Finding cheaper car insurance for a Subaru Forester in Wisconsin doesn’t take a lot of effort, but it hinges on a complicated formula that considers factors such as the mileage of your daily commute, your credit status, and physical damage deductibles. Drivers in Wisconsin will pay around $641 per year to insure their Forester, but that is an estimation calculated based on a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
There’s a good chance you are not 50 and maybe not even a male, married instead of single, and maybe you want higher deductibles. Everone’s needs are different, and this illustrates why the only way to find the cheapest coverage for your Subaru is to do the rate comparisons yourself.
Vehicle trim level impacts the yearly cost, so the cost to insure a Forester X AWD model will cost $62 less than the price to insure the more well-appointed Forester XT Limited Edition W/Navigation AWD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$140||$248||$220||$14||$66||$688||$57|
|Forester X Premium AWD||$140||$248||$220||$14||$66||$688||$57|
|Forester X Premium AWP AWD||$140||$248||$220||$14||$66||$688||$57|
|Forester X Limited Edition AWD||$156||$248||$220||$14||$66||$704||$59|
|Forester X Limited Edition W/Navigation AWD||$156||$294||$220||$14||$66||$750||$63|
|Forester XT AWD||$156||$294||$220||$14||$66||$750||$63|
|Forester XT Limited Edition AWD||$156||$294||$220||$14||$66||$750||$63|
|Forester XT Limited Edition W/Navigation AWD||$156||$294||$220||$14||$66||$750||$63|
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in specific zip code location which can affect prices noticeably.
Milwaukee auto insurance companies
Selecting the right insurance company is hard considering how many choices there are in Milwaukee. The company ratings shown below may help you pick which insurers you want to consider when trying to find the cheapest insurance for a Subaru Forester. These ratings include companies with a nationwide focus, so smaller companies that only insure vehicles in Wisconsin are not taken into consideration for the list.
Top 10 Large Car Insurance Companies in Milwaukee Ranked by Value
- AAA Insurance
- Erie Insurance
- Liberty Mutual
- State Farm
- Safeco Insurance
- 21st Century
Illustration showing the impact of accidents and violations
The easiest way to score low auto insurance rates in Wisconsin for a Forester is to drive attentively and have a clean driving record. The example below illustrates how violations and accident claims can raise car insurance rates for each different age group. The data assumes a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
In the chart above, the average cost of auto insurance in Milwaukee per year with a clean driving record and no accidents is $889. Get written up for one speeding ticket and the average cost swells to $1,033, an increase of $144 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Subaru Forester goes up to an average of $1,438. That’s an increase of $549, or $46 per month, just for being a little careless behind the wheel!
The illustration below illustrates how your choice of deductibles can influence premium costs when searching for cheap insurance for a Subaru Forester. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could pocket $256 a year by increasing from a $100 deductible to a $500 deductible, or save $386 by changing to a $1,000 deductible. Young drivers, like the age 20 example, can cut up to $766 or more by using a higher deductible.
When using a larger deductible, it will be important to have plenty of discretionary funds to satisfy the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Are you paying too much for car insurance?
Milwaukee auto insurance rates are influenced by many factors that control the price you pay for coverage. Improving your credit score, moving to a new city, or getting a few speeding tickets can produce rate changes that may make certain companies cheaper than competitors.
Not only may things change on your end, but insurers amend premium rates multiple times each year in order to maintain liquidity for claims. Heavier than normal losses may result in higher rates, while a lower level of claims can produce lower-cost Forester insurance rates.
For instance, the bar chart below shows the company with the cheapest car insurance in Milwaukee, WI for a 35-year-old female driver with no violations or accidents, and a decent credit rating. If we estimate prices based on her current risk profile, USAA may offer the most affordable car insurance rates in Milwaukee at $858 per year. This is $303 less than the average policy premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance are the remaining cheapest Milwaukee, WI auto insurance companies.
The next chart shows rates after we give the driver from the first example a claim surcharge, bad credit, and a few traffic violations. Since every car insurance company has their own guidelines to determining premium rates, getting updated rate quotes could now result in a completely different list of the cheapest car insurance companies in Milwaukee as shown below.
Western National now has the best insurance rate in Milwaukee, WI with Integrity Mutual, Nationwide, Travelers, and West Bend Mutual also being competitive. This example proves why it is critical to compare rates when trying to find the lowest auto insurance quotes for a Subaru Forester. Car insurance prices are determined by many different factors and change frequently, so the best price two years ago may now cost much more than other companies.
How to find the cheapest auto insurance for a Subaru Forester
The list below details many money-saving suggestions that can help drivers get low-cost auto insurance.
- Better credit scores save money
- At-fault accidents can raise rates significantly
- Increase deductibles to save money
- Safe vehicles cost less to insure
- Ensure your driving record is clean
- Shop around for lower rates once a year
That last tip is very critical, as was pointed out in the article above. Rates can be changed at any time, so don’t be tentative to switch carriers if a more affordable price is available. Sticking with a specific company is fine, but it isn’t a good idea if that loyalty ends up costing a considerable chunk of change every month. Take a few minutes and shop around and find cheaper auto insurance for a Subaru Forester in Milwaukee.
The Milwaukee, WI, insurance agents below can help you make a decision which coverages and limits you need, since some drivers aren’t sure which coverage they need and prefer to get some help when shopping for the best coverage for a Subaru Forester. It’s not always simple to find the cheapest rates, so insurance agents licensed in the state of Wisconsin can bring satisfaction knowing your policy gives you adequate protection in the event of a claim.
To locate a Milwaukee auto insurance agent nearest to you, click the button following the list or click here to compare price quotes.
Reilly Insurance Services
3075 S Howell Ave – Milwaukee, WI 53207 – (414) 482-4461
Robertson Ryan and Associates, Inc
330 E Kilbourn Ave #650 – Milwaukee, WI 53202 – (414) 271-3575
American Family Insurance – Baiio Marchan
3647 S Chase Ave – Milwaukee, WI 53207 – (414) 744-2192