Best Subaru Forester Insurance in Sacramento

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Discount Subaru Forester insuranceIt takes a little time, but the best way to find better pricing on car insurance rates in Sacramento is to start comparing prices regularly from insurance carriers who can sell car insurance in California. Price quotes can be compared by following these guidelines.

First, try to comprehend how insurance works and the measures you can take to keep rates low. Many risk factors that drive up the price such as accidents, traffic tickets, and a not-so-good credit rating can be remedied by paying attention to minor details.

Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while agents who are independent can provide prices from multiple sources.

Third, compare the new rate quotes to the premium of your current policy to see if cheaper Forester coverage is available in Sacramento. If you find better rates and change companies, ensure there is no coverage lapse between policies.

One key aspect of rate comparisons is that you'll want to compare similar deductibles and liability limits on each quote request and and to get prices from as many auto insurance providers as possible. This helps ensure a fair rate comparison and the best rate selection.

A recent auto insurance study revealed that most consumers have stayed with the same insurance company for at least four years, and roughly 40% of drivers have never even shopped around for cheap coverage. California consumers could save nearly $470 every year just by getting comparison quotes, but they mistakenly think it's difficult to compare rates.

If you currently have a car insurance policy, you will definitely be able to cut your premiums using these methods. Choosing the best rates in Sacramento is quite easy. But California consumers benefit from understanding the way insurance companies calculate your policy premium and apply this information to your search.

Cheapest companies for Subaru Forester insurance in California

The companies in the list below are our best choices to provide free quotes in California. If you want the best auto insurance in Sacramento, CA, it's highly recommended you compare several of them to get the cheapest price.

Facts and figures for Subaru Forester insurance

The premium table shown next outlines estimates of rate quotes for Subaru Forester models. Being more informed about how insurance policy premiums are determined can help you make smart choices when buying a car insurance policy.

Subaru Forester Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $234 $416 $454 $26 $136 $1,266 $106
Forester X Premium AWD $234 $416 $454 $26 $136 $1,266 $106
Forester X Premium AWP AWD $234 $416 $454 $26 $136 $1,266 $106
Forester X Limited Edition AWD $260 $416 $454 $26 $136 $1,292 $108
Forester X Limited Edition W/Navigation AWD $260 $490 $454 $26 $136 $1,366 $114
Forester XT AWD $260 $490 $454 $26 $136 $1,366 $114
Forester XT Limited Edition AWD $260 $490 $454 $26 $136 $1,366 $114
Forester XT Limited Edition W/Navigation AWD $260 $490 $454 $26 $136 $1,366 $114
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price information does not factor in Sacramento location which can increase or decrease price quotes substantially.

Analysis of deductible levels

One common question asked by Sacramento drivers is the level to set your comp and collision deductibles. The comparisons below sum up the price difference when you select higher and lower insurance deductibles. The first data table uses a $250 deductible for physical damage and the second pricing table 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
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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
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific location which can increase or decrease auto insurance rates significantly.

We can derive from the above data that using a $250 deductible costs approximately $19 more each month or $228 for a full year averaged for all Forester models than opting for the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 13 months between claim filings, you would probably be better off if you elect the higher deductible. The illustration below shows the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $131
Average monthly premium for $500 deductibles (subtract): - $112
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important issue to know is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you file a claim. You should have enough extra savings in order to pay more to get your vehicle repaired.

Car insurance rates are higher with tickets and accidents

The chart below illustrates how traffic citations and at-fault accidents can impact Subaru Forester car insurance costs for each age group. The premiums assume a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Full coverage rates vs. liability-only

The information below illustrates the comparison of Subaru Forester auto insurance costs with full coverage compared to only the California minimum liability coverage. The prices are based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no other discounts are factored in.

When to stop buying physical damage coverage

There is no definitive guideline of when to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your Subaru Forester claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying the physical damage deductible. If you are paying over $500 a year for full coverage, then it might be time to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not advised. If you haven't paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Affordable Sacramento car insurance rates with discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that you may not even be aware of. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be specifically requested prior to receiving the credit.Car insurance discounts

  • Claim-Free Discount - Insureds with no claims or accidents get the best car insurance rates when compared with drivers with a long claim history.
  • Discounts for Government Workers - Active or former government employment may qualify for a discount when you quote Sacramento auto insurance but check with your company.
  • ABS Braking Discount - Cars that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Full Payment Discount - If you pay your bill all at once rather than spreading payments over time you could save 5% or more.
  • Save with a New Car - Buying a new car model can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
  • Passenger Safety Discount - Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
  • Onboard Data Collection - Policyholders that allow their car insurance company to monitor their driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as the data is positive.
  • Renewal Discounts - Some larger companies give discounts for buying a new policy prior to your current Forester insurance policy expiration. Ten percent is about the average savings.

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, companies don't profit that way.

The chart below shows the difference between Subaru Forester auto insurance costs with and without discounts. The price estimates are based on a female driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, homeowner, multi-car, and safe-driver discounts applied.

If you would like to choose from a list of car insurance companies who offer cheap Subaru Forester insurance quotes in Sacramento in Sacramento, click here.

How much car insurance do I need?

When choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else's so this has to be addressed.Higher deductibles save money For example, these questions may help you determine if your insurance needs would benefit from an agent's advice.

  • What should my uninsured motorist coverage limits be in California?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to get a high-risk car insurance policy?
  • Is business equipment covered while in my vehicle?
  • Am I missing any policy discounts?
  • Can I afford to pay high deductible claims out of pocket?

If you can't answer these questions but you know they apply to you then you might want to talk 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.

When should I get advice from an insurance agency?

Some people just prefer to go talk to an agent and that is a personal choice. The biggest benefit of price shopping on the web is you may find lower rates and still choose a local agent.

To find an agent, once you fill out this simple form, the quote information is immediately sent to insurance agents in Sacramento who will give you bids to get your business. You won't even need to visit any agencies due to the fact that quote results will go to you directly. You can find the lowest rates without a big time investment. If you want to get a rate quote from a specific car insurance provider, you just need to visit that company's website and give them your coverage information.

Deciding on an insurance company requires you to look at more than just a cheap price quote. Ask your prospective agent these questions:

  • Is the agency covered by Errors and Omissions coverage?
  • How are claims handled?
  • Which family members are covered?
  • Do they receive special compensation for putting your coverage with one company over another?
  • If your car is totaled, how to they determine the replacement cost?
  • Does the agent have a valid license to sell insurance in California?

How to choose the best car insurance agent in Sacramento

If you are wanting to find local Sacramento agents, you need to know there are two types of insurance agents and how they operate. Sacramento agents can either be exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Agents of this type work for only one company like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide other company's prices so you need to shop around if the rates are high. Exclusive insurance agents are trained well on their company's products which aids in selling service over price.

The following are Sacramento exclusive insurance agents who can help you get price quotes.


1035 Jefferson Blvd #5 - West Sacramento, CA 95691 - (916) 371-4730 - View Map


7273 14th Ave Ste 100 - Sacramento, CA 95820 - (916) 455-5000 - View Map


1001 26th St - Sacramento, CA 95816 - (916) 447-8560 - View Map

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Independent Agencies or Brokers

Agents of this type are not required to write business for one company so they can quote policies through many different car insurance companies enabling the ability to shop coverage around. If premiums increase, your policy is moved internally and you can keep the same agent.

When shopping rates, you absolutely need to get insurance quotes from multiple independent agents so that you can do a thorough price comparison.

The following are Sacramento independent agencies that are able to give comparison quotes.


3400 Watt Ave #204 - Sacramento, CA 95821 - (916) 783-0000 - View Map


3840 Rosin Ct #245 - Sacramento, CA 95834 - (800) 901-9636 - View Map


1353 Fulton Ave - Sacramento, CA 95825 - (916) 339-6490 - View Map

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After you get positive responses to any questions you may have as well as a affordable price, it's a good possibility that you have found an insurance agent that meets the criteria to properly insure your vehicles.

Insurance coverage basics

Knowing the specifics of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Comprehensive insurance - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, rock chips in glass, fire damage, falling objects and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers - Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Subaru Forester.

Since a lot of drivers only purchase the least amount of liability that is required (15/30/5 in California), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage pay for bills for pain medications, rehabilitation expenses, nursing services, dental work and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability auto insurance - This coverage provides protection from damages or injuries you inflict on other's property or people by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 15/30/5 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property.

Liability coverage pays for claims like legal defense fees, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should consider buying more liability than the minimum.

The next chart shows why minimum state limits may not provide you with enough coverage.

Collision - This pays for damage to your Forester caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, rolling your car, crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible on your Forester in order to get cheaper collision rates.

Car insurance companies ranked

Finding the right insurance company can be challenging considering how many choices there are in Sacramento. The ranking data displayed below may help you choose which car insurance companies to look at comparing rates from.

Top 10 Sacramento Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Cheaper insurance premiums are out there

Low-cost Subaru Forester insurance in Sacramento is attainable online in addition to local insurance agencies, so get free Sacramento auto insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who may not provide rate quotes online and usually these regional insurance providers sell through independent insurance agents.

When searching for inexpensive Sacramento auto insurance quotes, don't be tempted to reduce coverage to reduce premium. In many instances, someone dropped liability coverage limits to discover at claim time that it was a big mistake. The goal is to purchase plenty of coverage at the best cost.

Much more information about insurance in California is located below: