Has it been a year or more since you last compared quotes for the cheapest Subaru Forester insurance in Milwaukee? Finding cheap Subaru Forester insurance in Milwaukee could be very difficult for drivers new to comparing prices online. Since there are so many insurers available, it can quickly become more work than you anticipated to find cheaper coverage rates on Subaru Forester insurance.
Unbelievable but true, most consumers have bought auto insurance from the same company for a minimum of four years, and just short of a majority have never taken the time to shop around. Many consumers in Wisconsin could cut their rates by about $370 a year, but they don’t want to spend time to compare rates and save money.
If you are insured now, you will most likely be able to shop for the lowest rates using the techniques presented in this article. Obtaining price quotes for the cheapest car insurance coverage in Milwaukee is actually quite simple. Although Wisconsin car owners can benefit from knowing how the larger insurance companies charge you for coverage and apply this information to your search.
Save a ton on Subaru Forester insurance in Milwaukee with these discounts
Companies don’t always advertise all their discounts very clearly, so we break down some of the best known and the harder-to-find savings tricks you should be using when you buy Milwaukee car insurance online.
- Telematics Devices – Policyholders that allow driving data collection to spy on driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.
- Responsible Driver Discounts – Accident-free drivers can save up to 40% or more on their Milwaukee car insurance quote as compared to drivers with claims.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
- Save with More Vehicles Insured – Buying coverage for multiple cars on the same insurance policy can reduce rates for all insured vehicles.
- Senior Discount – Older drivers may be able to get a discount up to 10%.
- ABS and Traction Control Discounts – Cars with anti-lock braking systems are safer to drive and the ABS can save up to 10%.
As a sidenote, some credits don’t apply to the entire cost. A few only apply to individual premiums such as medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride.
If you would like to view insurers with discount insurance rates in Wisconsin, follow this link.
When looking for cheaper Milwaukee car insurance quotes, there are a couple ways of comparing price quotes from different Milwaukee insurance companies. The best method to find competitive Subaru Forester insurance rates consists of obtaining rate quotes online. It’s important to know that comparing a large number of companies gives you a better chance of getting a lower rate.
The car insurance companies shown below have been selected to offer price comparisons in Wisconsin. If the list has multiple companies, we suggest you get rate quotes from several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$158||$236||$200||$12||$60||$666||$56|
|Forester X Premium AWD||$192||$338||$254||$16||$76||$876||$73|
|Forester X Premium AWP AWD||$106||$184||$220||$14||$66||$590||$49|
|Forester X Limited Edition AWD||$214||$350||$220||$14||$66||$864||$72|
|Forester X Limited Edition W/Navigation AWD||$242||$412||$200||$12||$60||$926||$77|
|Forester XT AWD||$138||$222||$196||$12||$58||$626||$52|
|Forester XT Limited Edition AWD||$214||$398||$254||$16||$76||$958||$80|
|Forester XT Limited Edition W/Navigation AWD||$174||$322||$254||$16||$76||$842||$70|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in vehicle garaging location which can affect auto insurance rates noticeably.
Subaru Forester insurance costs by gender and age in Milwaukee
The chart below compares Subaru Forester auto insurance costs for male and female drivers. The premiums assume no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in.
Physical damage deductibles
The diagram below demonstrates how deductible levels and can affect Subaru Forester annual premium costs for different age groups. The data assumes a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Smart Choices Result in Lower Insurance Prices
Multiple criteria are used in the calculation when premium rates are determined. Some of the criteria are obvious such as your driving record, but others are not as apparent such as whether you are married or your vehicle rating.
Your age impacts your costs – Inexperience drivers have been known to be less responsible when driving therefore auto insurance rates are much higher. Older drivers are viewed as being more responsible, tend to file fewer claims, and receive fewer citations.
Is your vehicle theft-ready? – Choosing a vehicle with an alarm system can save you a little every year. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your vehicle from being stolen.
Know your vehicle’s IIHS safety rating – Vehicles that have high safety ratings cost less to insure. Safe vehicles reduce the chance of injuries and better occupant protection means your insurance company pays less and cheaper rates on your policy.
Vocation and insurance rates – Jobs such as judges, airline pilots, and emergency personnel tend to have higher premiums than the average policyholder due to intense work situations and lots of time spent at work. On the other hand, occupations such as scientists, athletes and retirees get better rates.
Insurance losses for a Subaru Forester – Companies analyze historical claim data to determine a rate that will be profitable for them. Vehicles that statistically have a trend towards higher claims will cost more to insure. The next table shows the historical insurance loss data for Subaru Forester vehicles.
For each type of coverage, the statistical loss for all vehicles compiled together is considered to be 100. Numbers below 100 imply a favorable loss record, while numbers above 100 point to more losses or an increased chance of larger losses than average.
Auto Insurance Loss Data for Subaru Forester Models
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Subaru Forester 4dr 4WD||71||80||108||72||76||68|
|Subaru Forester 4dr 4WD with Eyesight||74||66||118||77||78||53|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
It’s not one size fits all
When selecting adequate coverage for your personal vehicles, there is no “perfect” insurance plan. You are unique.
These are some specific questions might help in determining if you might need professional guidance.
- When can my company non-renew my policy?
- Can I still get insurance after a DUI?
- Am I covered if I break a side mirror?
- Do I have coverage for damage caused while driving under the influence?
- Why do I only qualify for high-risk insurance?
- What is GAP insurance?
- Should I buy only the required Wisconsin minimum liability coverage?
- When should I remove comp and collision on my Subaru Forester?
- How high should deductibles be on a Subaru Forester?
- Is other people’s property covered if stolen from my vehicle?
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Getting quotes from local Milwaukee auto insurance agents
Some people just prefer to buy from a licensed agent and that is just fine! One of the great benefits of getting online price quotes is you can get cheaper rates and still choose a local agent. And buying from small agencies is definitely important in Milwaukee.
After filling out this short form, your insurance coverage information is sent to companies in Milwaukee that give free quotes to get your business. You won’t need to contact any agents as quotes are delivered straight to your inbox. You can find better rates and a licensed agent to talk to. In the event you want to compare rates for a specific company, feel free to go to their quote page and fill out the quote form the provide.
If you want to buy auto insurance from a reliable agent, you must know there are a couple different types of agents and how they work. Milwaukee agents can either be independent or exclusive.
Independent Agents (or Brokers)
Independent agents are not limited to a single company so they can quote policies with lots of companies and find the cheapest auto insurance rates. If you are not satisfied with one company, they can switch companies in-house and you don’t have to find a new agent. When comparing rate quotes, it’s recommended you include price quotes from at least one independent agent in order to compare the most rates. Most can insure with companies that do not advertise much which may provide better rates.
Shown below is a small list of independent insurance agents in Milwaukee who may be able to give you competitive price quotes.
- Reilly Insurance Services
3075 S Howell Ave – Milwaukee, WI 53207 – (414) 482-4461 – View Map
- Dale G Latus Insurance
5232 W Oklahoma Ave # 215 – Milwaukee, WI 53219 – (414) 352-1118 – View Map
- Kirchen Insurance
2255 W Good Hope Rd – Milwaukee, WI 53209 – (414) 352-5750 – View Map
Exclusive Auto Insurance Agents
Exclusive agencies can only provide one company’s prices such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot compare other company’s rates so they have no alternatives for high prices. These agents are trained well in insurance sales which helps them compete with independent agents. Some insured continue to purchase coverage from exclusives mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
Below is a short list of exclusive insurance agencies in Milwaukee that are able to give price quote information.
- Allstate Insurance: Mark Stanley
3525 S 68th St – Milwaukee, WI 53220 – (414) 321-3700 – View Map
- Allstate Insurance: Andrew J. McCabe
4010 N Oakland Ave – Milwaukee, WI 53211 – (414) 961-1166 – View Map
- Allstate Insurance: Dave Kelley
5913 W Howard Ave – Milwaukee, WI 53220 – (414) 988-5271 – View Map
Choosing an insurance agent should include more criteria than just the price. Below are some questions you should ask.
- Will the agent or a CSR service your policy?
- Is the agent and/or agency licensed to do business in Wisconsin?
- Do they specialize in personal lines auto insurance in Milwaukee?
- Does the company allow you to choose your own collision repair facility?
- Is the coverage adequate for your vehicle?
- Will the company cover a rental car if your car is getting fixed?
Once you have received reasonable responses to your questions and an acceptable price quote, you’ve probably found an insurance agency that is reputable and can provide auto insurance coverage. But remember, consumers can cancel a policy any time you want so never feel you are locked into a specific company for any length of time.
It may be expensive, but it’s not optional
Despite the high cost of buying insurance for a Subaru Forester in Milwaukee, car insurance serves a purpose in several ways.
First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to drive the car legally. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your Forester, more than likely the lender will have a requirement that you carry insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may insure your Subaru for a lot more money and force you to pay the higher price.
Third, car insurance protects your vehicle and your assets. It also can pay for medical transport and hospital expenses incurred in an accident. As part of your policy, liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If you have damage to your Subaru as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. Despite what companies tell you, the average driver is currently overpaying as much as $810 a year so you should quote and compare rates at every policy renewal to save money.
The best insurance company isn’t always the cheapest
Affordable Subaru Forester insurance in Milwaukee can be found both online and from local insurance agents, so you need to shop Milwaukee car insurance with both in order to have the best price selection to choose from. Some insurance providers do not provide rates over the internet and usually these small insurance companies provide coverage only through independent insurance agents.
People leave their current company for many reasons like delays in paying claims, high rates after DUI convictions, policy cancellation or even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.
While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. In many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that it was a big mistake. The aim is to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.