2004 Ford Freestar Car Insurance Rates – 5 Tips for Best Quotes

Searching for better auto insurance rates for your Ford Freestar? Having to pay for expensive auto insurance can stress out your savings and possibly require you to analyze your spending habits. Comparing cost estimates is recommended to lower your monthly bill.

Companies like State Farm, Progressive and Geico all promote huge savings with TV and radio ads and it is difficult to separate fact from fiction and take the time to shop coverage around.

Compare quotes for insurance

Comparing insurance rates can be challenging if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and every company returns a competitive quote determined by their information. This saves time by eliminating form submissions to each individual insurance company.

To find out how much you’re overpaying now click here to start a free quote.

The one downside to doing it this way is you can’t choose the insurers to get pricing from. If you wish to select from a list of companies to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just compare equivalent coverage limits and deductibles with every price quote. If the quotes have higher or lower deductibles you will not be able to get a fair rate comparison. Just slight variations in insurance coverages or limits can result in a big premium difference. And when comparison shopping, having more price comparisons helps locate more affordable insurance.

More affordable rates with these five insurance discounts

Not many people think insurance is cheap, but you might be missing out on some discounts that can dramatically reduce your bill. Some trigger automatically at the time of quoting, but a few must be inquired about prior to getting the savings. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more.
• Safe Driver Discounts – Accident-free drivers may save up to 50% more on Freestar insurance than drivers with accidents.
• Multi-line Discount – Some insurance companies give a discount if you purchase life insurance from them.
• Discount for Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
• Senior Citizens – If you qualify as a senior citizen, you may receive a small decrease in premiums on Freestar insurance.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

Companies that possibly offer most of the discounts above include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

If you want cheap insurance coverage quotes, ask all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in every state. To find insurance companies that offer multiple discounts, click this link.

Insurance can get complicated

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different so this has to be addressed. These are some specific questions may help highlight if your situation might need an agent’s assistance.

• Are split liability limits better than a combined single limit?
• Do I have coverage for damage caused while driving under the influence?
• Can I afford low physical damage deductibles?
• Do I need PIP (personal injury protection) coverage in my state?
• Is other people’s property covered if stolen from my vehicle?
• What is high-risk coverage and where do I buy it?
• Am I covered if I wreck a rental car?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Car insurance myths debunked

Well-known car insurance companies like State Farm, Allstate and Geico seem to constantly run ads on TV and radio. They all advertise the message about saving some big amount just by moving your coverage to them. How can each company give you a better price?

Insurance companies quote the lowest rates for the type of customer that will generate a profit. An example of this type of risk profile may need to be between the ages of 30 and 50, owns a home, and the vehicle is rated for pleasure use. A propective insured that fits those parameters is entitled to the best price and will save when they switch companies.

Drivers who do not meet those standards will have to pay higher premiums with the end result being the customer buying from someone else. The trick is to say “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can truthfully make those statements. Because of these techniques, you really need to get insurance coverage quotes as often as possible. It’s impossible to know which company will give you the biggest savings.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as doctor visits, nursing services, hospital visits, pain medications and X-ray expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft, falling objects and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Freestar.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like repair bills for other people’s vehicles, loss of income, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage

Collision coverage covers damage to your Freestar resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Get your money’s worth

In this article, we presented some good ideas how to shop for 2004 Ford Freestar insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheaper insurance coverage. Drivers may discover the lowest rates are with a lesser-known regional company. Regional companies can often provide lower auto insurance rates in certain areas than their larger competitors like Allstate and Progressive.

Lower-priced car insurance can be found on the web and from local agencies, so you should compare both to have the best chance of lowering rates. Some car insurance companies do not provide the ability to get a quote online and usually these smaller providers provide coverage only through independent insurance agents.

More detailed car insurance information can be found at these sites:

• Understanding your Policy (NAIC.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)