the deductibles for physical damage be. The comparison tables below approximate the premium difference when you select higher and lower deductibles. The first rate comparisons uses a $100 deductible and the second price chart uses a $500 deductible.

Subaru Forester insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $430 $686 $376 $22 $112 $1,651 $138
Forester X Premium AWD $430 $686 $376 $22 $112 $1,651 $138
Forester X Premium AWP AWD $430 $686 $376 $22 $112 $1,651 $138
Forester X Limited Edition AWD $478 $686 $376 $22 $112 $1,699 $142
Forester X Limited Edition W/Navigation AWD $478 $810 $376 $22 $112 $1,823 $152
Forester XT AWD $478 $810 $376 $22 $112 $1,823 $152
Forester XT Limited Edition AWD $478 $810 $376 $22 $112 $1,823 $152
Forester XT Limited Edition W/Navigation AWD $478 $810 $376 $22 $112 $1,823 $152
Get Your Own Custom Quote Go
Subaru Forester insurance 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

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in San Jose location which can change premiums greatly.

Based on the data above, we can derive that using a $100 deductible would cost the average driver about $34 more each month or $408 every year averaged for all Forester models than quoting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 12 months between claim filings, you would most likely save money if you elect the higher deductible.

Subaru Forester insurance premiums by gender in San Jose

The information below compares Subaru Forester yearly insurance costs for male and female drivers. The rates are based on no accidents or driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

It's not one size fits all

Always remember that when buying proper insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else's and your auto insurance should unique, too.Higher deductibles save money For example, these questions may help you determine whether or not you would benefit from an agent's advice.

  • Am I covered while delivering pizza?
  • What is the premium to book value ratio for dropping full coverage?
  • Are rock-chip repairs free?
  • Is extra glass coverage worth it?
  • When should I remove comp and collision on my Subaru Forester?
  • What policy terms are available?
  • When should I not file a claim?
  • Why do I only qualify for high-risk insurance?

If you can't answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.

Comparing quotes from local San Jose insurance agents

Certain consumers prefer to get advice from a local agent and often times that is recommended Agents are highly skilled in risk management and help file insurance claims. One of the great benefits of comparing car insurance online is that drivers can save money and get lower prices but still work with a licensed agent.

Insurance agency in San JoseUpon completion of this quick form, your insurance coverage information is submitted to insurance agents in San Jose who can give free rate quotes and help you find cheaper coverage. There is no reason to search for any insurance agencies because quoted prices will be sent directly to you. In the event you want to quote rates for a specific company, feel free to go to their quote page and fill out their quote form.

Selecting a insurer needs to be determined by more than just a cheap price quote. Any agent in San Jose should be forthright in answering these questions:

  • How many companies do they write for?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Which insurance company do they prefer to write with?
  • If you have an accident, will your rates go up?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Listed below is a short list of insurers in San Jose that can give you rate quotes for Subaru Forester insurance in San Jose.

View more San Jose agents

After getting reasonable responses as well as an affordable premium quote, you may have found an insurer that can be trusted to adequately provide car insurance. Keep in mind you can always terminate your policy at any time so don't think you are locked into a policy for a certain time period.