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Ford Freestar Insurance Rates

There are many options when trying to insure your Ford vehicle. You can get prices from your neighborhood insurance agent or go online to compare insurance costs of many different companies. Buying auto insurance from online companies can be fast and easy and there is a good chance you will probably save money.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies competing for your business. Finding a lower price on Freestar insurance is actually quite simple. You just have to take a little time comparing rates provided by online insurance companies. This can be accomplished by getting a quick quote here.

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Insurance rates for a Ford Freestar can vary widely depending on several factors. Some of these factors include:

  • Higher performance Freestar vehicles cost more
  • Any accidents you may have
  • Multiple policies can save money
  • Use of your vehicle
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you own your home

One last important factor that helps determine the rate you pay on your Ford is the year of manufacture. Models that are new cost more so the cost to replace them can inflate annual premiums. Conversely, new Ford models may have options such as lane departure warning system, dual-stage airbags, and sideview assist mirrors which can help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your Freestar below.

Liability coverage

This coverage provides protection from damage that occurs to other people or property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Freestar collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available and may carry a deductible.

How Much are Ford Freestar Insurance Rates?