Finding cheaper insurance for a Ford Freestar can be a lot of work, but you can learn these tips to save time. There are both good and bad ways to buy auto insurance and we’ll show you the quickest way to quote coverages for a Ford and get the best price possible either online or from local insurance agents.
Don’t pay full price with these 5 discounts
Companies offering auto insurance don’t always publicize every available discount very clearly, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you’re not getting every credit available, you are throwing money away.
- Good Student – Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
- Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Freestar insurance.
- Driver’s Ed – Require your teen driver to complete a driver education course in school.
- Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
- Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
Drivers should understand that many deductions do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, you’re out of luck.
To see a list of insurers with discount auto insurance rates, follow this link.
Don’t I need to talk to an agent?
Some people would prefer to buy from a local agent. Professional agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing insurance prices online is you may find better rates and still choose a local agent.
After filling out this short form, your coverage information is instantly submitted to local insurance agents who will give you bids for your insurance coverage. There is no reason to even leave your home since price quotes are sent directly to your email.
Deciding on a company requires more thought than just a low price. Ask your prospective agent these questions:
- Do they make recommendations based only on price?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they specialize in personal lines coverage?
- Are they able to influence company decisions when a claim is filed?
- How often do they review policy coverages?
- Are claim adjusters local or do you have to take your car somewhere else?
Types of insurance agents
When searching for a local agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. agents can either be independent (non-captive) or captive. Both write coverage properly, but it’s worth mentioning the difference between them because it can influence your selection of an agent.
Agency Captives
Captive insurance agents can only place business with one company like American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Captive agencies are very knowledgeable on their products and sales techniques which helps them compete with independent agents. Some people will only purchase coverage from captives partially due to the brand legacy and strong financial ratings.
Independent Agents (or Brokers)
These agents do not work for one specific company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally without you having to go to a different agency.
When comparing rates, it’s a good idea to get quotes from at least one independent agent to get the best comparison. Most have the option of insuring with different regional companies which may provide better rates.
To view a complete directory of agents, click here.
Upon getting positive feedback for all questions you ask and locked in a price quote, most likely you have located an auto insurance agent that is a good match to insure your vehicles. But remember, once you purchase a policy you can cancel coverage any time you want so never feel that you’re stuck with any specific agency for any length of time.
Save $394 a year. For real?
Consumers can’t get away from ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the companies make an identical promise that you’ll save big if you change your coverage to them.
How can each company make the same claim?
Different companies are able to cherry pick for the type of customer that makes them money. For instance, a desirable insured might be between 30 and 50, has no tickets, and has a short commute. Any new insured who meets those qualifications will get the preferred rates and as a result will probably pay quite a bit less when switching companies.
Consumers who don’t qualify for this ideal profile will have to pay a higher premium which usually ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save money. That is how companies can advertise the way they do. Because of the profiling, it is so important to get quotes from several different companies. It’s just too difficult to predict which company will fit your personal profile best.
Car insurance coverage information
Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.
Liability
This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.
Liability coverage protects against things such as pain and suffering, attorney fees and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Coverage for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like funeral costs, doctor visits, rehabilitation expenses, prosthetic devices and nursing services. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible
Comprehensive coverages
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, hail damage, theft and hitting a bird. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Uninsured and underinsured coverage
Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Freestar.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Collision protection
This coverage covers damage to your Freestar caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims like rolling your car, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.
What is YOUR best insurance company?
Cheaper Ford Freestar insurance can be sourced both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
In this article, we presented many tips how you can shop for Ford Freestar insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the biggest savings come from some of the smallest insurance companies.
As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice uninsured motorist or liability limits and learned later they didn’t have enough coverage. The aim is to buy enough coverage at a price you can afford while still protecting your assets.
