2007 Ford Freestyle Car Insurance Cost – 9 Tips for Cheaper Prices

Using the web to shop for car insurance can seem like an uphill battle if you are a beginner to online quotes. Don’t let that stop you because finding affordable coverage online is easier than you think.

How to Compare Auto Insurance Costs

There are several ways of comparing rate quotes from local auto insurance companies. The recommended way to find the cheapest 2007 Ford Freestyle insurance rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

  • The first (and easiest) way to get quotes would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing multiple quote forms for every auto insurance company. One form submission gets rate comparisons from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  • A harder way to find lower rates requires a trip to the website for each individual company and complete a new quote form. For examples sake, we’ll pretend you want comparison quotes from USAA, Geico and State Farm. You would have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  • The hardest way to compare rates is to drive around to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance of a licensed agent. You can, however, compare the best prices online and get advice from an agent in your area and we’ll cover that in a bit.

Whichever method you choose, ensure you’re using the exact same coverages and limits with every price quote. If each company quotes different liability limits it will be very difficult to determine the best price for your Ford Freestyle. Slightly different coverages may cause a big price difference. And when comparison shopping, comparing more company’s prices provides better odds of finding better pricing.

Lots of discounts mean lots of savings

Companies that sell car insurance do not list all their discounts very clearly, so we researched some of the more common and also the lesser-known ways to save on auto insurance.

  • Own a Home – Owning a home can save you money because owning a home requires personal responsibility.
  • Auto/Home Discount – When you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Safety Course Discount – Taking part in a course in driver safety could cut 5% off your bill if you qualify.
  • Auto/Life Discount – Some companies give a break if you buy a life insurance policy as well.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Low Mileage – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.

A little note about advertised discounts, most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of companies offering auto insurance discounts, click this link.

Situations that might require an agent

When buying the best insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions may help highlight if your situation might need professional guidance.

  • Does my policy cover me when driving someone else’s vehicle?
  • How much liability do I need to cover my assets?
  • Is a blown tire covered by insurance?
  • Is my nanny covered when driving my vehicle?
  • Why do I need rental car insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your policy

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply 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 a broken windshield. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2007 Ford Freestyle.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

Liability insurance provides protection from damage that occurs to other’s property or people. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like medical expenses, structural damage, bail bonds and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage pay for expenses like funeral costs, nursing services and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Affordable insurance is out there

Cheap 2007 Ford Freestyle insurance can be purchased from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not provide online price quotes and these regional insurance providers work with independent agents.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. Too many times, someone dropped full coverage to discover at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

In this article, we presented a lot of information how to save on insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the best prices are with a small local company.

Even more information can be read at these sites: