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04 Forester X, MT
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1,051 Posts
Discussion Starter #1
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:
 

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Administrator
2004 Forester XT Premium 4EAT
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30,106 Posts

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Registered
04 Forester X, MT
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1,051 Posts
Discussion Starter #3
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:
 

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Premium Member
'09 STI
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4,212 Posts
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.
 

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Registered
2001 Forester S, auto
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471 Posts
"How much do you pay for insurance" threads are completely useless. There are way way wayyyy too many variables.
 

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04 Forester X, MT
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1,051 Posts
Discussion Starter #9
maybe someone could link to a reputable insurance research site then?

there are a lot of variables to be sure.
 

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Registered
04 Forester X, MT
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1,051 Posts
Discussion Starter #10
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.
 

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Registered
2005 Impreza RS Wagon Auto
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3,683 Posts
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.
 

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Premium Member
'09 STI
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4,212 Posts
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.
 

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05 WRX STI
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208 Posts
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!
 

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04 Forester X, MT
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1,051 Posts
Discussion Starter #15
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.
 

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TANSTAAFL
2010 2.5X Premium AFF 4EAT
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481 Posts
My insurance company seemed most interested in one detail when I added my Forester: Turbocharged or non turbocharged?
 

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Registered
2001 Forester S, auto
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471 Posts
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.
 

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The Sub kit guy
2005 Forester X & XT VF39
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13,100 Posts
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).
 

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Registered
1999 Forester L
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76 Posts
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.
 
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