How to Get the Absolute Lowest Rates When Insurance Shopping for a Ford Freestar

Are you regretting buying an underperforming, overpriced car insurance policy? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out. Companies like GEICO and Progressive all promote huge savings with catchy ads and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

Consumers need to compare prices quite often because rates are variable and change quite frequently. Despite the fact that you may have had the best premium rates for Freestar insurance two years ago other companies may now be cheaper. Ignore everything you know about car insurance because we’re going to show you one of the quickest ways to save on car insurance.

If you have a current car insurance policy or need new coverage, you can learn to cut your premiums while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to know the best way to buy car insurance over the internet.

How do Car Insurance Companies Determine Ford Freestar Insurance Premiums?

Multiple criteria are taken into consideration when quoting car insurance. Some of the criteria are obvious like an MVR report, but others are less apparent like where you live and annual miles driven. The best way to find cheaper car insurance is to take a look at the factors that come into play when calculating your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to better car insurance rates.

Youthful drivers pay more – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.Teenage drivers tend to be inattentive when behind the wheel and because of this, their car insurance rates are much higher.
Accidents are costly – Whether or not you get tickets influences premium rates substantially. Drivers who don’t get tickets pay less for auto insurance than their less careful counterparts. Just one citation can bump up the cost by as much as thirty percent. Drivers who have severe tickets such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
A good credit score can save money – Having a bad credit score is a big factor in determining premium rates. Drivers with high credit ratings tend to be less risk to insure than drivers who have lower credit scores. So if your credit score could use some work, you may save money insuring your Ford Freestar by taking the time to improve your credit score.
Car insurance liability limits – Your policy’s liability coverage will protect you if you are found to be at fault for causing personal injury or damage in an accident. It will provide you with a defense in court up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.
Raising coverage deductibles lowers costs – Insurance for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Ford. Some coverage claims are a windshield shattered by a rock, collision with an animal, and having your car stolen. The deductibles define how much you are willing to pay before your car insurance pays a claim. The more expense you pay before a claim is paid (deductible), the bigger discount you will receive for Freestar insurance.
Better premiums on safer vehicles – Vehicles with good safety scores tend to have lower insurance rates. Safer cars protect occupants better and lower rates of occupant injuries translates directly to fewer claims and thus lower rates.
Do you really need the extra policy coverages? – Policies have additional coverages that may not really be needed if you aren’t careful. Insurance for coverage for rental cars, death and dismemberment, and extra life insurance coverage may be costing you every month. These may sound like a good investment when discussing your needs, but if you have no use for them remove them from your policy.

There are several ways to compare car insurance prices but some are easier and takes less work. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get the quickest rates.

Most of the best insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and every company can provide price quotes based on the submitted data. This prevents consumers from doing quote requests for every car insurance company.

To compare pricing click here to start a free quote.

The only drawback to using this type of form is you are unable to specify the insurers to get pricing from. If you wish to select specific providers to compare prices, we have a listing of car insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure to compare apples-to-apples coverage data for each quote you get. If you enter mixed coverages you will not be able to make a fair rate comparison.

Car insurance myths debunked

Drivers can’t escape the ads that claim the cheapest auto insurance rates by Allstate, GEICO and Progressive. All the companies say the same thing about how much you will save if you move your car insurance policy to them.

How is it plausible that every one can give you a lower rate? It’s all in how they say it.

Car insurance companies look for specific characteristics for the type of driver that earns them a profit. For example, this type of driver might be described as a female over age 40, insures multiple vehicles, and has excellent credit. Any driver who meets those qualifications will get very good auto insurance rates and will also save if they switch. car insurance quote

Insureds who do not fit these standards may be forced to pay higher rates which translates to the customer not buying. If you listen to the ad wording, they say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why companies can truthfully lure you into getting a quote.

This really drives home the point why drivers should quotes as often as possible. Because you never know the company that will fit you best based on your risk profile.

More discounts mean lower premiums

Companies that sell car insurance do not advertise every discount they offer in an easy-to-find place, so the next list breaks down a few of the more common and also the lesser-known credits that may apply to you. If you aren’t receiving every discount you deserve, you could be getting lower rates.

Theft Deterent – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks on the same car insurance policy qualifies for this discount.
Own a Home – Just owning your own home can help you save on car insurance because owning a home demonstrates responsibility.
Multiple Policy Discount – If you combine your homeowners and auto policies with the same insurance company you could earn a discount of nearly 15% which can help you find .
Switch and Save Discount – Some companies reward drivers for switching policies prior to your current policy expiring. You may see this discount when you get .
Safety Restraint Discount – Drivers who require all occupants to wear their seat belts can save up to 15% off PIP or medical payments premium.
Safety Course Discount – Participating in a course teaching safe driver skills is a good idea and can lower rates and also improve your driving technique.
Active Service Discounts – Being on active duty in the military may lower your rates slightly.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, that’s just not realistic.

Popular car insurance companies and a summarized list of policyholder discounts are:

21st Century has savings for good student, air bags, student driver, homeowners, and driver training.
State Farm discounts include multiple autos, good driver, multiple policy, driver’s education, and anti-theft.
AAA may have discounts that include good driver, pay-in-full, multi-car, good student, multi-policy, anti-theft, and education and occupation.
Liberty Mutual has discounts for new vehicle discount, new graduate, safety features, teen driver discount, preferred payment discount, and multi-policy.
Progressive policyholders can earn discounts including homeowner, continuous coverage, good student, multi-vehicle, and online signing.

When quoting, ask every prospective company the best way to save money. Savings may not be offered everywhere. If you would like to see a list of car insurance companies with the best discounts, follow this link.

Compare prices but work with a neighborhood auto insurance agent

A small number of people would prefer to talk to an insurance agent and that is recommended in a lot of cases Experienced insurance agents are highly skilled in risk management and help submit paperwork. The biggest benefit of comparing insurance prices online is that you can find cheap car insurance rates but still work with a licensed agent. Buying from local insurance agencies is especially important in small towns and cities.

After completing this short form, your coverage information is emailed to local insurance agents who will gladly provide quotes for your car insurance coverage. There is no need to contact any agents because prices are sent immediately to your email address. If you have a need to compare rates from one company in particular, you can always search and find their rate quote page and give them your coverage information.

When finding a reliable insurance agency, there are a couple of types of agencies that you can select. Agents can be described as either independent agents or captive agents depending on their employer. Both sell car insurance policies, but it is a good idea to know the differences since it could factor into which agent you choose.

Independent Insurance Agents

Independent agencies can quote rates with many companies so they can quote policies with lots of companies and find the cheapest rate. If they find a lower price, the agent simply finds a different carrier which is easy for the insured.

When comparing rates, you definitely need to get some free quotes from at a minimum one independent agency to ensure the widest selection of prices.

Captive Car Insurance Agents

These agents can only provide one company’s prices and examples are Allstate, Farmers Insurance, State Farm, and AAA. Captive agents are unable to shop your coverage around so they are skilled at selling on more than just price. They are well schooled on sales techniques which helps offset the inability to provide other markets.

To select from agents near you, here is a link to find an car insurance agent.

Finding the right insurance agent should include more criteria than just a cheap quote. Get answers to these questions too.

Does the company allow you to choose your own collision repair facility?
Are claims handled at the agent’s location?
Are there any discounts for paying up front?
If they are an independent agency, which companies do they recommend?
Do clients work directly with the agent or are most inquiries handled by a CSR?
Which family members are covered?

Different people need different car insurance coverages

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Every situation is different and your policy should reflect that. For instance, these questions can help discover whether or not you might need an agent’s assistance.

Do I get a pro-rated refund if I cancel my policy early?
What is high-risk coverage and where do I buy it?
When would I need rental car insurance?
Do I need added coverage for expensive stereo equipment?
Am I covered when using my vehicle for business?
Is there coverage for injuries to my pets?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

In conclusion

Cheaper Ford Freestar insurance can be found both online and with local insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not provide internet price quotes and these small, regional companies prefer to sell through independent insurance agencies.

Throughout this article, we presented a lot of information how to get a better price on Ford Freestar insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a smaller regional carrier. These companies often have lower rates on specific markets than their larger competitors like Allstate or State Farm.

When shopping online for car insurance, never buy poor coverage just to save money. There have been many situations where consumers will sacrifice full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.