Compare 2007 Ford Freestar Car Insurance Rates

Want better auto insurance rates? Drivers have options when trying to find the lowest priced Ford Freestar insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to compare rates. There is a right way and a wrong way to buy auto insurance and you need to know the best way to get price quotes on a Ford and get the best price possible.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Consumers only need to know the proper way to get comparison rates online.

How to save on 2007 Ford Freestar insurance

Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit possible, you are throwing money away.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company could earn a price break for each car.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Early Switch Discount – A few companies offer discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Freestar insurance.
  • No Claims – Good drivers with no accidents pay less compared to frequent claim filers.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Driver Safety – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.

Drivers should understand that most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as comp or med pay. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies that possibly offer these money-saving discounts include:

Check with each insurance company how you can save money. All car insurance discounts may not be available everywhere.

Free Quotes for Insurance

Reducing your 2007 Ford Freestar insurance rates can be quick and easy. The only requirement is to take time comparing rate quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating separate quote forms for each company you want a rate for. A single form will get you price quotes from many national carriers. This is perfect if you don’t have a lot of time.

A harder way to get quotes online is spending the time to visit each individual company website and complete a new quote form. For example, let’s say you want comparison quotes from State Farm, Farmers and GMAC. You would have to go to every website to input your insurance information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

The hardest method of getting rate comparisons is to spend your day driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you have a need for the personal advice of a local agent. It is possible to get the lowest quotes online and get advice from an agent in your area and we’ll cover that in a bit.

It’s up to you which method you use, but ensure you’re using exactly the same deductibles and coverage limits for each price quote. If you are comparing different limits and deductibles on each one you can’t possibly decipher which rate is best.

These factors can influence Ford Freestar insurance rates

It’s important that you understand some of the elements that go into determining car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

Listed below are some of the items that factor into rates.

  • Teen drivers pay high rates – Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Young drivers are known to get distracted easily when behind the wheel therefore car insurance rates are much higher.
  • Protect your assets with liability insurance – Liability insurance will protect you if a jury decides you are liable for personal injury or accident damage. It will provide legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • Equipment add-ons that lower car insurance rates – Driving a car with an alarm system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • High deductibles save money – The deductibles define the amount you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and burglary. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on Freestar insurance.

Tailor your coverage to you

When choosing the best insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

These are some specific questions might point out if you would benefit from professional advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Do all my vehicles need collision coverage?
  • Which companies will insure high-risk drivers?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Is a fancy paint job covered?
  • Does insurance cover damages from a DUI accident?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Auto insurance 101

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverages – Collision coverage will pay to fix damage to your Freestar resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, damaging your car on a curb, crashing into a ditch, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like EMT expenses, doctor visits and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability coverage – Liability coverage will cover damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like emergency aid, court costs, loss of income, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

Budget-conscious 2007 Ford Freestar insurance is attainable from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

You just learned quite a bit of information on how to lower your insurance rates. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced insurance coverage comes from some of the smallest insurance companies.

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