2007 Ford Freestar Car Insurance Quotes – 6 Ways to Save

Trying to find cheaper auto insurance rates for your Ford Freestar? If you are a novice to online auto insurance shopping, it’s easy to get overwhelmed by the large number of online companies competing for business.

Finding affordable coverage is not rocket science. Just about every vehicle owner who is shopping for insurance coverage will most likely be able to find better rates. But car owners should learn how companies sell online.

How to Get Cheap Auto Insurance

When shopping for auto insurance there are multiple ways to compare rate quotes from local auto insurance companies. One of the best ways to find the cheapest 2007 Ford Freestar insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

  • The most efficient way consumers can analyze rates is a comparison rater form (click to open form in new window). This method keeps you from doing a different quote for every auto insurance company. One simple form will get you rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.
  • A different way to compare rate quotes requires you to visit the website of each company to complete a price quote. For example, we’ll assume you want to compare Farmers, Safeco and Liberty Mutual. To get each rate you have to visit each site to enter your coverage information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make darn sure you compare apples-to-apples information for every quote you compare. If you compare different liability limits it’s impossible to truly determine the lowest rate. Quoting even small variations in limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that comparing more company’s prices will increase your chances of finding lower pricing.

Cut your premium with these six discounts

Car insurance companies don’t list all their discounts very clearly, so here is a list some of the best known and the harder-to-find savings tricks you should be using.

  • Student in College – Kids in college living away from home attending college and do not have a car may be able to be covered for less.
  • 55 and Retired – Older drivers can possibly qualify for better auto insurance rates for Freestar insurance.
  • Claim Free – Good drivers with no accidents pay much less when compared with frequent claim filers.
  • Student Driver Training – Have your child complete a driver education course if offered at their school.
  • Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for Freestar insurance with a few auto insurance companies.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings might not apply in every state.

What is the best insurance coverage?

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For example, these questions can help discover if your situation might need professional guidance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Does coverage extend to Mexico or Canada?
  • Am I missing any policy discounts?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is the ISO rating for a 2007 Ford Freestar?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Ads can be misleading

Companies like Progressive, Allstate and Geico consistently run television and radio advertisements. All the ads make the same claim that you’ll save big if you change your coverage to them. How can each company claim to save you money?

All companies can use profiling for the type of driver that is profitable for them. A good example of a profitable customer could possibly be between the ages of 40 and 55, has no driving citations, and has a short commute. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who don’t meet the requirements must pay higher premiums which usually ends up with business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much money. This is how companies can truthfully claim big savings. This illustrates why drivers must compare as many rates as you can. It is impossible to predict which insurance company will fit your personal profile best.

Auto insurance coverage information

Knowing the specifics of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto insurance – This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, hitting a bird, hitting a deer and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage – Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like legal defense fees, repair costs for stationary objects, court costs and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage – Collision coverage covers damage to your Freestar resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, backing into a parked car, colliding with a tree, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for expenses such as prosthetic devices, rehabilitation expenses, pain medications and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Power to the consumer

Consumers change insurance companies for a variety of reasons including not issuing a premium refund, poor customer service, delays in responding to claim requests and even questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

Discount 2007 Ford Freestar insurance can be purchased both online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. In many cases, drivers have reduced liability coverage limits only to find out they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Other resources