[Woody '04]

With all due respect, surely there is someplace this belongs and can be discussed? Sure, a lot of factors go into this but the bottom line is the bottom line ... ?! :icon_confused:

 

[pleiad7]

So how many threads for comparing insurance rates do you suggest we need? Just curious...

http://www.subaruforester.org/vbulletin/f62/car-insurance-35607/
http://www.subaruforester.org/vbulletin/f62/insurance-rates-8352/
http://www.subaruforester.org/vbulletin/f62/insurance-rate-my-future-forester-42859/
http://www.subaruforester.org/vbulletin/f62/insurance-co-sucks-27390/

Just a few I found with a quick search.

 

[Woody '04]

I dunno. It just seems like a subject related to driving that many might be interested in ... a "cost of ownershp" compared to other vehicles.

seems like general forum or maybe regional forums might be a place to discuss... don't really know?! ...:icon_confused:

 

[The Black Box]

How can you compare with someone else if they:

1. Live in a higher/lower risk area?

2. Are older/younger?

3. Have multiple cars/homes/liability riders etc. lowering their rate?

4. Have more/less points?

Kinda pointless as has been mentioned. You're better off e-mailing a few carriers.

 

[Tuned200]

^Yup.

Doesn't progressive give you free rates?

 

[The Black Box]

Hey we agree! Ha ha free rates. They all give quotes but like a new car quote it don't mean dukey unless it's on paper.

 

[Tuned200]

^This is true. My brother insured his GSXR thru progressive online. My agent got him better rates from progressive than he got online.

 

[Jared_N]

"How much do you pay for insurance" threads are completely useless. There are way way wayyyy too many variables.

 

[Woody '04]

maybe someone could link to a reputable insurance research site then?

there are a lot of variables to be sure.

 

[Woody '04]

for example, i have seen it mentioned it is cheaper to own a souped-up forester than it is to own a stock WRX when the fozzie is actually faster and has lower insurance rates.

 

[Bravo12]

IBTL.

 

[Real Lyte]

for example, i have seen it mentioned it is cheaper to own a souped-up forester than it is to own a stock WRX when the fozzie is actually faster and has lower insurance rates.

In general, driving a shoe gives you one of lowest rates out there. I'm young and I only pay ~$500 per year with full coverage. It costs less to insure my foz over my 'ol '96 Escort ever did, go figure.

Either way, as others have stated, purely subjective.

 

[The Black Box]

for example, i have seen it mentioned it is cheaper to own a souped-up forester than it is to own a stock WRX when the fozzie is actually faster and has lower insurance rates.

They base rates on replacement value and risk among other things. My'09 STI was a couple hundred more a year than my '08 XT mostly because of higher value.

Too many variables. Use a phone. Calculators are just teasers.

 

[JB03F20C]

for example, i have seen it mentioned it is cheaper to own a souped-up forester than it is to own a stock WRX when the fozzie is actually faster and has lower insurance rates.

Yeah I learned that the hard way ! I had an STI for 6 months and never did ask about insurance until I got the bill! Holy Smokes does that thing have a high insurance rating. My insurance guy said all the kids have wrecked STI's,WRX,and EVO's causing those cars insurance rating to go up by huge percentages. Nationwide has a numerical rating with higher the number the higher the insurance. Some examples a Nissan pickup is a 7. Forester is a 14 . STI is a 28. Honda S2000 is a 24. Honda Civic is a 12 or 13 .
The Forester is the Insurance Institutes safest rated small suv which makes it have a lower rate than others!

 

[Woody '04]

Yeah I learned that the hard way ! I had an STI for 6 months and never did ask about insurance until I got the bill! Holy Smokes does that thing have a high insurance rating. My insurance guy said all the kids have wrecked STI's,WRX,and EVO's causing those cars insurance rating to go up by huge percentages. Nationwide has a numerical rating with higher the number the higher the insurance. Some examples a Nissan pickup is a 7. Forester is a 14 . STI is a 28. Honda S2000 is a 24. Honda Civic is a 12 or 13 .
The Forester is the Insurance Institutes safest rated small suv which makes it have a lower rate than others!

that's what i'm talking about, now :icon_wink: good comparative info.

 

[JBX]

My insurance company seemed most interested in one detail when I added my Forester: Turbocharged or non turbocharged?

 

[Jared_N]

I was going to list some stuff to look at but this article sums it up nicely:

How to Choose the Right Auto Insurance Company - Edmunds.com

Basically, stick with the big companies (so no Safe Auto or "The General" or whatever it's called) who have good customer service reputations and are financially healthy, and make some phone calls to get some quotes.

State Farm, Geico, Progressive (unless this bothers you, it sure bothers me), Nationwide, USAA if you or family member is military, AllState, Liberty Mutual, etc. There are other strong companies that only operate in a few states (like Erie for me), but you need to do this on your own, quotes from random people in a forum, even with identical vehicles and the same age as you, are useless.

 

[sea-scooby]

I use Pemco, and the rates for my X and XT are the same. I even told them about the extra mods, and the fact that I try to go to the track once or twice a year. My history and the fact that Foresters in general have extremely low claim rates makes for cheaper insurance. The high crash rating also helps keep injuries down, which are the biggest cost. Overall XTs are very rare, so the claim rates are low too. I usually see older couples driving them (bone stock).

 

[Mr Mayo]

I have 2 points I'd like to add to this discussion:

1) Your credit score has a substantial effect on the premiums you pay.

2) Even after you have a policy with a premium you are satisfied with, shop around at least once a year, regardless of how satisfied you are with your company/agent.